Manba Finance Ltd. benchmarking: Perfomance to industry peers

Financial

	Manba Finance	Laxmi India Finance	Yogi
Operational Metrics
Banks
Gross NPA	3.52 %	1.59 %	n/a
Net NPA	2.68 %	0.84 %	n/a
NBFC
Tier I Capital	25.17 %	31.26 %	n/a
AUM - NBFC	1500.8 Crs	1386.49 Crs	n/a
Capital to Risks Assets Ratio (CRAR)	25.17 %	31.9 %	n/a
Yield On Advances	23.9 %	22.18 %	n/a
Financials
5 yr Average ROE	12.53 %	11.79 %	-0.38 %
5yr average Equity Multiplier	4.48	4.97	2.55
5yr Average Asset Turnover Ratio	0.19	0.17	0.08
5yr Avg Net Profit Margin	15.05 %	13.74 %	0.44 %
5yr Avg Net Profit Margin	15.05 %	13.74 %	0.44 %
5yr CAGR Net Profit	42.96 %	19.7 %	n/a
5yr CAGR Sales	39.75 %	20.35 %	262.93 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.8	1.57	5.26
P/E	16.63	19.02	481.42
Shareholdings
Promoter Holding	74.98 %	60.45 %	61.09 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	0.0	13.96 %
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	0.0

	Manba Finance	Laxmi India Finance	Yogi
Product Wise Break-Up	Product Wise Break-Up Two Wheeler 89.57 Personal Loan 0.71 Three Wheeler 0.61 Used Two Wheeler 0.38 Small Business Loan 0.19 Used Car Loan 0.02 Others 8.52	-	Product Wise Break-Up Three Wheeler 0 Used Car Loan 0 Used Two Wheeler 0 Small Business Loan 0 Two Wheeler 0 Personal Loan 0 Others 100
Location Wise Break-Up	Location Wise Break-Up Maharashtra 69.4 Gujarat 24.03 Rajasthan 3.58 Chhattisgarh 2.84 Madhya Pradesh 0.15	-	-
Borrowings Break-Up	Borrowings Break-Up NBFCs and Financial Institutions 33.19 Non-Convertible Debentures 21.57 Banks 21.43 PTC 17.25 Working Capital Demand Loan 5.76 Commercial Papers 0 Others 0.8	-	-
AUM Break-Up	AUM Break-Up New Vehicle Loans 97.9 Personal Loans 0.78 Small Business Loan 0.75 Used Vehicle Loans 0.3 Others 0.27	-	-
NPA Break-Up	NPA Break-Up Two wheeler 87.21 Top-up loans 11.06 Used Two Wheeler 1.64 Three Wheeler 0.09 Small business loan 0 Personal Loans 0 Used Car 0	-	-