Indostar Capital Finance Ltd. benchmarking: Perfomance to industry peers

Financial

	Indostar Capital Fin	Fusion Finance	Tourism Finance Corp
Operational Metrics
Banking Sector
Net Interest Margin	6.2 %	10.3 %	6.02 %
Yield On Advances	13.1 %	20.6 %	13.12 %
NBFC
Cost To Income Ratio	53.7 %	70.8 %	n/a
Cost of Borrowing	11.3 %	10.3 %	9.63 %
AUM - NBFC	7783.0 Crs	7688.0 Crs	1711.67 Crs
Capital to Risks Assets Ratio (CRAR)	33.0 %	29.52 %	62.68 %
Tier I Capital	28.46 %	20.89 %	61.28 %
Gross NPA	4.04 %	n/a	0.24 %
Net NPA	1.68 %	n/a	0.0
Financials
5 yr Average ROE	-3.36 %	-6.99 %	9.39 %
5yr average Equity Multiplier	3.12	4.63	2.54
5yr Average Asset Turnover Ratio	0.12	0.2	0.11
5yr Avg Net Profit Margin	-8.37 %	-0.35 %	34.53 %
5yr Avg Net Profit Margin	-8.37 %	-0.35 %	34.53 %
5yr CAGR Net Profit	n/a	n/a	5.08 %
5yr CAGR Sales	2.74 %	22.09 %	-1.36 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	0.89	1.87	2.83
P/E	5.03	0.0	31.6
Shareholdings
Promoter Holding	72.98 %	55.01 %	3.85 %
Share Pledged by Promoters	0.0	4.49 %	0.0
Change in Promoter Holding (3 Yrs)	-16.23 %	-13.17 %	-12.98 %
Change in Mutual Fund Holding (3 Yrs)	0.0	-1.51 %	0.0

Business

	Indostar Capital Fin	Fusion Finance	Tourism Finance Corp
Product Wise Break-Up	Product Wise Break-Up Interest Income 91.58 Fees and Commission Income 5.75 Net gain on fair value changes 2.67 0 0 Net gain/(loss) on fair value changes 0 Fees & commission income 0 Dividend income 0 Interest income 0	-	Product Wise Break-Up Net gain on fair value changes 7.83 Fee & Commission income 4.12 Fees and Commission Income 0 Net gain on fair value changes 0 0 Interest Income 84.85 Dividend income 0 Interest Income 0 0 Others 3.2
Segment Break-Up	Segment Break-Up Micro Finance 0 Financing and investment business 0 Others 100	Segment Break-Up Micro Finance 100.0 Financing and investment business 0	Segment Break-Up Micro Finance 0 Financing and investment business 100.0
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up Rest of the World 0 India 100.0	Location Wise Break-Up Rest of the World 0 India 100.0
Customer Segment	Customer Segment Corporate 99.0 Retail 1.0 Urban 0 Rural 0	Customer Segment Rural 94.0 Urban 6.0 Corporate 0 Retail 0	-
Operating Profit Break-Up	Operating Profit Break-Up Others 100	-	-
Borrowings Break-Up	Borrowings Break-Up NCD 47.0 Banking 25.0 Securitisation 14.0 CPs 11.0 Equity 0 Non-Convertible Debentures 0 Non-Banking Financial Institutions 0 Foreign-Bank 0 Private Sector Bank 0 Development financial Institutions 0 Public Sector Bank 0 Others 3.0	Borrowings Break-Up Public Sector Bank 26.0 Foreign-Bank 22.0 CPs 0 Securitisation 0 Non-Convertible Debentures 0 Non-Banking Financial Institutions 7.0 Equity 0 Private Sector Bank 34.0 NCD 0 Development financial Institutions 7.0 Banking 0 Others 4.0	-
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Others 100	-	-
AUM Break-Up - NBFC	AUM Break-Up - NBFC Commercial Vehicle Loans 93.0 Vehicle Finance 0 Housing Finance 0 Small Medium Enterprise (SME) Finance 0 Corporate Lending 0 Others 7.0	-	-

Indostar Capital Finance Ltd.

Indostar Capital Finance Ltd.

Financial

Business

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