Religare Enterprises Ltd. benchmarking: Perfomance to industry peers

Financial

	Religare Enterprises	Bengal & Assam	MAS Financial Serv
Operational Metrics
Banks
Net NPA	n/a	n/a	n/a
Gross NPA	8.6 %	n/a	n/a
General Insurance
Monthly Gross Direct Premium Income (GDPI)	717.94 Crs	n/a	n/a
Risk Retention Ratio	86.0 %	n/a	n/a
Yield On Total Investments - General Insurance	5.2 %	n/a	n/a
Float	3343.65 Crs	n/a	n/a
Combined Ratio	90.0 %	n/a	n/a
NBFC
Capital to Risks Assets Ratio (CRAR)	n/a	543.5 %	24.57 %
Financials
5 yr Average ROE	280.34 %	18.85 %	12.68 %
5yr average Equity Multiplier	-34.12	2.54	5.03
5yr Average Asset Turnover Ratio	0.51	0.79	0.12
5yr Avg Net Profit Margin	0.61 %	15.95 %	21.17 %
Price to Book	3.44	0.83	1.99
P/E	73.6	10.37	16.54
5yr Avg Cash Conversion Cycle	5.76 Days	n/a	1.28 Days
Inventory Days	0.08 Days	n/a	0.0
Days Receivable	5.62 Days	n/a	1.28 Days
Days Payable	41.47 Days	n/a	12.02 Days
5yr Average Interest Coverage Ratio	3.18	n/a	1.58
5yr Avg ROCE	5.8 %	n/a	13.98 %
5yr Avg Operating Profit Margin	-0.45 %	n/a	77.95 %
5 yr average Debt to Equity	-21.64	n/a	3.6
5yr CAGR Net Profit	n/a	n/a	16.54 %
5yr Average Return on Assets	3.82 %	n/a	2.52 %
Shareholdings
Promoter Holding	25.83 %	72.87 %	66.63 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	25.83 %	0.21 %	-7.1 %
Change in Mutual Fund Holding (3 Yrs)	4.59 %	0.0	4.85 %

	Religare Enterprises	Bengal & Assam	MAS Financial Serv
Segment Break-Up	Segment Break-Up Insurance 93.69 Broking 3.79 Investment services 1.32 E-Goverance 1.13 Financial Advisory Services 0 Others 0.07	-	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0 International 0 Domestic 0	Location Wise Break-Up Domestic 79.4 Rest of the World 0 International 20.6 India 0	Location Wise Break-Up Domestic 0 Rest of the World 0 International 0 India 100.0
Operating Profit Break-Up	Operating Profit Break-Up Investment and Financing Activities 68.19 E-Goverance 31.01 Broking Related Activities 0.79 Insurance 0 Financial Advisory Services 0 Others 0.01	-	-
Borrowings Break-Up	Borrowings Break-Up Secured 92.77 Un Secured 7.23 Non-Convertible Debentures 0 Direct Assignment (incl. co-lending) 0 Cash credit/OD 0 0 Term loans 0	-	Borrowings Break-Up Loan From Banks 10.08 Secured 0 Non-Convertible Debentures 14.43 Loan From Banks 51.62 Un Secured 0 Direct Assignment (incl. co-lending) 21.16 0 Others 2.71
Premium Break-Up - General Insurance	Premium Break-Up - General Insurance Health 95.87 PERSONAL ACCIDENT 2.95 Others 1.18	-	-
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Insurance 82.0 Broking Related Activities 9.72 Investment and Financing Activities 7.66 E-Goverance 0.21 Financial Advisory Services 0 Others 0.41	-	-