IIFL Finance Ltd. benchmarking: Performance to industry peers

Financial

	IIFL Finance	Jaykay Enterprises	PNB Gilts
Operational Metrics
Banks
Net Interest Margin	10.3 %	n/a	n/a
NBFC
Cost To Income Ratio	46.4 %	n/a	n/a
Cost of Borrowing	8.97 %	n/a	6.55 %
AUM - NBFC	108180.0 Crs	n/a	n/a
Capital to Risks Assets Ratio (CRAR)	25.3 %	n/a	42.68 %
Tier I Capital	13.78 %	n/a	42.68 %
Gross NPA	1.5 %	n/a	n/a
Net NPA	0.7 %	n/a	n/a
Financials
5 yr Average ROE	13.76 %	10.4 %	13.28 %
5yr average Equity Multiplier	6.34	1.31	14.49
5yr Average Asset Turnover Ratio	0.15	0.12	0.07
5yr Avg Net Profit Margin	13.88 %	1729.48 %	14.18 %
Price to Book	1.36	4.4	0.72
P/E	11.4	66.34	6.82
5yr Avg Cash Conversion Cycle	3.75 Days	309.43 Days	n/a
Inventory Days	0.0	104.38 Days	n/a
Days Receivable	3.75 Days	376.92 Days	n/a
Days Payable	7.16 Days	110.13 Days	n/a
5yr Average Interest Coverage Ratio	1.47	123.34	n/a
5yr Avg ROCE	11.92 %	7.1 %	n/a
5yr Avg Operating Profit Margin	61.62 %	-316.55 %	n/a
5 yr average Debt to Equity	4.88	0.12	n/a
5yr CAGR Net Profit	-13.0 %	-23.05 %	n/a
5yr Average Return on Assets	2.14 %	9.14 %	n/a
Shareholdings
Promoter Holding	24.85 %	65.19 %	74.07 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	13.89 %	0.0
Change in Mutual Fund Holding (3 Yrs)	3.65 %	0.0	0.0

	IIFL Finance	Jaykay Enterprises	PNB Gilts
Segment Break-Up	Segment Break-Up Fund Based activities 97.0 Capital Markets 11.78 Financial Services 3.0	-	-
Location Wise Break-Up	Location Wise Break-Up Gujarat 16.0 Maharashtra 12.0 Karnataka 9.0 Telangana 7.0 West Bengal 7.0 Rajasthan 7.0 Uttar Pradesh 6.0 Tamil Nadu 5.0 NCR 4.0 Odisha 0 Punjab 0 Madhya Pradesh 0 Andhra Pradesh 0 Rest of the World 0 India 0 Others 27.0	-	Location Wise Break-Up Andhra Pradesh 0 Rajasthan 0 Maharashtra 0 NCR 0 Karnataka 0 Tamil Nadu 0 Madhya Pradesh 0 Punjab 0 Telangana 0 Rest of the World 0 Uttar Pradesh 0 West Bengal 0 Odisha 0 India 100.0 Gujarat 0
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 81.46 Cash Credit 11.9 Securitization liability 3.02 Commercial papers 0 CBLO 0 ICD 0 Refinance 0 Call Money 0 CP 0 LOC 0 Term Money 0 Market Repo 0 Others 3.62	-	Borrowings Break-Up LOC 0 CBLO 0 Cash Credit 0 Commercial papers 0 Market Repo 40.39 Securitization liability 0 Refinance 0 Loan From Banks 0 Loan From Banks 25.39 CP 0 ICD 0 Call Money 15.49 Others 18.73
AUM Break-Up - NBFC	AUM Break-Up - NBFC Gold Loan 44.17 Home loans 32.43 MSME loan 10.25 Microfinance Services 8.5 Capital Markets 0.54 Personal loan 0 Off Book Assets 0 Developer & Construction 0 Business Loan 0 Others 4.11	-	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 77.43 Liquid/ Money Market 8.95 Debt 6.94 Balanced schemes 6.68 ETF 0	-	-