Tourism Finance Corporation Of India Ltd. benchmarking: Perfomance to industry peers

Financial

	Tourism Finance Corp	Paisalo Digital	Indostar Capital Fin
Operational Metrics
Banks
Fresh Slippages - Quarterly	13.01 Crs	n/a	n/a
Net Interest Margin	6.2 %	6.5 %	7.6 %
Yield On Advances	12.97 %	n/a	17.1 %
Capital to Risks Assets Ratio (CRAR)	56.6 %	38.2 %	37.2 %
Tier I Capital	55.34 %	30.3 %	28.46 %
NBFC
AUM - NBFC	1905.91 Crs	5449.4 Crs	7564.0 Crs
Cost of Borrowing	9.65 %	n/a	10.2 %
Gross NPA	0.22 %	0.81 %	3.0 %
Net NPA	0.0	0.65 %	1.1 %
Financials
5 yr Average ROE	9.39 %	9.8 %	-3.36 %
5yr average Equity Multiplier	2.54	3.01	3.12
5yr Average Asset Turnover Ratio	0.11	0.15	0.12
5yr Avg Net Profit Margin	34.53 %	21.97 %	-8.37 %
5yr Avg Net Profit Margin	34.53 %	21.97 %	-8.37 %
5yr CAGR Net Profit	5.08 %	28.12 %	n/a
5yr CAGR Sales	-1.36 %	17.38 %	2.74 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.45	1.89	0.78
P/E	26.55	15.18	5.01
Shareholdings
Promoter Holding	3.85 %	41.16 %	72.96 %
Share Pledged by Promoters	0.0	22.71 %	0.0
Change in Promoter Holding (3 Yrs)	-12.98 %	-4.76 %	-16.25 %
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	0.0

	Tourism Finance Corp	Paisalo Digital	Indostar Capital Fin
Product Wise Break-Up	Product Wise Break-Up Interest Income 84.85 Net gain on fair value changes 7.83 Fee & Commission income 4.12 Dividend income 0 Financing activities (NBFC) 0 Fees and Commission Income 0 0 0 0 Interest on loans - Loan portfolio 0 Others 3.2	Product Wise Break-Up Interest Income 0 Fees and Commission Income 0 NBFC 100.0 0 Interest on loans - Loan portfolio 0 0 Dividend income 0 Fee & Commission income 0 Net gain on fair value changes 0 0	Product Wise Break-Up Interest Income 0 Fees and Commission Income 8.05 Financing activities (NBFC) 0 0 Interest Income 88.97 0 Dividend income 0 Fee & Commission income 0 Net gain on fair value changes 0 Net gain on fair value changes 2.97 Others 0.01
Segment Break-Up	Segment Break-Up Financing and investment business 100.0	-	Segment Break-Up Financing and investment business 0 Others 100
Loan Break-Up	Loan Break-Up Hotels 63.0 Social Infrastructure 2.0 Others 35.0	-	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0
Asset Break-Up - Geography Wise	Asset Break-Up - Geography Wise Others 100	-	-