Indostar Capital Finance Ltd.

Financial

	Indostar Capital Fin	Can Fin Homes	Motilal Oswal Fin
Operational Metrics
Banking Sector
Net Interest Margin	5.9 %	3.96 %	7.6 %
Yield On Advances	13.1 %	n/a	n/a
NBFC
Cost To Income Ratio	53.7 %	20.7 %	45.9 %
Cost of Borrowing	11.3 %	7.52 %	8.3 %
AUM - NBFC	8763.0 Crs	34999.0 Crs	n/a
Capital to Risks Assets Ratio (CRAR)	28.9 %	23.07 %	51.0 %
Tier I Capital	31.5 %	21.69 %	50.0 %
Gross NPA	4.1 %	0.82 %	0.9 %
Net NPA	1.8 %	0.42 %	0.4 %
Financials
5 yr Average ROE	-5.56 %	16.78 %	16.36 %
5yr average Equity Multiplier	3.31	9.37	3.28
5yr Average Asset Turnover Ratio	0.13	0.09	0.23
5yr Avg Net Profit Margin	-12.25 %	20.9 %	21.54 %
5yr Avg Net Profit Margin	-12.25 %	20.9 %	n/a
5yr CAGR Net Profit	-1.33 %	15.9 %	n/a
5yr CAGR Sales	7.16 %	9.64 %	n/a
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.08	2.36	4.14
P/E	30.08	13.63	14.81
Shareholdings
Promoter Holding	75.0 %	29.99 %	69.16 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-18.31 %	0.0	-1.5 %
Change in Mutual Fund Holding (3 Yrs)	-0.57 %	11.09 %	2.04 %

Business

	Indostar Capital Fin	Can Fin Homes	Motilal Oswal Fin
Product Wise Break-Up	Product Wise Break-Up Interest Income 93.24 Fees and Commission Income 4.29 Net gain on fair value changes 0.78 0 0 Loans for Sites 0 Mortgage Loans/ Flexilap 0 Top-up Personal Loans 0 Housing Loans 0 Others 1.69	Product Wise Break-Up Loans for Sites 0.85 Loan Against Property 5.43 Loan From Banks 4.47 0 0 Net gain on fair value changes 0 Interest Income 0 Home loans 88.93 Fees and Commission Income 0 Others 0.32	-
Segment Break-Up	Segment Break-Up Home Finance 0 Investment Banking 0 Asset management and Advisory 0 Fund Based Activities 0 Broking and other related activities 0 Others 100	-	Segment Break-Up Broking 54.82 Home loans 7.8 Fund Based activities 22.08 Asset Management 15.3 Investment Banking 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 Retail 96.51 Corporate 3.49 Self Employed & Non Professionals 0 Salaried & Professionals 0	Customer Segment Salaried 71.92 Retail 0 Corporate 0 Self Employed 28.02 Others 0.06	-
Operating Profit Break-Up	Operating Profit Break-Up Housing Finance 17.37 Fund Based 0 Asset & Wealth Management 0 Capital Market 0 Others 82.63	-	Operating Profit Break-Up Capital Markets 33.15 Asset Management 12.79 Fund Based 46.8 Home loans 5.74 Others 1.52
Borrowings Break-Up	Borrowings Break-Up Equity 32.0 Banking 25.0 NCD 25.0 Securitisation 14.0 CPs 4.0 Cash credit from banks 0 Demand loans from banks 0 Term loans 0	-	Borrowings Break-Up NCD 0 CPs 0 Cash credit from banks 0 Banking 0 Loan From Banks 31.24 Securitisation 0 Loan From Banks 68.76 Equity 0
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Others 100	-	-
AUM Break-Up - NBFC	AUM Break-Up - NBFC Commercial Vehicle Loans 60.35 Home loans 25.47 Small & Medium Enterprises (SME) loans 9.13 Corporate Banking 4.74 Vehicle Finance 0 Others 0.31	-	-

Indostar Capital Finance Ltd.

Indostar Capital Finance Ltd.

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