Religare Enterprises Ltd.

Financial

	Religare Enterprises	Edelweiss Financial	Medi Assist Health
Operational Metrics
Banking Sector
Gross NPA	8.6 %	n/a	n/a
General Insurance Sector
Yield On Total Investments - General Insurance	5.2 %	n/a	n/a
Combined Ratio	100.0 %	n/a	n/a
Monthly Gross Direct Premium Income (GDPI)	758.6 Crs	n/a	n/a
Risk Retention Ratio	86.0 %	n/a	n/a
Float	3223.89 Crs	n/a	n/a
Financials
5 yr Average ROE	61.84 %	-1.68 %	14.87 %
5yr average Equity Multiplier	-18.44	7.34	2.15
5yr Average Asset Turnover Ratio	0.36	0.18	0.65
5yr Avg Net Profit Margin	-19.52 %	-0.42 %	11.06 %
Price to Book	3.27	1.63	0.0
P/E	2.01	17.92	48.06
5yr Avg Cash Conversion Cycle	14.08 Days	n/a	88.89 Days
Inventory Days	0.04 Days	n/a	0.0
Days Receivable	14.05 Days	n/a	88.89 Days
Days Payable	127.29 Days	n/a	40.03 Days
5yr Average Interest Coverage Ratio	1.01	n/a	20.55
5yr Avg ROCE	-4.94 %	n/a	22.1 %
5yr Avg Operating Profit Margin	-1.13 %	n/a	26.47 %
5 yr average Debt to Equity	-9.47	n/a	0.12
5yr CAGR Net Profit	n/a	n/a	23.11 %
5yr Average Return on Assets	-2.03 %	n/a	7.26 %
Shareholdings
Promoter Holding	0.0	32.76 %	38.91 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.31 %	-0.12 %	0.0
Change in Mutual Fund Holding (3 Yrs)	4.92 %	-1.79 %	0.0

Business

	Religare Enterprises	Edelweiss Financial	Medi Assist Health
Segment Break-Up	Segment Break-Up Insurance 90.38 Broking 5.11 Investment services 3.85 E-Goverance 0.65 Financial Advisory Services 0 Treasury 0 Asset Reconstruction business 0 Insurance Business 0 Capital based 0 Agency 0 Others 0.01	Segment Break-Up Asset Reconstruction 22.12 Financial Advisory Services 0 Agency 8.15 Broking 0 Investment services 0 Insurance 0 Insurance 35.78 Capital based 19.85 Treasury Operations 13.77 E-Goverance 0 Others 0.33	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0 Outside India 0	Location Wise Break-Up Rest of the World 0 Outside India 0 India 100.0	Location Wise Break-Up Rest of the World 0 Outside India 5.85 India 94.15
Borrowings Break-Up	Borrowings Break-Up Secured 59.33 Un Secured 40.67 ASB 0 PF & Insurance 0 Corporate 0 MF 0 Retail 0 Bank 0	Borrowings Break-Up PF & Insurance 20.0 Retail 26.0 Un Secured 0 ASB 0 Secured 0 MF 11.0 Banking 43.0 Corporate 0	-
Premium Break-Up - General Insurance	Premium Break-Up - General Insurance Health 95.87 PERSONAL ACCIDENT 2.95 Health Insurance 0 Engineering 0 Motor 0 Marine 0 Fire 0 Others 1.18	Premium Break-Up - General Insurance Fire 2.38 Health 0 Engineering 0.15 PERSONAL ACCIDENT 0 Health Insurance 36.4 Marine 0 Motor 51.79 Others 9.28	-