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

Financial

	Tourism Finance Corp	Paisalo Digital	Fusion Finance
Operational Metrics
Banks
Fresh Slippages - Quarterly	13.01 Crs	n/a	n/a
Net Interest Margin	6.2 %	6.5 %	10.85 %
Yield On Advances	12.97 %	n/a	21.2 %
Capital to Risks Assets Ratio (CRAR)	56.6 %	38.2 %	31.31 %
Tier I Capital	55.34 %	30.3 %	20.89 %
NBFC
AUM - NBFC	1905.91 Crs	5449.4 Crs	7038.0 Crs
Cost of Borrowing	9.65 %	n/a	10.3 %
Gross NPA	0.22 %	0.81 %	n/a
Net NPA	0.0	0.65 %	n/a
Financials
5 yr Average ROE	9.39 %	9.8 %	-6.99 %
5yr average Equity Multiplier	2.54	3.01	4.63
5yr Average Asset Turnover Ratio	0.11	0.15	0.2
5yr Avg Net Profit Margin	34.53 %	21.97 %	-0.35 %
5yr Avg Net Profit Margin	34.53 %	21.97 %	-0.35 %
5yr CAGR Net Profit	5.08 %	28.12 %	n/a
5yr CAGR Sales	-1.36 %	17.38 %	22.09 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.55	1.91	1.41
P/E	27.6	15.37	0.0
Shareholdings
Promoter Holding	3.85 %	41.16 %	54.95 %
Share Pledged by Promoters	0.0	22.71 %	4.49 %
Change in Promoter Holding (3 Yrs)	-14.09 %	-4.76 %	-13.23 %
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	-2.38 %

	Tourism Finance Corp	Paisalo Digital	Fusion Finance
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 Others 3.2	Product Wise Break-Up Interest Income 0 NBFC 100.0 Dividend income 0 Net gain on fair value changes 0 Fee & Commission income 0	-
Segment Break-Up	Segment Break-Up Financing and investment business 100.0 Micro Finance 0	-	Segment Break-Up Micro Finance 100.0 Financing and investment business 0
Loan Break-Up	Loan Break-Up Hotels 60.0 Social Infrastructure 1.0 Others 39.0	-	-
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	-	-