SRG Housing Finance Ltd. benchmarking: Perfomance to industry peers

Financial

	SRG Housing	Star Housing Finance	Reliance Home Financ
Operational Metrics
Banks
Net Interest Margin	10.48 %	7.69 %	3.8 %
Capital to Risks Assets Ratio (CRAR)	42.27 %	50.55 %	-3992.56 %
Tier I Capital	0.41 %	50.11 %	-3992.56 %
NBFC
Cost To Income Ratio	64.22 %	58.47 %	35.0 %
Cost of Borrowing	10.99 %	12.78 %	9.0 %
AUM - NBFC	866.64 Crs	546.58 Crs	11857.0 Crs
Gross NPA	1.88 %	1.65 %	0.9 %
Net NPA	0.64 %	1.13 %	41.03 %
Financials
5 yr Average ROE	14.64 %	4.96 %	-878.44 %
5yr average Equity Multiplier	3.81	2.99	-48.31
5yr Average Asset Turnover Ratio	0.19	0.13	1.71
5yr Avg Net Profit Margin	20.57 %	12.04 %	-132.59 %
5yr Avg Net Profit Margin	20.57 %	12.04 %	-132.59 %
5yr CAGR Net Profit	5.31 %	48.06 %	140.45 %
5yr CAGR Sales	15.05 %	43.51 %	36.36 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.5	1.54	0.0
P/E	15.54	27.52	6.4
Shareholdings
Promoter Holding	59.11 %	18.36 %	0.74 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-5.85 %	-7.26 %	-48.84 %
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	0.0

Business

	SRG Housing	Star Housing Finance	Reliance Home Financ
Product Wise Break-Up	Product Wise Break-Up Interest Income 89.0 Net gain On Derecognition of Financial Instrument Under Amortized Cost 4.55 NBFC 0 Fees and Commission Income 0 Others 6.45	-	Product Wise Break-Up Fees and Commission Income 0 NBFC 0 Interest Income 100.0 0
Loan Break-Up	Loan Break-Up Home loans 72.95 Loan Against Property 27.05	-	-
Location Wise Break-Up	Location Wise Break-Up Rajasthan 42.8 Gujarat 38.96 Madhya Pradesh 8.02 Maharashtra 0 Tamil Nadu 0 India 0 Others 10.22	Location Wise Break-Up Madhya Pradesh 10.0 India 0 Rajasthan 8.0 Gujarat 5.0 Maharashtra 67.0 Tamil Nadu 5.0 Others 5.0	Location Wise Break-Up Madhya Pradesh 0 India 100.0 Rajasthan 0 Gujarat 0 Maharashtra 0 Tamil Nadu 0
Customer Segment	Customer Segment Self-Employed 74.38 Salaried 25.62 Self Employed 0 Residential Mortgage 0 Small Business Lending 0 Corporate Bodies 0	Customer Segment Self-Employed 0 Corporate Bodies 0 Small Business Lending 0 Salaried 15.0 Self-Employed 85.0 Residential Mortgage 0	Customer Segment Self-Employed 0 Corporate Bodies 78.21 Small & Medium Enterprises (SME) loans 9.18 Salaried 0 Self Employed 0 Home loans 12.62
Borrowings Break-Up	Borrowings Break-Up Banking 46.46 National Housing Bank 5.94 Cash Credit Facility 0 Debentures 0 0 Term loans from banks and FI`s 0 Commercial Paper 0 Cash Credit 0 Term Loan 0 Others 47.6	Borrowings Break-Up 0 Term loans from banks and FI`s 0 Term Loan 0 Cash Credit 0 Banking 0 Commercial Paper 0 National Housing Bank 0 Debentures 0 Cash Credit Facility 0 Others 100	Borrowings Break-Up 0 Term loans from banks and FI`s 0 Loan From Banks 61.76 Cash Credit 7.09 Banking 0 Commercial Papers 10.02 National Housing Bank 0 Debentures 0 Cash Credit Facility 0 Others 21.13
Segment Wise Break-Up	Segment Wise Break-Up Financing 100.0	Segment Wise Break-Up Financing 100.0	-
NPA Break-Up	NPA Break-Up Home loans 78.0 LAP 22.0	-	-
Rural vs Urban	Rural vs Urban Rural 92.08 Urban 7.92 Semi Urban 0	Rural vs Urban Rural 82.0 Urban 18.0 Semi Urban 0	-
NPA Break-Up	NPA Break-Up Home loans 78.0 LAP 22.0	-	-

SRG Housing Finance Ltd.

SRG Housing Finance Ltd.

Financial

Business

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