Northern ARC Capital Ltd. benchmarking: Perfomance to industry peers

Financial

	Northern ARC Capital	Sindhu Trade Links	Paisalo Digital
Operational Metrics
Banks
Net NPA	0.69 %	n/a	n/a
Gross NPA	1.36 %	n/a	n/a
Net Interest Margin	9.9 %	n/a	6.5 %
Building Materials
Cost of Borrowing	8.5 %	n/a	n/a
NBFC
AUM - NBFC	15121.0 Crs	n/a	5449.4 Crs
Tier I Capital	23.48 %	n/a	30.3 %
Yield On Advances	17.1 %	n/a	n/a
Capital to Risks Assets Ratio (CRAR)	24.72 %	n/a	38.2 %
Financials
5 yr Average ROE	9.63 %	0.33 %	9.8 %
5yr average Equity Multiplier	4.38	3.24	3.01
5yr Average Asset Turnover Ratio	0.14	0.33	0.15
5yr Avg Net Profit Margin	15.16 %	0.02 %	21.97 %
5yr Avg Net Profit Margin	15.16 %	0.02 %	21.97 %
5yr CAGR Net Profit	35.16 %	n/a	28.12 %
5yr CAGR Sales	32.52 %	19.0 %	17.38 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.07	1.97	1.84
P/E	12.55	0.0	14.79
Shareholdings
Promoter Holding	0.0	74.97 %	41.75 %
Share Pledged by Promoters	0.0	0.28 %	21.73 %
Change in Promoter Holding (3 Yrs)	0.0	0.0	-4.17 %
Change in Mutual Fund Holding (3 Yrs)	0.65 %	0.0	0.0

	Northern ARC Capital	Sindhu Trade Links	Paisalo Digital
Segment Break-Up	Segment Break-Up Financing Activity 92.14 Investment Management services 1.78 Portfolio Management Services 0.82 Investment Advisory Services 0 Others 5.26	-	-
Borrowing Break-Up - NBFC	Borrowing Break-Up - NBFC Banks 67.93 Offshore financial institutions 15.92 NBFCs 9.04 Domestic DFIs 4.27 Domestic retail/HNIs 2.84 Domestic capital markets 0	-	-
AUM Break-Up	AUM Break-Up MSME 39.8 Consumer finance 26.58 MFI 23.16 Vehicle finance 6.2 Affordable housing finance 2.88 Agriculture Loan 1.39	-	-
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Financing Activity 97.96 Investment Management services 1.41 Investment Advisory Services 0.03 Portfolio Management Services 0 Others 0.6	-	-