Satin Creditcare Network Ltd. benchmarking: Perfomance to industry peers

Financial

	Satin Creditcare	Arman Financial Serv	Mufin Green Finance
Operational Metrics
NBFC
Gross NPA	3.5 %	3.7 %	n/a
AUM - NBFC	12687.0 Crs	2130.0 Crs	n/a
Capital to Risks Assets Ratio (CRAR)	26.3 %	n/a	n/a
Cost To Income Ratio	52.72 %	48.7 %	n/a
Net NPA	1.2 %	0.5 %	n/a
Number of Clients - NBFC	33.0 Lacs	n/a	n/a
Retail
Average Ticket Size	58000.0 Rs	n/a	n/a
Financials
5 yr Average ROE	5.23 %	14.71 %	6.38 %
5yr average Equity Multiplier	4.77	4.5	3.4
5yr Average Asset Turnover Ratio	0.2	0.24	0.13
5yr Avg Net Profit Margin	5.49 %	14.89 %	16.92 %
5yr Avg Net Profit Margin	5.49 %	14.89 %	n/a
5yr CAGR Net Profit	n/a	37.43 %	n/a
5yr CAGR Sales	13.58 %	30.12 %	n/a
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	0.65	1.91	6.21
P/E	8.81	0.0	105.56
Shareholdings
Promoter Holding	36.17 %	22.0 %	54.11 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-1.83 %	-5.35 %	-4.07 %
Change in Mutual Fund Holding (3 Yrs)	-1.81 %	1.71 %	0.0

Business

	Satin Creditcare	Arman Financial Serv	Mufin Green Finance
Product Wise Break-Up	Product Wise Break-Up Interest income 78.77 Gain from derecognition of financial instrument 8.9 Fees and Commission 0.96 Dividend Income 0 MSME 0 Service/ Trade (ex. MSME) 0 Production 0 Agri/ Allied Activities 0 Gain on Assignment of Financial Assets 0 0 nbfc 0 Financing and Investing activities 0 Others 11.37	Product Wise Break-Up Service/ Trade (ex. MSME) 0 NBFC 7.59 0 Fees and Commission 0 Agri/ Allied Activities 0 Dividend Income 0 Interest income 0 Financing and Investing activities 0 MSME 0 NBFC 86.84 Production 0 nbfc 0 Others 5.57	Product Wise Break-Up Service/ Trade (ex. MSME) 0 Gain on Assignment of Financial Assets 0 0 Fees and Commission 0 Agri/ Allied Activities 0 Dividend Income 0 Interest income 0 Financing and Investing activities 100.0 MSME 0 0 Production 0 nbfc 0
Borrowing Break-Up - NBFC	Borrowing Break-Up - NBFC Loan From Banks 71.76 External Commercial Borrowings 14.85 Liability against securitized assets 10.25 Liability against leased assets 0.34 0 Banks 0 Commercial paper 0 Non-convertible debentures 0 Others 2.8	-	-
Location Wise Break-Up	Location Wise Break-Up Uttar Pradesh 26.9 Bihar 14.6 Punjab 6.6 Madhya Pradesh 6.6 West Bengal 6.2 Rajasthan 5.7 NCR 5.6 Assam 3.9 Haryana 3.6 Pondicherry 0 Tripura 0 Karnataka 0 Tamil Nadu 0 Chhattisgarh 0 Jharkhand 0 Maharashtra 0 Gujarat 0 Domestic 0 Others 20.3	Location Wise Break-Up Tamil Nadu 0 Rajasthan 10.0 Uttar Pradesh 21.0 Assam 0 Chhattisgarh 0 Gujarat 30.0 Haryana 0 Bihar 11.0 West Bengal 0 Madhya Pradesh 15.0 Karnataka 0 Jharkhand 0 Punjab 0 Domestic 0 Maharashtra 4.0 Tripura 0 NCR 0 Pondicherry 0 Others 9.0	Location Wise Break-Up Tamil Nadu 0 Rajasthan 0 Uttar Pradesh 0 Assam 0 Chhattisgarh 0 Gujarat 0 Haryana 0 Bihar 0 West Bengal 0 Madhya Pradesh 0 Karnataka 0 Jharkhand 0 Punjab 0 India 100.0 Maharashtra 0 Tripura 0 NCR 0 Pondicherry 0
AUM Break-Up - NBFC	AUM Break-Up - NBFC MFI Lending 85.2 Housing Finance 8.06 MSME 6.5 Business Correspondence 0.24 SFL 0 TFSL - Business Correspondence 0 Product Financing 0 2-wheeler loans 0 MSME loans 0 Microfinance 0	AUM Break-Up - NBFC TFSL - Business Correspondence 0 SFL 0 Small & Medium Enterprises (SME) loans 20.2 MFI Lending 0 Business Correspondence 0 Microfinance Services 74.5 2 Wheeler Loans 3.5 Housing Finance 0 MSME 0 Product Financing 0 Others 1.8	-

Satin Creditcare Network Ltd.

Satin Creditcare Network Ltd.

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