Capital India Finance Ltd. benchmarking: Perfomance to industry peers

Financial

	Capital India	Centrum Capital	Saraswati Commercial
Operational Metrics
Banks
Gross NPA	0.98 %	n/a	n/a
Unclassified
Average Ticket Size - NBFC	2300.0 Ths	n/a	n/a
Financials
5 yr Average ROE	-0.7 %	-29.84 %	9.19 %
5yr average Equity Multiplier	2.64	31.55	1.13
5yr Average Asset Turnover Ratio	0.34	0.12	0.15
5yr Avg Net Profit Margin	-0.38 %	-11.22 %	54.2 %
Price to Book	2.06	2.95	1.32
P/E	32.83	0.0	65.94
5yr Avg Cash Conversion Cycle	-8458.38 Days	-528.36 Days	n/a
Inventory Days	0.87 Days	0.0	n/a
Days Receivable	5.59 Days	5.31 Days	n/a
Days Payable	3138.69 Days	551.36 Days	n/a
5yr Average Interest Coverage Ratio	0.84	0.76	n/a
5yr Avg ROCE	5.38 %	7.2 %	n/a
5yr Avg Operating Profit Margin	13.94 %	5.08 %	n/a
5 yr average Debt to Equity	1.23	20.71	n/a
5yr CAGR Net Profit	-30.56 %	31.95 %	n/a
5yr Average Return on Assets	-0.17 %	-1.14 %	n/a
Shareholdings
Promoter Holding	72.84 %	34.84 %	73.99 %
Share Pledged by Promoters	0.0	49.9 %	0.0
Change in Promoter Holding (3 Yrs)	-0.2 %	-3.39 %	1.67 %
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	0.0

Business

	Capital India	Centrum Capital	Saraswati Commercial
Loan Break-Up	Loan Break-Up Secured 85.89 Unsecured 14.11 Inter Corporate Deposits 0 Loans and Advances to Related Parties 0 Deposits 0 Joint liability group loans 0 Non Housing Loan 0 Housing Loan 0	Loan Break-Up Secured 0 Unsecured 0 Non Housing Loan 0 Loans & Advances from Related parties 0.02 Joint liability group loans 0 Inter Corporate Deposits 0 Housing Loan 0 Deposits 0 Others 99.98	-
Product Wise Break-Up	Product Wise Break-Up NBFC 38.55 NBFC 32.26 Sale Of Devices 22.52 NBFC 2.24 NBFC 0 Consultancy Fees 0 Brokerage & Commission 0 Business Support Service Fees 0 Forex / Forex equivalents 0 Syndication, Commission & Brokerage 0 0 Others 4.43	Product Wise Break-Up Broking 11.46 NBFC 0 Syndication, Commission & Brokerage 0 Business Support Service Fees 0 0 Forex / Forex equivalents 0 Sale Of Devices 0 Consultancy Fees 0 Others 88.54	Product Wise Break-Up Brokerage & Commission 0 NBFC 0 Syndication, Commission & Brokerage 0 Business Support Service Fees 0 Investments, trading in shares and securities & Lending Activities 100.0 Forex / Forex equivalents 0 Sale Of Devices 0 Consultancy Fees 0
Segment Break-Up	Segment Break-Up Prepaid Payment Instrument 52.17 Lending 43.46 Forex Business 4.37 Banking 0 SME/ Micro credit Lending 0 Housing Finance 0 Foreign Exchange 0 Wealth Management & Distribution 0 Institutional Business 0	Segment Break-Up Forex Business 0 Institutional Business 5.32 Foreign Exchange 0 Wealth Management 5.36 Lending 0 Home loans 6.61 Prepaid Payment Instrument 0 SME/ Micro credit Lending 0 Banking 74.31 Others 8.4	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 NCR 0 MMR 0	Location Wise Break-Up India 100.0 NCR 0 MMR 0	-
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 68.02 Auto loans 0.11 Inter corporate deposits 0 Loans From Banks repayable on demand 0 Intercorporate Deposits 0 Unsecured Loans 0 Term Loans - From Banks 0 Non-Convertible Debentures 0 Debentures 0 Loans & Advances from Related parties 0 Others 31.87	Borrowings Break-Up Unsecured Loans 4.23 Inter corporate deposits 0 Loans & Advances from Related parties 0 Intercorporate Deposits 0 Loan From Banks 1.95 Loan From Banks 74.86 Auto loans 0 Loan From Banks 0 Non-Convertible Debentures 0 Debentures 0 Others 18.96	-
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Banking 0 SME/ Micro credit Lending 0 Housing Finance 0 Foreign Exchange 0 Wealth Management & Distribution 0 Institutional Business 0 Others 100	Asset Break-Up - Segment Wise Institutional Business 6.53 Foreign Exchange 0 Wealth Management 0.53 Home loans 0.64 SME/ Micro credit Lending 0 Banking 77.79 Others 14.51	-
Profit Before Tax	Profit Before Tax Lending Business 100.0 Forex 0 Prepaid Pending Instrument 0 Banking 0 SME / Micro Credit Lending 0 Housing Finance 0 Foreign Exchange 0 Wealth Management & Distribution 0 Institutional Business 0	Profit Before Tax Institutional Business 0 Foreign Exchange 0 Wealth Management & Distribution 0 Housing Finance 9.77 SME / Micro Credit Lending 0 Forex 0 Prepaid Pending Instrument 0 Banking 76.35 Lending Business 0 Others 13.88	-
AUM Break-Up - NBFC	AUM Break-Up - NBFC Small & Medium Enterprises (SME) loans 85.0 Mid-Corporates 11.0 Others 4.0	-	-

Capital India Finance Ltd.

Capital India Finance Ltd.

Financial

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