Poonawalla Fincorp Ltd. benchmarking: Perfomance to industry peers

Financial

	Poonawalla Fincorp	Cholamandalam Fin.	Manappuram Finance
Operational Metrics
Banks
Net Interest Margin	11.06 %	n/a	14.8 %
NBFC
AUM - NBFC	55017.0 Crs	n/a	45789.0 Crs
Capital to Risks Assets Ratio (CRAR)	18.17 %	n/a	28.0 %
Tier I Capital	0.0	n/a	n/a
Gross NPA	1.5 %	n/a	3.0 %
Net NPA	0.8 %	n/a	2.6 %
Real Estate
Cost of Borrowing	7.65 %	n/a	9.1 %
Financials
5 yr Average ROE	2.02 %	16.54 %	16.74 %
5yr average Equity Multiplier	3.83	16.67	4.15
5yr Average Asset Turnover Ratio	0.12	0.15	0.18
5yr Avg Net Profit Margin	17.47 %	6.69 %	21.68 %
5yr Avg Net Profit Margin	17.47 %	n/a	21.68 %
5yr CAGR Net Profit	-29.36 %	n/a	-6.74 %
5yr CAGR Sales	12.41 %	n/a	9.51 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	3.25	2.26	1.86
P/E	91.75	13.88	58.04
Shareholdings
Promoter Holding	63.95 %	46.38 %	35.25 %
Share Pledged by Promoters	0.0	0.02 %	0.0
Change in Promoter Holding (3 Yrs)	1.9 %	-2.23 %	0.05 %
Change in Mutual Fund Holding (3 Yrs)	2.24 %	-4.65 %	-1.74 %

Business

	Poonawalla Fincorp	Cholamandalam Fin.	Manappuram Finance
AUM - Collateral Type	AUM - Collateral Type Movable Collateral 45.54 Hard Collateral 35.64 Unsecured 18.81 Others 0.01	-	-
Product Wise Break-Up	Product Wise Break-Up Small & Medium Enterprises (SME) loans 36.0 Pre-owned vehicles 11.0 Auto Lease 0 Affordable Housing 0 MORTGAGE 0 TRACTOR 0 CONSTRUCTION EQUIPMENT 0 COMMERCIAL VEHICLE 0 CAR AND UTILITY VEHICLE 0 Service Income 0 0 Fee & Commission income 0 Premium income (net of re-insurance) 0 0 Dividend Income 0 Interest Income 0 Others 53.0	Product Wise Break-Up TRACTOR 0 0 CONSTRUCTION EQUIPMENT 0 COMMERCIAL VEHICLE 0 Fee & Commission income 5.58 Service Income 0.01 Premium income (net of re-insurance) 17.64 Pre-owned vehicles 0 Small & Medium Enterprises (SME) loans 0 CAR AND UTILITY VEHICLE 0 0 MORTGAGE 0 Affordable Housing 0 Dividend 0.11 Auto Lease 0 Interest Income 76.12 Others 0.54	-
Location Wise Break-Up	Location Wise Break-Up West India 31.0 South India 30.0 North India 26.0 East India 13.0 India 0	Location Wise Break-Up South India 0 North India 0 East India 0 West India 0 India 100.0	Location Wise Break-Up South India 63.13 North India 16.82 East India 10.32 West India 9.72 India 0 Others 0.01
Location Wise Break-Up	Location Wise Break-Up West India 31.0 South India 30.0 North India 26.0 East India 13.0 India 0	Location Wise Break-Up South India 0 North India 0 East India 0 West India 0 India 100.0	Location Wise Break-Up South India 63.13 North India 16.82 East India 10.32 West India 9.72 India 0 Others 0.01
Customer Segment	Customer Segment S/E Formal 41.0 Salaried 27.0 S/E Formal 27.0 Salaried 5.0	-	-
Distribution Channel	Distribution Channel Agency & Others 42.0 Corporate Biz 22.0 OEM 15.0 Corporate Agent 10.0 Banca 8.0 e-Sales 3.0 Sales-Health 0	-	-
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 33.56 Loan From Banks 23.39 Loan repayable on demand - Secured 0 External Commercial Borrowings 0 Foreign Currency Loans 0 Rupee Loans 0 NCDs 0 Commercial paper 0 Bank finance 0 Others 43.05	Borrowings Break-Up Rupee Loans 91.11 Loan From Banks 3.57 Loan From Banks 0 Bank finance 0 External Commercial Borrowings 5.32 NCDs 0 Foreign Currency Loans 0 Commercial paper 0	Borrowings Break-Up Rupee Loans 0 Loan repayable on demand - Secured 0 Loan From Banks 0 Banking 66.0 ECB 19.0 NCD 9.0 Foreign Currency Loans 0 Commercial Papers 5.0 Others 1.0
Premium Break-Up - General Insurance	Premium Break-Up - General Insurance Motors 85.15 Health Insurance 8.75 Fire Equipment 5.09 PERSONAL ACCIDENT 0.42 Crop Insurance 0 Commercial Insurance 0 Others 0.59	-	-
AUM Mix- On and Off Book	AUM Mix- On and Off Book On Book 91.0 Off Book 9.0	-	-
Rural vs Urban	Rural vs Urban Semi-urban 42.0 Urban 33.0 Rural 25.0	-	-

Poonawalla Fincorp Ltd.

Poonawalla Fincorp Ltd.

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