Mahindra & Mahindra Financial Services Ltd. benchmarking: Performance to industry peers

Financial

	Mah & Mah Finl. Serv	Sundaram Finance	Poonawalla Fincorp
Operational Metrics
Asset Management
% of AUM in equity fund	80.63 %	70.76 %	n/a
5 Yr AUM CAGR - Mutual Funds	43.79 %	17.82 %	n/a
AUM - Mutual Funds	32264.5 Crs	72312.41 Crs	n/a
Banks
Net Interest Margin	7.5 %	4.8 %	11.06 %
NBFC
Gross NPA	3.4 %	1.91 %	1.44 %
Net NPA	1.4 %	1.06 %	0.74 %
Cost To Income Ratio	38.4 %	28.72 %	n/a
AUM - NBFC	134096.0 Crs	58236.0 Crs	60348.0 Crs
Capital to Risks Assets Ratio (CRAR)	18.8 %	19.1 %	16.83 %
Tier I Capital	16.7 %	16.8 %	0.0
Financials
5 yr Average ROE	8.6 %	13.8 %	7.35 %
5yr average Equity Multiplier	5.74	5.72	3.83
5yr Average Asset Turnover Ratio	0.13	0.11	0.12
5yr Avg Net Profit Margin	11.45 %	22.27 %	17.47 %
5yr Avg Net Profit Margin	11.45 %	22.27 %	17.47 %
5yr CAGR Net Profit	23.95 %	10.04 %	-29.36 %
5yr CAGR Sales	8.9 %	9.88 %	12.41 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.71	3.38	3.59
P/E	15.93	24.84	68.53
Shareholdings
Promoter Holding	52.49 %	37.21 %	63.93 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.33 %	-1.28 %	1.79 %
Change in Mutual Fund Holding (3 Yrs)	4.43 %	-7.68 %	2.51 %

Business

	Mah & Mah Finl. Serv	Sundaram Finance	Poonawalla Fincorp
Loan Break-Up	Loan Break-Up Consumer Finance 85.94 Loans under housing finance business 5.88 Small & Medium Enterprises (SME) loans 3.78 Trading 2.51 Bills of exchange 1.04 0 0 Others 0.85	-	-
Location Wise Break-Up	Location Wise Break-Up North India 33.0 East India 20.0 South India 19.0 West India 18.0 Central India 10.0	Location Wise Break-Up East India 4.1 South India 45.2 Central India 0 West India 10.9 North India 24.8 Others 15.0	Location Wise Break-Up East India 13.0 South India 30.0 Central India 0 West India 31.0 North India 26.0
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 99.95 Loans repayable on demand from banks 0.04 Loans from corporates 0 WC Loans 0 NHB 0 Comercial paper 0 Securitisation Deposits 0 Bank Borrowing 0 Debenture 0 Loans repayable on demand (from banks) 0 Term loans (from banks) 0 Others 0.01	Borrowings Break-Up Loans repayable on demand (from banks) 0 Debenture 34.4 Loan From Banks 0 NHB 0 Loans from corporates 0 Bank Borrowing 34.2 Loans repayable on demand from banks 0 Term loans (from banks) 0 WC Loans 0 Comercial paper 7.9 Securitisation 11.2 Others 12.3	Borrowings Break-Up Loan From Banks 23.39 Debenture 0 Loan From Banks 0 NHB 0 Loans from corporates 0 Bank Borrowing 0 Loans repayable on demand from banks 0 Loan From Banks 33.56 WC Loans 0 Comercial paper 0 Securitisation Deposits 0 Others 43.05
Borrowings - Geography Wise	Borrowings - Geography Wise Borrowings in India 90.06 Borrowings outside India 9.94	-	-
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Others 100	-	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 80.63 Balanced schemes 9.26 Debt 6.11 Liquid/ Money Market 3.8 ETF 0 FMP 0 Gilt 0 Others 0.2	AUM Break-Up - Asset Management Liquid/ Money Market 10.84 Balanced schemes 7.25 ETF 0 Gilt 0 FMP 0 Equity 0 Debt 7.34 Others 74.57	-
Segment Wise Break-Up	Segment Wise Break-Up Financing Activities 91.85 Others 8.15	-	-
AUM Break-Up - NBFC	AUM Break-Up - NBFC Utility Vehicles 40.21 Commercial Vehicles 17.76 Pre-owned vehicles 17.71 Tractor Segment 11.84 SME 6.2 Cars 0 Construction Equipements 0 CVs 0 Others 6.28	AUM Break-Up - NBFC Commercial Vehicles 0 Utility Vehicles 0 Pre-owned vehicles 0 Tractor Segment 0 SME 0 Construction Equipment 10.6 4 Wheeler 25.0 Commercial Vehicles 19.8 Others 44.6	-

Mahindra & Mahindra Financial Services Ltd.

Mahindra & Mahindra Financial Services Ltd.

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