Religare Enterprises Ltd. benchmarking: Perfomance to industry peers

Financial

	Religare Enterprises	Bengal & Assam	SBFC Finance
Operational Metrics
Banks
Net NPA	n/a	n/a	1.48 %
Gross NPA	8.6 %	n/a	2.71 %
General Insurance
Monthly Gross Direct Premium Income (GDPI)	878.97 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 %	31.7 %
Financials
5 yr Average ROE	280.34 %	18.85 %	8.26 %
5yr average Equity Multiplier	-34.12	2.54	3.09
5yr Average Asset Turnover Ratio	0.51	0.79	0.13
5yr Avg Net Profit Margin	0.61 %	15.95 %	20.59 %
Price to Book	3.04	0.69	3.39
P/E	83.93	8.61	31.34
5yr Avg Cash Conversion Cycle	5.76 Days	n/a	4.55 Days
Inventory Days	0.08 Days	n/a	0.0
Days Receivable	5.62 Days	n/a	4.55 Days
Days Payable	41.47 Days	n/a	0.0
5yr Average Interest Coverage Ratio	3.18	n/a	1.67
5yr Avg ROCE	5.8 %	n/a	8.66 %
5yr Avg Operating Profit Margin	-0.45 %	n/a	64.91 %
5 yr average Debt to Equity	-21.64	n/a	1.96
5yr CAGR Net Profit	n/a	n/a	29.73 %
5yr Average Return on Assets	3.82 %	n/a	2.39 %
Shareholdings
Promoter Holding	26.27 %	72.87 %	52.82 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	26.27 %	0.21 %	-11.23 %
Change in Mutual Fund Holding (3 Yrs)	2.98 %	0.0	4.46 %

	Religare Enterprises	Bengal & Assam	SBFC Finance
Segment Break-Up	Segment Break-Up Insurance 94.35 Broking 3.53 Investment services 1.22 E-Goverance 0.7 Financial Advisory Services 0 Others 0.2	-	-
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 International 20.6 India 0 Rest of the World 0	-
Operating Profit Break-Up	Operating Profit Break-Up Insurance 52.78 Investment and Financing Activities 40.67 Broking Related Activities 4.99 E-Goverance 0 Financial Advisory Services 0 Others 1.56	-	-
Borrowings Break-Up	Borrowings Break-Up Secured 92.77 Un Secured 7.23	-	-
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 82.8 Broking Related Activities 9.13 Investment and Financing Activities 7.63 E-Goverance 0.22 Financial Advisory Services 0 Others 0.22	-	-