Satin Creditcare Network Ltd. benchmarking: Performance to industry peers

Financial

	Satin Creditcare	Arman Financial Serv	PTC India Fin. Serv
Operational Metrics
NBFC
Gross NPA	3.3 %	3.4 %	8.46 %
AUM - NBFC	13341.0 Crs	2274.0 Crs	n/a
Capital to Risks Assets Ratio (CRAR)	24.6 %	n/a	71.21 %
Cost To Income Ratio	51.6 %	49.9 %	20.0 %
Net NPA	1.1 %	0.8 %	4.74 %
Number of Clients - NBFC	33.0 Lacs	n/a	n/a
Retail
Average Ticket Size	61000.0 Rs	n/a	n/a
Financials
5 yr Average ROE	5.42 %	14.71 %	5.67 %
5yr average Equity Multiplier	4.77	4.5	3.6
5yr Average Asset Turnover Ratio	0.2	0.24	0.1
5yr Avg Net Profit Margin	5.49 %	14.89 %	18.7 %
5yr Avg Net Profit Margin	5.49 %	14.89 %	18.7 %
5yr CAGR Net Profit	n/a	37.43 %	53.34 %
5yr CAGR Sales	13.58 %	30.12 %	-10.66 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	0.66	1.95	0.61
P/E	9.01	60.02	5.47
Shareholdings
Promoter Holding	36.17 %	22.0 %	64.99 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-1.83 %	-5.35 %	0.0
Change in Mutual Fund Holding (3 Yrs)	-1.81 %	1.71 %	2.11 %

Business

	Satin Creditcare	Arman Financial Serv	PTC India Fin. Serv
Product Wise Break-Up	Product Wise Break-Up Interest income 82.14 Gain from derecognition of financial instrument 13.56 Fees and Commission 0.94 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 Sale of Power 0 Fee and commission income 0 Interest Income 0 Others 3.36	Product Wise Break-Up Interest income 0 Agri/ Allied Activities 0 Interest Income 0 nbfc 0 MSME 0 Dividend Income 0 Sale of Power 0 Service/ Trade (ex. MSME) 0 NBFC 4.0 Production 0 0 Fees and Commission 0 NBFC 88.53 Fee and commission income 0 Others 7.47	Product Wise Break-Up Interest income 0 Agri/ Allied Activities 0 Interest Income 90.41 nbfc 0 MSME 0 Dividend Income 0 Sale of power 0.65 Service/ Trade (ex. MSME) 0 Gain on Assignment of Financial Assets 0 Production 0 0 Fees and Commission 0 0 Fee and commission income 0.07 Others 8.87
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 Rest of the World 0 India 0 Others 20.3	Location Wise Break-Up Chhattisgarh 0 NCR 0 Haryana 0 Pondicherry 0 Maharashtra 4.0 West Bengal 0 Jharkhand 0 Gujarat 30.0 Punjab 0 Rajasthan 9.0 Uttar Pradesh 21.0 Madhya Pradesh 16.0 Rest of the World 0 Karnataka 0 Tamil Nadu 0 Bihar 11.0 India 0 Assam 0 Tripura 0 Others 9.0	Location Wise Break-Up Chhattisgarh 0 NCR 0 Haryana 0 Pondicherry 0 Maharashtra 0 West Bengal 0 Jharkhand 0 Gujarat 0 Punjab 0 Rajasthan 0 Uttar Pradesh 0 Madhya Pradesh 0 Rest of the World 0 Karnataka 0 Tamil Nadu 0 Bihar 0 India 100.0 Assam 0 Tripura 0
AUM Break-Up - NBFC	AUM Break-Up - NBFC MFI Lending 83.95 Housing Finance 8.25 MSME 7.56 Business Correspondence 0.23 SFL 0 TFSL - Business Correspondence 0 Product Financing 0 2-wheeler loans 0 MSME loans 0 Microfinance 0 Others 0.01	AUM Break-Up - NBFC TFSL - Business Correspondence 0 MSME 0 Product Financing 0 SFL 0 Business Correspondence 0 Microfinance Services 58.5 Small & Medium Enterprises (SME) loans 21.5 Housing Finance 0 2 Wheeler Loans 4.0 MFI Lending 0 Others 16.0	-

Satin Creditcare Network Ltd.

Satin Creditcare Network Ltd.

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