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	4.65 %	6.6 %	8.6 %
Yield On Advances	12.84 %	n/a	17.2 %
Capital to Risks Assets Ratio (CRAR)	58.13 %	38.3 %	41.4 %
Tier I Capital	56.9 %	30.7 %	28.46 %
NBFC
AUM - NBFC	2101.76 Crs	5508.2 Crs	7692.0 Crs
Cost of Borrowing	9.75 %	n/a	10.3 %
Gross NPA	0.38 %	0.83 %	4.06 %
Net NPA	0.0	0.66 %	1.76 %
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	2.66	1.84	0.88
P/E	26.62	14.5	5.86
Shareholdings
Promoter Holding	3.85 %	41.75 %	70.39 %
Share Pledged by Promoters	0.0	21.73 %	0.0
Change in Promoter Holding (3 Yrs)	-14.09 %	-4.17 %	-18.82 %
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 84.61 Fee & Commission income 9.49 Net gain on fair value changes 5.89 Dividend income 0 Financing activities (NBFC) 0 Fees and Commission Income 0 0 0 0 Interest on loans - Loan portfolio 0 Others 0.01	Product Wise Break-Up Interest on loans - Loan portfolio 0 Net gain on fair value changes 0 Fees and Commission Income 0 NBFC 100.0 Fee & Commission income 0 Interest Income 0 Dividend income 0 0 0 0	Product Wise Break-Up Interest Income 90.96 Net gain on fair value changes 0 Fees and Commission Income 7.24 Financing activities (NBFC) 0 Fee & Commission income 0 Interest Income 0 Dividend income 0 0 Net gain on fair value changes 1.8 0
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 54.0 Social Infrastructure 6.0 Others 40.0	-	-
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
Asset Break-Up - Geography Wise	Asset Break-Up - Geography Wise Others 100	-	-