Paisalo Digital Ltd. benchmarking: Performance to industry peers

Financial

	Paisalo Digital	MAS Financial Serv	Indostar Capital Fin
Operational Metrics
Banks
Net Interest Margin	6.83 %	7.8 %	8.6 %
NBFC
AUM - NBFC	6100.9 Crs	14363.7 Crs	7692.0 Crs
Capital to Risks Assets Ratio (CRAR)	35.8 %	22.84 %	41.4 %
Tier I Capital	28.9 %	21.5 %	28.46 %
Gross NPA	0.76 %	2.57 %	4.06 %
Net NPA	0.61 %	1.7 %	1.76 %
Financials
5 yr Average ROE	9.8 %	12.68 %	2.83 %
5yr average Equity Multiplier	3.01	5.03	3.12
5yr Average Asset Turnover Ratio	0.15	0.12	0.12
5yr Avg Net Profit Margin	21.97 %	21.17 %	-8.37 %
5yr Avg Net Profit Margin	21.97 %	21.17 %	-8.37 %
5yr CAGR Net Profit	28.12 %	16.54 %	n/a
5yr CAGR Sales	17.38 %	20.58 %	2.74 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.5	1.89	0.79
P/E	18.91	15.17	5.26
Shareholdings
Promoter Holding	41.75 %	66.65 %	70.38 %
Share Pledged by Promoters	21.73 %	0.0	0.0
Change in Promoter Holding (3 Yrs)	-4.17 %	-7.08 %	-18.83 %
Change in Mutual Fund Holding (3 Yrs)	0.0	4.39 %	0.0

Business

	Paisalo Digital	MAS Financial Serv	Indostar Capital Fin
Product Wise Break-Up	Product Wise Break-Up NBFC 100.0 Fees and Commission Income 0 Interest Income 0 Gain On Assignment Of Financial Assets 0 0 0 0 Interest on loans - Loan portfolio 0	Product Wise Break-Up Interest on loans - Loan portfolio 0 0 Gain On Assignment Of Financial Assets 13.3 Interest Income 82.9 NBFC 0 0 0 Fees and Commission Income 3.78 Others 0.02	Product Wise Break-Up Interest Income 90.96 0 Gain On Assignment Of Financial Assets 0 Interest Income 0 NBFC 0 Net gain on fair value changes 1.8 0 Fees and Commission Income 7.24
Product Wise Break-Up	Product Wise Break-Up NBFC 100.0 Fees and Commission Income 0 Interest Income 0 Gain On Assignment Of Financial Assets 0 0 0 0 Interest on loans - Loan portfolio 0	Product Wise Break-Up Interest on loans - Loan portfolio 0 0 Gain On Assignment Of Financial Assets 13.3 Interest Income 82.9 NBFC 0 0 0 Fees and Commission Income 3.78 Others 0.02	Product Wise Break-Up Interest Income 90.96 0 Gain On Assignment Of Financial Assets 0 Interest Income 0 NBFC 0 Net gain on fair value changes 1.8 0 Fees and Commission Income 7.24
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up Rest of the World 0 India 100.0	Location Wise Break-Up Rest of the World 0 India 100.0
Distribution Channel	Distribution Channel Small & Medium Enterprises (SME) loans 74.19 PAISALO App (IGL-DIGITAL-E-SIGN) 13.4 PAISALO JLG (KYC+ESIGN) 12.41	-	-
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 81.68 Loans repayable on demand from banks 18.32 Loans from related parties 0 Non-Convertible Debentures 0 Direct Assignment (incl. co-lending) 0 Cash credit/OD 0 0 Securitisation 0 CPs 0 Banks 0 NCD 0 Equity 0	Borrowings Break-Up Direct Assignment (incl. co-lending) 22.81 Securitisation 0 Loan From Banks 0 Loan From Banks 11.02 Non-Convertible Debentures 15.0 Loans from related parties 0 CPs 0 NCD 0 Equity 0 Loans repayable on demand from banks 0 Banks 0 0 Others 51.17	Borrowings Break-Up Direct Assignment (incl. co-lending) 0 Securitisation 11.0 Loan From Banks 0 Cash credit/OD 0 Non-Convertible Debentures 0 Loans from related parties 0 CPs 29.0 NCD 51.0 Equity 0 Loans repayable on demand from banks 0 Banks 0 0 Others 9.0

Paisalo Digital Ltd.

Paisalo Digital Ltd.

Financial

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