JIO Financial Services Ltd. benchmarking: Perfomance to industry peers

Financial

	JIO Financial Serv.	Shriram Finance	Muthoot Finance
Operational Metrics
Banks
Capital to Risks Assets Ratio (CRAR)	31.4 %	20.68 %	20.89 %
NBFC
AUM - NBFC	14712.0 Crs	281309.46 Crs	147673.0 Crs
Tier 2 Capital	0.01 %	n/a	n/a
Tier I Capital	191.08 %	19.98 %	20.15 %
Power
AUM	15980.0 Crs	n/a	n/a
Financials
5 yr Average ROE	0.65 %	13.54 %	19.57 %
5yr average Equity Multiplier	1.11	5.42	4.1
5yr Average Asset Turnover Ratio	0.41	0.14	0.16
5yr Avg Net Profit Margin	44.35 %	18.42 %	30.28 %
5yr Avg Net Profit Margin	44.35 %	18.42 %	30.28 %
5yr CAGR Net Profit	132.57 %	30.76 %	6.99 %
5yr CAGR Sales	-2.74 %	19.13 %	11.93 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.38	2.6	4.58
P/E	114.26	15.97	20.56
Shareholdings
Promoter Holding	47.12 %	25.39 %	73.35 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.35 %	-3.98 %	0.0
Change in Mutual Fund Holding (3 Yrs)	1.76 %	5.23 %	-0.92 %

	JIO Financial Serv.	Shriram Finance	Muthoot Finance
Product Wise Break-Up	Product Wise Break-Up Interest income 39.98 Dividend 27.41 Fee and Commission 14.25 Service Charges 0 Sale of Services 0 Dividend Income 0 Interest Income 0 Others 18.36	Product Wise Break-Up Fee and Commission 0 Interest income 0 Interest Income 96.97 Dividend 0 Service Charges 0 Dividend Income 0.02 Sale of Services 0 Others 3.01	Product Wise Break-Up Fee and Commission 0 Interest income 0 Interest Income 98.01 Dividend 0 Service Charges 0.76 Dividend Income 0 Sale of Services 0.1 Others 1.13
Location Wise Break-Up	Location Wise Break-Up India 100.0	Location Wise Break-Up India 100.0	Location Wise Break-Up India 100.0