Northern ARC Capital Ltd. benchmarking: Performance to industry peers

Financial

	Northern ARC Capital	Paisalo Digital	Sindhu Trade Links
Operational Metrics
Banks
Net NPA	0.69 %	n/a	n/a
Gross NPA	1.36 %	n/a	n/a
Net Interest Margin	9.9 %	6.6 %	n/a
Building Materials
Cost of Borrowing	8.5 %	n/a	n/a
NBFC
AUM - NBFC	15121.0 Crs	5508.2 Crs	n/a
Tier I Capital	23.48 %	30.7 %	n/a
Yield On Advances	17.1 %	n/a	n/a
Capital to Risks Assets Ratio (CRAR)	23.1 %	38.3 %	n/a
Financials
5 yr Average ROE	9.63 %	9.8 %	1.09 %
5yr average Equity Multiplier	4.38	3.01	3.24
5yr Average Asset Turnover Ratio	0.14	0.15	0.33
5yr Avg Net Profit Margin	15.16 %	21.97 %	0.02 %
5yr Avg Net Profit Margin	15.16 %	21.97 %	0.02 %
5yr CAGR Net Profit	35.16 %	28.12 %	n/a
5yr CAGR Sales	32.52 %	17.38 %	19.0 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.06	2.44	2.24
P/E	12.42	19.22	0.0
Shareholdings
Promoter Holding	0.0	41.75 %	74.97 %
Share Pledged by Promoters	0.0	21.73 %	0.28 %
Change in Promoter Holding (3 Yrs)	0.0	-4.17 %	0.0
Change in Mutual Fund Holding (3 Yrs)	0.07 %	0.0	0.0

	Northern ARC Capital	Paisalo Digital	Sindhu Trade Links
Segment Break-Up	Segment Break-Up Financing Activity 92.14 Investment Management services 1.78 Portfolio Management Services 0.82 Investment Advisory Services 0 Others 5.26	-	-
Borrowing Break-Up - NBFC	Borrowing Break-Up - NBFC Banks 67.93 Offshore financial institutions 15.92 NBFCs 9.04 Domestic DFIs 4.27 Domestic retail/HNIs 2.84 Domestic capital markets 0	-	-
AUM Break-Up	AUM Break-Up MSME 39.8 Consumer finance 26.58 MFI 23.16 Vehicle finance 6.2 Affordable housing finance 2.88 Agriculture Loan 1.39	-	-
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Financing Activity 97.96 Investment Management services 1.41 Investment Advisory Services 0.03 Portfolio Management Services 0 Others 0.6	-	-