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)	807.0 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	2.83	0.78	2.04
P/E	78.32	9.64	16.99
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 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 International 20.6 Domestic 79.4 India 0 Rest of the World 0	Location Wise Break-Up International 0 Domestic 0 India 100.0 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 Non-Convertible Debentures 0 Direct Assignment (incl. co-lending) 0 Cash credit/OD 0 0 Term loans 0	-	Borrowings Break-Up Direct Assignment (incl. co-lending) 22.01 Loan From Banks 50.45 0 Un Secured 0 Secured 0 Non-Convertible Debentures 15.08 Loan From Banks 9.9 Others 2.56
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	-	-