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SPANDANA
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Spandana Sphoorty
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Fusion Finance
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CreditAccess Grameen
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|---|---|---|---|
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Operational Metrics
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Banks
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Net Interest Margin
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11.1 % | 10.85 % | 13.9 % |
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Yield On Advances
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22.4 % | 21.2 % | n/a |
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NBFC
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Cost To Income Ratio
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115.4 % | 70.2 % | 32.3 % |
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Cost of Borrowing
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12.6 % | 10.3 % | 9.4 % |
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AUM - NBFC
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3948.0 Crs | 7038.0 Crs | 26566.0 Crs |
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Capital to Risks Assets Ratio (CRAR)
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40.3 % | 31.31 % | 26.4 % |
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Gross NPA
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2.6 % | n/a | 4.04 % |
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Net NPA
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0.5 % | n/a | 1.36 % |
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Financials
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5 yr Average ROE
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-3.53 % | -6.99 % | 11.59 % |
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5yr average Equity Multiplier
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2.99 | 4.63 | 4.33 |
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5yr Average Asset Turnover Ratio
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0.2 | 0.2 | 0.17 |
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5yr Avg Net Profit Margin
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-1.54 % | -0.35 % | 15.77 % |
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Price to Book
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0.99 | 1.52 | 2.78 |
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P/E
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0.0 | 0.0 | 41.1 |
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5yr Avg Cash Conversion Cycle
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0.0 | 1.38 Days | 0.0 |
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Inventory Days
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0.07 Days | 0.0 | 0.0 |
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Days Receivable
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0.0 | 1.38 Days | 0.0 |
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Days Payable
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1080.91 Days | 0.0 | 23.77 Days |
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5yr Average Interest Coverage Ratio
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0.99 | 1.1 | 1.61 |
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5yr Avg ROCE
|
6.93 % | 8.94 % | 11.98 % |
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5yr Avg Operating Profit Margin
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25.08 % | 39.71 % | 57.58 % |
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5 yr average Debt to Equity
|
1.97 | 3.55 | 3.1 |
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5yr CAGR Net Profit
|
n/a | n/a | 31.72 % |
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5yr Average Return on Assets
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-1.26 % | -1.04 % | 2.63 % |
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Shareholdings
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Promoter Holding
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48.16 % | 54.92 % | 66.28 % |
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Share Pledged by Promoters
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0.0 | 4.49 % | 0.0 |
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Change in Promoter Holding (3 Yrs)
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-14.85 % | -13.26 % | -7.43 % |
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Change in Mutual Fund Holding (3 Yrs)
|
-0.13 % | -2.48 % | 0.43 % |
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Spandana Sphoorty
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Fusion Finance
|
CreditAccess Grameen
|
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|---|---|---|---|
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Product Wise Break-Up
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Product Wise Break-Up
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-
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Product Wise Break-Up
|
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Location Wise Break-Up
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Location Wise Break-Up
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Location Wise Break-Up
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Location Wise Break-Up
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Customer Segment
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Customer Segment
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Customer Segment
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-
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Borrowings Break-Up
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Borrowings Break-Up
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Borrowings Break-Up
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Borrowings Break-Up
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AUM Break-Up - NBFC
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AUM Break-Up - NBFC
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-
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AUM Break-Up - NBFC
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