Cholamandalam Financial Holdings Ltd. benchmarking: Performance to industry peers

Financial

	Cholamandalam Fin.	Poonawalla Fincorp	Manappuram Finance
Operational Metrics
Unclassified
R&D as a % of Total Sales	0.65 %	n/a	n/a
Financials
5 yr Average ROE	16.54 %	7.35 %	16.74 %
5yr average Equity Multiplier	16.67	3.83	4.15
5yr Average Asset Turnover Ratio	0.15	0.12	0.18
5yr Avg Net Profit Margin	6.69 %	17.47 %	21.68 %
Price to Book	2.08	3.59	1.55
P/E	13.15	68.53	24.72
5yr Avg Cash Conversion Cycle	2.3 Days	n/a	n/a
Inventory Days	0.0	n/a	n/a
Days Receivable	2.3 Days	n/a	n/a
Days Payable	31.62 Days	n/a	n/a
5yr Average Interest Coverage Ratio	1.59	n/a	n/a
5yr Avg ROCE	10.75 %	n/a	n/a
5yr Avg Operating Profit Margin	53.24 %	n/a	n/a
5 yr average Debt to Equity	12.46	n/a	n/a
5yr CAGR Net Profit	21.39 %	n/a	n/a
5yr Average Return on Assets	0.99 %	n/a	n/a
Shareholdings
Promoter Holding	46.38 %	63.93 %	31.77 %
Share Pledged by Promoters	0.02 %	0.0	0.0
Change in Promoter Holding (3 Yrs)	-2.02 %	1.79 %	-3.43 %
Change in Mutual Fund Holding (3 Yrs)	-2.08 %	2.51 %	0.41 %

Business

	Cholamandalam Fin.	Poonawalla Fincorp	Manappuram Finance
Product Wise Break-Up	Product Wise Break-Up Interest Income 75.78 Premium income (net of re-insurance) 16.91 Fee & Commission income 5.69 Dividend 0.07 Service Income 0.01 0 0 MSME LOANS 0 Pre-owned vehicles 0 Auto Lease 0 Affordable Housing 0 MORTGAGE 0 TRACTOR 0 CONSTRUCTION EQUIPMENT 0 COMMERCIAL VEHICLE 0 CAR AND UTILITY VEHICLE 0 Others 1.54	Product Wise Break-Up Dividend 0 TRACTOR 0 0 Auto Lease 0 CONSTRUCTION EQUIPMENT 0 Pre-owned vehicles 11.0 Interest Income 0 CAR AND UTILITY VEHICLE 0 Service Income 0 COMMERCIAL VEHICLE 0 Affordable Housing 0 Small & Medium Enterprises (SME) loans 36.0 Fee & Commission income 0 0 MORTGAGE 0 Premium income (net of re-insurance) 0 Others 53.0	-
Segment Break-Up	Segment Break-Up Financial Services 78.58 Insurance 21.38 Microfinance 0 Gold loan & others 0 Others 0.04	-	Segment Break-Up Financial Services 0 Microfinance Services 12.86 Gold Loan 87.14 Insurance 0
Location Wise Break-Up	Location Wise Break-Up India 100.0 East India 0 West India 0 South India 0 North India 0	Location Wise Break-Up India 0 East India 13.0 South India 30.0 West India 31.0 North India 26.0	Location Wise Break-Up India 0 East India 10.32 South India 63.13 West India 9.72 North India 16.82 Others 0.01
Borrowings Break-Up	Borrowings Break-Up Rupee Loans 91.11 External Commercial Borrowings 5.32 Loan From Banks 3.57 Foreign Currency Loans 0 Loans repayable on demand (from banks) 0 Term loans (from banks) 0 NCDs 0 Commercial paper 0 Bank finance 0	Borrowings Break-Up NCDs 0 Loan From Banks 0 Rupee Loans 0 Loan From Banks 33.56 Commercial paper 0 Bank finance 0 Foreign Currency Loans 0 Loan From Banks 23.39 External Commercial Borrowings 0 Others 43.05	Borrowings Break-Up NCD 9.0 Loan From Banks 0 Rupee Loans 0 Term loans (from banks) 0 Commercial Papers 5.0 Banking 66.0 Foreign Currency Loans 0 Loans repayable on demand (from banks) 0 ECB 19.0 Others 1.0
Profit Before Tax	Profit Before Tax Financial Services 93.19 Insurance 6.65 Others 0.16	-	-
Asset Break-Up	Asset Break-Up Others 100	-	-

Cholamandalam Financial Holdings Ltd.

Cholamandalam Financial Holdings Ltd.

Financial

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