Satin Creditcare Network Ltd. benchmarking: Perfomance to industry peers

Financial

	Satin Creditcare	Mufin Green Finance	Centrum Capital
Operational Metrics
NBFC
Gross NPA	3.7 %	n/a	n/a
AUM - NBFC	12499.0 Crs	n/a	n/a
Capital to Risks Assets Ratio (CRAR)	26.0 %	n/a	n/a
Cost To Income Ratio	49.57 %	n/a	n/a
Net NPA	1.4 %	n/a	n/a
Number of Clients - NBFC	33.0 Lacs	n/a	n/a
Retail
Average Ticket Size	56000.0 Rs	n/a	n/a
Financials
5 yr Average ROE	5.23 %	11.12 %	-29.84 %
5yr average Equity Multiplier	4.77	2.1	31.55
5yr Average Asset Turnover Ratio	0.2	0.15	0.12
5yr Avg Net Profit Margin	5.49 %	49.58 %	-11.22 %
5yr Avg Net Profit Margin	5.49 %	n/a	n/a
5yr CAGR Net Profit	n/a	n/a	n/a
5yr CAGR Sales	13.58 %	n/a	n/a
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	0.64	5.85	6.16
P/E	12.85	84.75	0.0
Shareholdings
Promoter Holding	36.17 %	54.2 %	38.51 %
Share Pledged by Promoters	0.0	0.0	45.24 %
Change in Promoter Holding (3 Yrs)	-0.52 %	-13.55 %	0.28 %
Change in Mutual Fund Holding (3 Yrs)	-2.37 %	0.0	0.0

Business

	Satin Creditcare	Mufin Green Finance	Centrum Capital
Product Wise Break-Up	Product Wise Break-Up Interest income 87.6 Gain from derecognition of financial instrument 4.61 Fees and Commission 0.7 Dividend Income 0 MSME 0 Service/ Trade (ex. MSME) 0 Production 0 Agri/ Allied Activities 0 Financing and Investing activities 0 Interest Income 0 Consultancy Fees 0 Brokerage & Commission 0 Business Support Service Fees 0 Forex / Forex equivalents 0 Syndication, Commission & Brokerage 0 Others 7.09	Product Wise Break-Up Fees and Commission 0 Consultancy Fees 0 Forex / Forex equivalents 0 Agri/ Allied Activities 0 Brokerage & Commission 0 Interest income 0 Syndication, Commission & Brokerage 0 Service/ Trade (ex. MSME) 0 Financing and Investing activities 100.0 0 Interest Income 0 Business Support Service Fees 0 Dividend Income 0 MSME 0 Production 0	Product Wise Break-Up Fees and Commission 0 Consultancy Fees 0 Forex / Forex equivalents 0 Agri/ Allied Activities 0 Broking 7.85 Interest income 0 Syndication, Commission & Brokerage 0 Service/ Trade (ex. MSME) 0 Financing and Investing activities 0 0 Interest Income 79.48 Business Support Service Fees 0 Dividend Income 0 MSME 0 Production 0 Others 12.67
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 India 0 Others 20.3	Location Wise Break-Up Chhattisgarh 0 Karnataka 0 Jharkhand 0 West Bengal 0 Madhya Pradesh 0 Maharashtra 0 Punjab 0 Gujarat 0 India 100.0 Uttar Pradesh 0 Tripura 0 Tamil Nadu 0 Pondicherry 0 Rajasthan 0 India 0 NCR 0 Haryana 0 Assam 0 Bihar 0	Location Wise Break-Up Chhattisgarh 0 Karnataka 0 Jharkhand 0 West Bengal 0 Madhya Pradesh 0 Maharashtra 0 Punjab 0 Gujarat 0 Domestic 0 Uttar Pradesh 0 Tripura 0 Tamil Nadu 0 Pondicherry 0 Rajasthan 0 India 100.0 NCR 0 Haryana 0 Assam 0 Bihar 0
AUM Break-Up - NBFC	AUM Break-Up - NBFC MFI Lending 85.89 Housing Finance 7.69 MSME 6.17 Business Correspondence 0.25 SFL 0 TFSL - Business Correspondence 0 Product Financing 0	-	-

Satin Creditcare Network Ltd.

Satin Creditcare Network Ltd.

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