Indostar Capital Finance Ltd. benchmarking: Performance to industry peers

Financial

	Indostar Capital Fin	Fusion Finance	Tourism Finance Corp
Operational Metrics
Banks
Net Interest Margin	8.6 %	11.32 %	4.65 %
Yield On Advances	17.2 %	21.6 %	12.84 %
NBFC
Cost To Income Ratio	53.7 %	68.9 %	n/a
Cost of Borrowing	10.3 %	10.3 %	9.75 %
AUM - NBFC	7692.0 Crs	7038.0 Crs	2101.76 Crs
Capital to Risks Assets Ratio (CRAR)	41.4 %	38.8 %	58.13 %
Tier I Capital	28.46 %	20.89 %	56.9 %
Gross NPA	4.06 %	n/a	0.38 %
Net NPA	1.76 %	n/a	0.0
Financials
5 yr Average ROE	2.83 %	7.91 %	9.39 %
5yr average Equity Multiplier	3.12	4.63	2.54
5yr Average Asset Turnover Ratio	0.12	0.2	0.11
5yr Avg Net Profit Margin	-8.37 %	-0.35 %	34.53 %
5yr Avg Net Profit Margin	-8.37 %	-0.35 %	34.53 %
5yr CAGR Net Profit	n/a	n/a	5.08 %
5yr CAGR Sales	2.74 %	22.09 %	-1.36 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	0.81	1.71	3.61
P/E	5.41	0.0	28.9
Shareholdings
Promoter Holding	70.38 %	54.18 %	3.85 %
Share Pledged by Promoters	0.0	2.85 %	0.0
Change in Promoter Holding (3 Yrs)	-18.83 %	-14.0 %	-14.11 %
Change in Mutual Fund Holding (3 Yrs)	0.0	-0.56 %	0.0

Business

	Indostar Capital Fin	Fusion Finance	Tourism Finance Corp
Product Wise Break-Up	Product Wise Break-Up Interest Income 90.96 Fees and Commission Income 7.24 Net gain on fair value changes 1.8 0 0 Net gain/(loss) on fair value changes 0 Fees & commission income 0 Dividend income 0 Interest income 0	-	Product Wise Break-Up Interest Income 0 Net gain on fair value changes 0 Dividend income 0 Fee & Commission income 9.49 Interest Income 84.61 Fees and Commission Income 0 0 Net gain on fair value changes 5.89 0 Others 0.01
Segment Break-Up	Segment Break-Up Micro Finance 0 Financing and investment business 0 Others 100	Segment Break-Up Micro Finance 100.0 Financing and investment business 0	Segment Break-Up Micro Finance 0 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 Urban 0 Rural 0	Customer Segment Retail 0 Corporate 0 Rural 94.0 Urban 6.0	-
Operating Profit Break-Up	Operating Profit Break-Up Others 100	-	-
Borrowings Break-Up	Borrowings Break-Up NCD 51.0 CPs 29.0 Securitisation 11.0 Banks 0 Equity 0 Non-Convertible Debentures 0 Non-Banking Financial Institutions 0 Foreign-Bank 0 Private Sector Bank 0 Development financial Institutions 0 Public Sector Bank 0 Others 9.0	Borrowings Break-Up CPs 0 Non-Convertible Debentures 0 Development financial Institutions 6.0 Private Sector Bank 35.0 Foreign-Bank 16.0 Equity 0 Public Sector Bank 20.0 NCD 0 Non-Banking Financial Institutions 13.0 Securitisation 0 Banks 0 Others 10.0	-
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Others 100	-	-
AUM Break-Up - NBFC	AUM Break-Up - NBFC Commercial Vehicle Loans 93.02 Vehicle Finance 0 Housing Finance 0 Small Medium Enterprise (SME) Finance 0 Corporate Lending 0 Others 6.98	-	-

Indostar Capital Finance Ltd.

Indostar Capital Finance Ltd.

Financial

Business

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