SG Finserve Ltd. benchmarking: Performance to industry peers

Financial

	SG Finserve	Sindhu Trade Links	Indostar Capital Fin
Operational Metrics
Banks
Net Interest Margin	9.2 %	n/a	7.8 %
Gross NPA	0.0	n/a	n/a
NBFC
Tier I Capital	43.08 %	n/a	28.46 %
AUM - NBFC	2325.0 Crs	n/a	8056.0 Crs
Capital to Risks Assets Ratio (CRAR)	43.46 %	n/a	36.1 %
Financials
5 yr Average ROE	7.7 %	1.09 %	2.83 %
5yr average Equity Multiplier	2.08	3.24	3.12
5yr Average Asset Turnover Ratio	0.07	0.33	0.12
5yr Avg Net Profit Margin	84.03 %	0.02 %	-8.37 %
5yr Avg Net Profit Margin	84.03 %	0.02 %	-8.37 %
5yr CAGR Net Profit	177.2 %	n/a	n/a
5yr CAGR Sales	173.26 %	19.0 %	2.74 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.65	2.22	1.06
P/E	30.31	67.78	28.67
Shareholdings
Promoter Holding	52.92 %	74.97 %	70.38 %
Share Pledged by Promoters	0.0	0.28 %	0.0
Change in Promoter Holding (3 Yrs)	2.04 %	0.0	-18.83 %
Change in Mutual Fund Holding (3 Yrs)	1.43 %	0.0	0.0

	SG Finserve	Sindhu Trade Links	Indostar Capital Fin
Product Wise Break-Up	Product Wise Break-Up Interest Income 94.0 Processing fees and documentation charges 5.91 Interest on deposits with Banks 0 Finance & Investment 0 Oil & Lubricants 0 0 Power 0 Media 0 Coal Mining, Trading 0 O&M Income 0 Fees and Commission Income 0 0 0 0 Interest on loans - Loan portfolio 0 Others 0.09	Product Wise Break-Up Coal 12.87 Media 0 Interest on loans - Loan portfolio 0 Interest on deposits with Banks 0 Financial Services 0.82 Power 5.67 Interest Income 0 Construction 68.17 0 0 Fees and Commission Income 0 Oil & Lubricants 5.88 0 0 O&M Income 0 Others 6.59	Product Wise Break-Up Coal Mining, Trading 0 Media 0 Interest Income 90.96 Interest on deposits with Banks 0 Finance & Investment 0 Power 0 Interest Income 0 0 0 0 Fees and Commission Income 7.24 Oil & Lubricants 0 0 Net gain on fair value changes 1.8 O&M Income 0
Segment Break-Up	Segment Break-Up Channel Financing 100.0	-	Segment Break-Up Channel Financing 0 Others 100
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