Indostar Capital Finance Ltd. benchmarking: Perfomance to industry peers

Financial

	Indostar Capital Fin	Paisalo Digital	Tourism Finance Corp
Operational Metrics
Banks
Net Interest Margin	7.6 %	6.5 %	6.2 %
Yield On Advances	17.1 %	n/a	12.97 %
NBFC
Cost To Income Ratio	53.7 %	n/a	n/a
Cost of Borrowing	10.2 %	n/a	9.65 %
AUM - NBFC	7564.0 Crs	5449.4 Crs	1905.91 Crs
Capital to Risks Assets Ratio (CRAR)	37.2 %	38.2 %	56.6 %
Tier I Capital	28.46 %	30.3 %	55.34 %
Gross NPA	3.0 %	0.81 %	0.22 %
Net NPA	1.1 %	0.65 %	0.0
Financials
5 yr Average ROE	-3.36 %	9.8 %	9.39 %
5yr average Equity Multiplier	3.12	3.01	2.54
5yr Average Asset Turnover Ratio	0.12	0.15	0.11
5yr Avg Net Profit Margin	-8.37 %	21.97 %	34.53 %
5yr Avg Net Profit Margin	-8.37 %	21.97 %	34.53 %
5yr CAGR Net Profit	n/a	28.12 %	5.08 %
5yr CAGR Sales	2.74 %	17.38 %	-1.36 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	0.93	2.04	2.5
P/E	5.97	16.4	27.06
Shareholdings
Promoter Holding	72.96 %	41.16 %	3.85 %
Share Pledged by Promoters	0.0	22.71 %	0.0
Change in Promoter Holding (3 Yrs)	-16.25 %	-4.76 %	-12.98 %
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	0.0

Business

	Indostar Capital Fin	Paisalo Digital	Tourism Finance Corp
Product Wise Break-Up	Product Wise Break-Up Interest Income 88.97 Fees and Commission Income 8.05 Net gain on fair value changes 2.97 0 0 Financing activities (NBFC) 0 Net gain/(loss) on fair value changes 0 Fees & commission income 0 Dividend income 0 Interest income 0 Others 0.01	Product Wise Break-Up Net gain on fair value changes 0 Fees and Commission Income 0 Dividend income 0 0 Net gain/(loss) on fair value changes 0 Fees & commission income 0 Interest income 0 Interest Income 0 0 NBFC 100.0	Product Wise Break-Up Net gain on fair value changes 0 Fees and Commission Income 0 Dividend income 0 0 Net gain on fair value changes 7.83 Fee & Commission income 4.12 Interest Income 84.85 Interest Income 0 0 Financing activities (NBFC) 0 Others 3.2
Segment Break-Up	Segment Break-Up Financing and investment business 0 Others 100	-	Segment Break-Up Financing and investment business 100.0
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
Customer Segment	Customer Segment Corporate 99.0 Retail 1.0	-	-
Operating Profit Break-Up	Operating Profit Break-Up Others 100	-	-
Borrowings Break-Up	Borrowings Break-Up NCD 45.0 CPs 27.0 Securitisation 13.0 Banking 11.0 Equity 0 Loans repayable on demand 0 Loans from related parties 0 Term loans 0 Others 4.0	Borrowings Break-Up Securitisation 0 CPs 0 Equity 0 Loans repayable on demand from banks 18.32 Loan From Banks 81.68 Banking 0 Loans from related parties 0 NCD 0	-
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Others 100	-	-
AUM Break-Up - NBFC	AUM Break-Up - NBFC Commercial Vehicle Loans 93.0 Vehicle Finance 0 Housing Finance 0 Small Medium Enterprise (SME) Finance 0 Corporate Lending 0 Others 7.0	-	-

Indostar Capital Finance Ltd.

Indostar Capital Finance Ltd.

Financial

Business

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