Mahindra & Mahindra Financial Services Ltd. benchmarking: Perfomance to industry peers

Financial

	Mah & Mah Finl. Serv	Sundaram Finance	Poonawalla Fincorp
Operational Metrics
Asset Management
% of AUM in equity fund	81.89 %	71.89 %	n/a
5 Yr AUM CAGR - Mutual Funds	41.53 %	18.42 %	n/a
AUM - Mutual Funds	33114.21 Crs	77085.92 Crs	n/a
Banks
Net Interest Margin	7.0 %	4.8 %	11.06 %
NBFC
Gross NPA	3.94 %	1.26 %	1.59 %
Net NPA	1.89 %	0.63 %	0.81 %
Cost To Income Ratio	39.4 %	34.69 %	n/a
AUM - NBFC	127246.0 Crs	43987.0 Crs	47701.0 Crs
Capital to Risks Assets Ratio (CRAR)	19.5 %	20.5 %	20.85 %
Tier I Capital	16.9 %	16.8 %	0.0
Financials
5 yr Average ROE	8.6 %	13.8 %	2.02 %
5yr average Equity Multiplier	5.74	5.72	3.83
5yr Average Asset Turnover Ratio	0.13	0.11	0.12
5yr Avg Net Profit Margin	11.45 %	22.27 %	17.47 %
5yr Avg Net Profit Margin	11.45 %	22.27 %	17.47 %
5yr CAGR Net Profit	23.95 %	10.04 %	-29.36 %
5yr CAGR Sales	8.9 %	9.88 %	12.41 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.96	3.86	3.81
P/E	19.65	29.59	172.44
Shareholdings
Promoter Holding	52.49 %	37.22 %	63.96 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.33 %	-1.27 %	2.46 %
Change in Mutual Fund Holding (3 Yrs)	7.17 %	-8.01 %	1.45 %

Business

	Mah & Mah Finl. Serv	Sundaram Finance	Poonawalla Fincorp
Loan Break-Up	Loan Break-Up Consumer Finance 85.94 Loans under housing finance business 5.88 Small & Medium Enterprises (SME) loans 3.78 Trading 2.51 Bills of exchange 1.04 0 0 Others 0.85	-	-
Location Wise Break-Up	Location Wise Break-Up North India 33.0 East India 20.0 South India 19.0 West India 18.0 Central India 10.0	Location Wise Break-Up East India 4.1 Central India 0 West India 10.6 North India 23.4 South India 46.1 Others 15.8	Location Wise Break-Up East India 13.0 Central India 0 West India 31.0 North India 26.0 South India 30.0
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 99.95 Loans repayable on demand from banks 0.04 Loans from corporates 0 WC Loans 0 NHB 0 Comercial paper 0 Securitisation Deposits 0 Bank Borrowing 0 Debenture 0 Loans repayable on demand (from banks) 0 Term loans (from banks) 0 Others 0.01	Borrowings Break-Up Loan From Banks 0 Loans repayable on demand from banks 0 Debenture 32.1 Bank Borrowing 30.9 Comercial paper 11.0 WC Loans 0 NHB 0 Loans repayable on demand (from banks) 0 Securitisation 13.4 Loans from corporates 0 Term loans (from banks) 0 Others 12.6	Borrowings Break-Up Loan From Banks 0 Loans repayable on demand from banks 0 Debenture 0 Bank Borrowing 0 Comercial paper 0 WC Loans 0 NHB 0 Loan From Banks 23.39 Securitisation Deposits 0 Loans from corporates 0 Loan From Banks 33.56 Others 43.05
Borrowings - Geography Wise	Borrowings - Geography Wise Borrowings in India 90.06 Borrowings outside India 9.94	-	-
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Others 100	-	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 81.77 Balanced schemes 8.78 Debt 5.21 Liquid/ Money Market 4.11 ETF 0 FMP 0 Gilt 0 Others 0.13	AUM Break-Up - Asset Management Balanced schemes 7.25 Liquid/ Money Market 10.84 ETF 0 Gilt 0 Equity 0 Debt 7.34 FMP 0 Others 74.57	-
Segment Wise Break-Up	Segment Wise Break-Up Financing Activities 91.91 Others 8.09	-	-
AUM Break-Up - NBFC	AUM Break-Up - NBFC Utility Vehicles 41.02 Commercial Vehicles 18.38 Pre-owned vehicles 16.99 Tractor Segment 13.36 SME 4.09 Cars 0 Construction Equipements 0 CVs 0 Others 6.16	AUM Break-Up - NBFC Tractor Segment 0 Commercial Vehicles 0 SME 0 Pre-owned vehicles 0 Utility Vehicles 0 Commercial Vehicles 20.4 Construction Equipment 10.5 4 Wheeler 24.5 Others 44.6	-

Mahindra & Mahindra Financial Services Ltd.

Mahindra & Mahindra Financial Services Ltd.

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