Indostar Capital Finance Ltd. benchmarking: Performance to industry peers

Financial

	Indostar Capital Fin	Tourism Finance Corp	Paisalo Digital
Operational Metrics
Banks
Net Interest Margin	8.6 %	6.43 %	6.83 %
Yield On Advances	17.2 %	12.7 %	n/a
NBFC
Cost To Income Ratio	53.7 %	n/a	n/a
Cost of Borrowing	10.3 %	9.65 %	n/a
AUM - NBFC	7692.0 Crs	2188.87 Crs	6100.9 Crs
Capital to Risks Assets Ratio (CRAR)	41.4 %	55.53 %	35.8 %
Tier I Capital	28.46 %	54.37 %	28.9 %
Gross NPA	4.06 %	0.37 %	0.76 %
Net NPA	1.76 %	0.0	0.61 %
Financials
5 yr Average ROE	2.83 %	9.39 %	9.8 %
5yr average Equity Multiplier	3.12	2.54	3.01
5yr Average Asset Turnover Ratio	0.12	0.11	0.15
5yr Avg Net Profit Margin	-8.37 %	34.53 %	21.97 %
5yr Avg Net Profit Margin	-8.37 %	34.53 %	21.97 %
5yr CAGR Net Profit	n/a	5.08 %	28.12 %
5yr CAGR Sales	2.74 %	-1.36 %	17.38 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	0.99	3.49	2.5
P/E	26.56	27.51	18.91
Shareholdings
Promoter Holding	70.38 %	3.85 %	41.75 %
Share Pledged by Promoters	0.0	0.0	21.73 %
Change in Promoter Holding (3 Yrs)	-18.83 %	-14.11 %	-4.17 %
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	0.0

Business

	Indostar Capital Fin	Tourism Finance Corp	Paisalo Digital
Product Wise Break-Up	Product Wise Break-Up Interest Income 90.96 Fees and Commission Income 7.24 Net gain on fair value changes 1.8 0 0 Net gain/(loss) on fair value changes 0 Fees & commission income 0 Dividend income 0 Interest income 0 Financing activities (NBFC) 0	Product Wise Break-Up Fees and Commission Income 0 Dividend income 0 Fee & Commission income 9.49 Net gain on fair value changes 5.89 Financing activities (NBFC) 0 Interest Income 0 0 0 Net gain on fair value changes 0 Interest Income 84.61 Others 0.01	Product Wise Break-Up Fees and Commission Income 0 Dividend income 0 Fees & commission income 0 Net gain/(loss) on fair value changes 0 NBFC 100.0 Interest Income 0 0 0 Net gain on fair value changes 0 Interest income 0
Segment Break-Up	Segment Break-Up Financing and investment business 0 Others 100	Segment Break-Up 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 India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0
Customer Segment	Customer Segment Corporate 99.0 Retail 1.0	-	-
Operating Profit Break-Up	Operating Profit Break-Up Others 100	-	-
Borrowings Break-Up	Borrowings Break-Up NCD 51.0 CPs 29.0 Securitisation 11.0 Banks 0 Equity 0 Loans repayable on demand 0 Loans from related parties 0 Term loans 0 Others 9.0	-	Borrowings Break-Up Banks 0 CPs 0 Securitisation 0 Loans repayable on demand from banks 18.32 NCD 0 Equity 0 Loans from related parties 0 Loan From Banks 81.68
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Others 100	-	-
AUM Break-Up - NBFC	AUM Break-Up - NBFC Commercial Vehicle Loans 93.02 Vehicle Finance 0 Housing Finance 0 Small Medium Enterprise (SME) Finance 0 Corporate Lending 0 Others 6.98	-	-

Indostar Capital Finance Ltd.

Indostar Capital Finance Ltd.

Financial

Business

SIGN UP FOR FREE