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

Financial

	Tourism Finance Corp	Indostar Capital Fin	Fusion Finance
Operational Metrics
Banks
Fresh Slippages - Quarterly	13.01 Crs	n/a	n/a
Net Interest Margin	6.43 %	7.8 %	11.44 %
Yield On Advances	12.7 %	16.9 %	21.7 %
Capital to Risks Assets Ratio (CRAR)	55.53 %	36.1 %	36.46 %
Tier I Capital	54.37 %	28.46 %	20.89 %
NBFC
AUM - NBFC	2188.87 Crs	8056.0 Crs	7407.0 Crs
Cost of Borrowing	9.65 %	10.2 %	10.3 %
Gross NPA	0.37 %	4.8 %	n/a
Net NPA	0.0	2.1 %	n/a
Financials
5 yr Average ROE	9.39 %	2.83 %	7.91 %
5yr average Equity Multiplier	2.54	3.12	4.63
5yr Average Asset Turnover Ratio	0.11	0.12	0.2
5yr Avg Net Profit Margin	34.53 %	-8.37 %	-0.35 %
5yr Avg Net Profit Margin	34.53 %	-8.37 %	-0.35 %
5yr CAGR Net Profit	5.08 %	n/a	n/a
5yr CAGR Sales	-1.36 %	2.74 %	22.09 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	3.79	1.11	1.2
P/E	29.85	29.91	213.36
Shareholdings
Promoter Holding	3.85 %	70.38 %	54.18 %
Share Pledged by Promoters	0.0	0.0	2.85 %
Change in Promoter Holding (3 Yrs)	-14.11 %	-18.83 %	-14.0 %
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	-0.56 %

	Tourism Finance Corp	Indostar Capital Fin	Fusion Finance
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 Fees and Commission Income 0 0 0 0 Interest on loans - Loan portfolio 0 Others 0.01	Product Wise Break-Up 0 Interest Income 0 Net gain on fair value changes 0 0 Interest Income 90.96 Dividend income 0 Fee & Commission income 0 Fees and Commission Income 7.24 Net gain on fair value changes 1.8	-
Segment Break-Up	Segment Break-Up Financing and investment business 100.0 Micro Finance 0	Segment Break-Up Micro Finance 0 Financing and investment business 0 Others 100	Segment Break-Up Micro Finance 100.0 Financing and investment business 0
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 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	-	-