One97 Communications Ltd. benchmarking: Performance to industry peers

Financial

	One97 Communications	PB Fintech	One Mobikwik Systems
Operational Metrics
IT
Total Payment Volume - Quarterly	650000.0 Rs Crs	n/a	897.0 Rs Crs
Retail
Payment Processing Charges as a % of GMV	0.11 %	n/a	n/a
Monthly GMV/MTU	28138.53 Rs	n/a	n/a
Average Monthly Value of Loans Disbursed	1912.67 Crs	n/a	n/a
Ticket Size - Loans	12170.45 Rs	n/a	n/a
Average Monthly Loans Through Paytm	4400.0 Ths	n/a	n/a
Unclassified
Advertisement Spend as a % of Total Sales	7.46 %	n/a	n/a
Financials
5 yr Average ROE	0.0	1.33 %	112.96 %
5yr average Equity Multiplier	1.38	1.15	-0.92
5yr Average Asset Turnover Ratio	0.38	0.44	0.79
5yr Avg Net Profit Margin	-30.94 %	-17.08 %	-17.45 %
Price to Book	4.47	10.77	2.87
P/E	129.47	117.58	0.0
5yr Avg Cash Conversion Cycle	77.96 Days	59.9 Days	21.39 Days
Inventory Days	0.0	0.0	0.0
Days Receivable	77.96 Days	59.9 Days	21.39 Days
Days Payable	21.72 Days	8.28 Days	16.69 Days
5yr Average Interest Coverage Ratio	-52.25	-15.21	-0.02
5yr Avg ROCE	-13.97 %	-4.34 %	51.49 %
5yr Avg Operating Profit Margin	-32.89 %	-22.14 %	-4.17 %
5 yr average Debt to Equity	0.02	0.0	0.16
5yr CAGR Net Profit	-17.23 %	n/a	1.77 %
5yr Average Return on Assets	-10.48 %	-4.52 %	-12.17 %
Shareholdings
Promoter Holding	0.0	0.0	25.08 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	0.0	-0.1 %
Change in Mutual Fund Holding (3 Yrs)	13.89 %	18.6 %	-6.14 %

	One97 Communications	PB Fintech	One Mobikwik Systems
Product Wise Break-Up	Product Wise Break-Up Payment Processing 85.25 Marketing Services 11.06 Financial Products Commission 0 Rewards 0 Marketing & Consulting 0 Outsourcing Services 0 Insurance Commission 0 Payment Services 0 Financial Services 0 Others 3.69	Product Wise Break-Up Insurance Commission 85.96 Financial Products Commission 10.8 Rewards 0 Outsourcing Services 0.39 Marketing Services 0 Consulting 1.0 Payment Processing 0 Payment Services 0 Financial Services 0 Others 1.85	Product Wise Break-Up Insurance Commission 0 Financial Products Commission 0 Rewards 0 Outsourcing Services 0 Marketing Services 0 Marketing & Consulting 0 Payment Processing 0 Payment Services 75.28 Financial Services 21.94 Others 2.78
Loan Break-Up	Loan Break-Up Merchant Loans 62.56 Personal Loans 37.44 Postpaid Loans 0	-	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Outside India 0	Location Wise Break-Up India 100.0 Outside India 0	Location Wise Break-Up India 99.99 Outside India 0.01