Centrum Capital Ltd. benchmarking: Perfomance to industry peers

Financial

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

Business

	Centrum Capital	Capital India	Saraswati Commercial
Segment Break-Up	Segment Break-Up Banking 74.31 Home loans 6.61 Wealth Management 5.36 Institutional Business 5.32 SME/ Micro credit Lending 0 Foreign Exchange 0 Forex Business 0 Prepaid Payment Instrument Business 0 Lending Business 0 Others 8.4	Segment Break-Up Prepaid Payment Instrument 52.17 Banking 0 Forex Business 4.37 SME/ Micro credit Lending 0 Institutional Business 0 Foreign Exchange 0 Lending 43.46 Home loans 0 Wealth Management 0	-
Product Wise Break-Up	Product Wise Break-Up Interest Income 83.1 Broking 11.46 Consultancy Fees 0 Business Support Service Fees 0 Forex / Forex equivalents 0 Syndication, Commission & Brokerage 0 Sale Of Devices 0 Income from Forex Services 0 Fees and Commission Income 0 NBFC 0 0 Others 5.44	Product Wise Break-Up NBFC 38.55 Broking 0 Business Support Service Fees 0 NBFC 32.26 Forex / Forex equivalents 0 Syndication, Commission & Brokerage 0 0 Consultancy Fees 0 NBFC 2.24 Sale Of Devices 22.52 NBFC 0 Others 4.43	Product Wise Break-Up Interest Income 0 Broking 0 Business Support Service Fees 0 Fees and Commission Income 0 Forex / Forex equivalents 0 Syndication, Commission & Brokerage 0 Investments, trading in shares and securities & Lending Activities 100.0 Consultancy Fees 0 Income from Forex Services 0 Sale Of Devices 0 NBFC 0
Loan Break-Up	Loan Break-Up Loans & Advances from Related parties 0.02 Inter Corporate Deposits 0 Deposits 0 Joint liability group loans 0 Non Housing Loan 0 Housing Loan 0 Unsecured 0 Secured 0 Others 99.98	Loan Break-Up Loans & Advances from Related parties 0 Non Housing Loan 0 Deposits 0 Inter Corporate Deposits 0 Joint liability group loans 0 Unsecured 14.11 Secured 85.89 Housing Loan 0	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 NCR 0 MMR 0	Location Wise Break-Up MMR 0 NCR 0 India 100.0	-
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 74.86 Unsecured Loans 4.23 Loan From Banks 1.95 Intercorporate Deposits 0 Non-Convertible Debentures 0 Debentures 0 Loans & Advances from Related parties 0 Inter corporate deposits 0 Vehicle loans 0 Term loan from banks 0 Others 18.96	Borrowings Break-Up Loan From Banks 68.02 Debentures 0 Loans & Advances from Related parties 0 Non-Convertible Debentures 0 Auto loans 0.11 Inter corporate deposits 0 Unsecured Loans 0 Loan From Banks 0 Intercorporate Deposits 0 Others 31.87	-
Profit Before Tax	Profit Before Tax Banking 76.35 Housing Finance 9.77 SME / Micro Credit Lending 0 Foreign Exchange 0 Wealth Management & Distribution 0 Institutional Business 0 Forex 0 Prepaid Pending Instrument 0 Lending Business 0 Others 13.88	Profit Before Tax Banking 0 Institutional Business 0 Forex 0 Foreign Exchange 0 Prepaid Pending Instrument 0 Lending Business 100.0 SME / Micro Credit Lending 0 Housing Finance 0 Wealth Management & Distribution 0	-
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Banking 77.79 Institutional Business 6.53 Home loans 0.64 Wealth Management 0.53 SME/ Micro credit Lending 0 Foreign Exchange 0 Others 14.51	Asset Break-Up - Segment Wise Banking 0 SME/ Micro credit Lending 0 Institutional Business 0 Foreign Exchange 0 Home loans 0 Wealth Management 0 Others 100	-

Centrum Capital Ltd.

Centrum Capital Ltd.

Financial

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