Poonawalla Fincorp Ltd. benchmarking: Performance to industry peers

Financial

	Poonawalla Fincorp	Mah & Mah Finl. Serv	Cholamandalam Fin.
Operational Metrics
Banks
Net Interest Margin	11.06 %	7.5 %	n/a
NBFC
AUM - NBFC	60348.0 Crs	134096.0 Crs	n/a
Capital to Risks Assets Ratio (CRAR)	16.83 %	18.8 %	n/a
Tier I Capital	0.0	16.7 %	n/a
Gross NPA	1.44 %	3.4 %	n/a
Net NPA	0.74 %	1.4 %	n/a
Real Estate
Cost of Borrowing	7.63 %	n/a	n/a
Financials
5 yr Average ROE	8.4 %	9.77 %	16.54 %
5yr average Equity Multiplier	3.81	5.85	16.67
5yr Average Asset Turnover Ratio	0.11	0.13	0.15
5yr Avg Net Profit Margin	23.88 %	12.89 %	6.69 %
5yr Avg Net Profit Margin	23.88 %	12.89 %	n/a
5yr CAGR Net Profit	7.63 %	20.22 %	n/a
5yr CAGR Sales	26.72 %	12.92 %	n/a
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	3.92	1.74	2.03
P/E	74.84	16.27	12.86
Shareholdings
Promoter Holding	63.93 %	52.49 %	46.38 %
Share Pledged by Promoters	0.0	0.0	0.02 %
Change in Promoter Holding (3 Yrs)	1.79 %	0.33 %	-2.02 %
Change in Mutual Fund Holding (3 Yrs)	2.51 %	4.43 %	-2.08 %

Business

	Poonawalla Fincorp	Mah & Mah Finl. Serv	Cholamandalam Fin.
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 TRACTOR 0 Affordable Housing 0 Pre-owned vehicles 0 COMMERCIAL VEHICLE 0 Service Income 0.01 0 CONSTRUCTION EQUIPMENT 0 Interest Income 76.41 0 Dividend 0.12 Premium income (net of re-insurance) 16.37 Small & Medium Enterprises (SME) loans 0 Auto Lease 0 Fee & Commission income 6.72 CAR AND UTILITY VEHICLE 0 MORTGAGE 0 Others 0.37
Location Wise Break-Up	Location Wise Break-Up West India 31.0 South India 30.0 North India 26.0 East India 13.0 Central India 0 India 0	Location Wise Break-Up East India 20.0 Central India 10.0 North India 33.0 India 0 West India 18.0 South India 19.0	Location Wise Break-Up East India 0 Central India 0 North India 0 India 100.0 West India 0 South India 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 Central India 0 India 0	Location Wise Break-Up East India 20.0 Central India 10.0 North India 33.0 India 0 West India 18.0 South India 19.0	Location Wise Break-Up East India 0 Central India 0 North India 0 India 100.0 West India 0 South India 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 Loans repayable on demand 0 Loans from corporates 0 Term loans 0 Loan repayable on demand - Secured 0 External Commercial Borrowings 0 Foreign Currency Loans 0 Rupee Loans 0 Others 43.05	Borrowings Break-Up External Commercial Borrowings 0 Loan repayable on demand - Secured 0 Loan From Banks 99.93 Foreign Currency Loans 0 Rupee Loans 0 Loans from corporates 0 Loan From Banks 0 Loans repayable on demand from banks 0.04 Others 0.03	Borrowings Break-Up External Commercial Borrowings 5.32 Loan From Banks 3.57 Term loans 0 Foreign Currency Loans 0 Rupee Loans 91.11 Loans from corporates 0 Loan From Banks 0 Loans repayable on demand 0
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.

Financial

Business

SIGN UP FOR FREE