Mangal Credit and Fincorp Ltd. benchmarking: Performance to industry peers

Financial

	Mangal Credit & Fin	CSL Finance	Dhunseri Investments
Operational Metrics
Banks
Gross NPA	1.31 %	n/a	n/a
Net NPA	0.75 %	n/a	n/a
NBFC
Tier I Capital	n/a	n/a	n/a
AUM - NBFC	228.7 Crs	1395.0 Crs	n/a
Capital to Risks Assets Ratio (CRAR)	47.0 %	43.28 %	n/a
Financials
5 yr Average ROE	6.07 %	12.05 %	6.91 %
5yr average Equity Multiplier	3.73	1.9	1.63
5yr Average Asset Turnover Ratio	0.59	0.16	0.09
5yr Avg Net Profit Margin	4.34 %	40.03 %	54.28 %
5yr Avg Net Profit Margin	4.34 %	40.03 %	n/a
5yr CAGR Net Profit	29.61 %	21.23 %	n/a
5yr CAGR Sales	-15.27 %	28.42 %	n/a
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.85	0.83	0.19
P/E	32.2	5.96	28.66
Shareholdings
Promoter Holding	55.25 %	47.66 %	74.95 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.11 %	-3.68 %	0.0
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	0.0

	Mangal Credit & Fin	CSL Finance	Dhunseri Investments
Product Wise Break-Up	Product Wise Break-Up NBFC 100.0 Fees & Commission Income 0 Loans written off earlier now recovered 0 Processing Fees Wholesale 0 Processing Fees SME 0 Processing Fees Retail 0 Interest 0 Flexible Packaging Film 0 Tea Mfg Operations 0 Trading 0 Food and Beverages 0 Investments in Shares and Securities 0 Treasury Operations 0	Product Wise Break-Up Tea Mfg Operations 0 Interest Income 95.52 Processing Fees Retail 0 Trading 0 Flexible Packaging Film 0 Processing Fees Wholesale 0 Food and Beverages 0 NBFC 0 Treasury Operations 0 Investments in Shares and Securities 0 Fee Income 3.0 Processing Fees SME 0 Loans written off earlier now recovered 1.47 Others 0.01	Product Wise Break-Up Tea Mfg Operations 0 Interest 0 Processing Fees Retail 0 Trading 0 Flexible Packaging Film 86.41 Processing Fees Wholesale 0 Food and Beverages 3.47 NBFC 0 Treasury Operations 10.12 Investments in Shares and Securities 0 Fees & Commission Income 0 Processing Fees SME 0 Loans written off earlier now recovered 0