Poonawalla Fincorp Ltd. benchmarking: Perfomance to industry peers

Financial

	Poonawalla Fincorp	Cholamandalam Fin.	Mah & Mah Finl. Serv
Operational Metrics
Banks
Net Interest Margin	11.06 %	n/a	7.0 %
NBFC
AUM - NBFC	47701.0 Crs	n/a	127246.0 Crs
Capital to Risks Assets Ratio (CRAR)	20.85 %	n/a	19.5 %
Tier I Capital	0.0	n/a	16.9 %
Gross NPA	1.59 %	n/a	3.94 %
Net NPA	0.81 %	n/a	1.89 %
Real Estate
Cost of Borrowing	7.69 %	n/a	n/a
Financials
5 yr Average ROE	2.02 %	16.54 %	8.6 %
5yr average Equity Multiplier	3.83	16.67	5.74
5yr Average Asset Turnover Ratio	0.12	0.15	0.13
5yr Avg Net Profit Margin	17.47 %	6.69 %	11.45 %
5yr Avg Net Profit Margin	17.47 %	n/a	11.45 %
5yr CAGR Net Profit	-29.36 %	n/a	23.95 %
5yr CAGR Sales	12.41 %	n/a	8.9 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	3.81	2.59	1.76
P/E	172.85	15.87	17.66
Shareholdings
Promoter Holding	63.96 %	46.42 %	52.49 %
Share Pledged by Promoters	0.0	0.02 %	0.0
Change in Promoter Holding (3 Yrs)	2.46 %	-2.19 %	0.33 %
Change in Mutual Fund Holding (3 Yrs)	1.45 %	-5.04 %	7.17 %

Business

	Poonawalla Fincorp	Cholamandalam Fin.	Mah & Mah Finl. Serv
AUM - Collateral Type	AUM - Collateral Type Movable Collateral 45.54 Hard Collateral 35.64 Unsecured 18.81 Others 0.01	-	-
Product Wise Break-Up	Product Wise Break-Up Small & Medium Enterprises (SME) loans 36.0 Pre-owned vehicles 11.0 Auto Lease 0 Affordable Housing 0 MORTGAGE 0 TRACTOR 0 CONSTRUCTION EQUIPMENT 0 COMMERCIAL VEHICLE 0 CAR AND UTILITY VEHICLE 0 Service Income 0 0 Fee & Commission income 0 Premium income (net of re-insurance) 0 0 Dividend Income 0 Interest Income 0 Others 53.0	Product Wise Break-Up Service Income 0 Pre-owned vehicles 0 Affordable Housing 0 Small & Medium Enterprises (SME) loans 0 CAR AND UTILITY VEHICLE 0 TRACTOR 0 0 COMMERCIAL VEHICLE 0 Premium income (net of re-insurance) 16.34 0 Dividend 0.06 MORTGAGE 0 Interest Income 74.8 CONSTRUCTION EQUIPMENT 0 Auto Lease 0 Fee & Commission income 5.77 Others 3.03	-
Location Wise Break-Up	Location Wise Break-Up West India 31.0 South India 30.0 North India 26.0 East India 13.0 India 0 Central India 0	Location Wise Break-Up North India 0 India 100.0 West India 0 Central India 0 East India 0 South India 0	Location Wise Break-Up North India 33.0 India 0 West India 18.0 Central India 10.0 East India 20.0 South India 19.0
Location Wise Break-Up	Location Wise Break-Up West India 31.0 South India 30.0 North India 26.0 East India 13.0 India 0 Central India 0	Location Wise Break-Up North India 0 India 100.0 West India 0 Central India 0 East India 0 South India 0	Location Wise Break-Up North India 33.0 India 0 West India 18.0 Central India 10.0 East India 20.0 South India 19.0
Customer Segment	Customer Segment S/E Formal 41.0 Salaried 27.0 S/E Formal 27.0 Salaried 5.0	-	-
Distribution Channel	Distribution Channel Agency & Others 42.0 Corporate Biz 22.0 OEM 15.0 Corporate Agent 10.0 Banca 8.0 e-Sales 3.0 Sales-Health 0	-	-
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 33.56 Loan From Banks 23.39 Loan repayable on demand - Secured 0 External Commercial Borrowings 0 Foreign Currency Loans 0 Rupee Loans 0 Loans repayable on demand 0 Loans from corporates 0 Term loans 0 Others 43.05	Borrowings Break-Up Loan From Banks 0 Rupee Loans 91.11 Foreign Currency Loans 0 External Commercial Borrowings 5.32 Loans repayable on demand 0 Loans from corporates 0 Term loans 0 Loan From Banks 3.57	Borrowings Break-Up Loan From Banks 0 Rupee Loans 0 Foreign Currency Loans 0 External Commercial Borrowings 0 Loans repayable on demand from banks 0.04 Loans from corporates 0 Loan From Banks 99.95 Loan repayable on demand - Secured 0 Others 0.01
Premium Break-Up - General Insurance	Premium Break-Up - General Insurance Motors 85.15 Health Insurance 8.75 Fire Equipment 5.09 PERSONAL ACCIDENT 0.42 Crop Insurance 0 Commercial Insurance 0 Others 0.59	-	-
AUM Mix- On and Off Book	AUM Mix- On and Off Book On Book 91.0 Off Book 9.0	-	-
Rural vs Urban	Rural vs Urban Semi-urban 42.0 Urban 33.0 Rural 25.0	-	-

Poonawalla Fincorp Ltd.

Poonawalla Fincorp Ltd.

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