Northern ARC Capital Ltd. benchmarking: Perfomance to industry peers

Financial

	Northern ARC Capital	Indostar Capital Fin	Sindhu Trade Links
Operational Metrics
Banks
Net NPA	0.56 %	n/a	n/a
Gross NPA	1.15 %	n/a	n/a
Net Interest Margin	9.3 %	7.6 %	n/a
Building Materials
Cost of Borrowing	8.5 %	10.2 %	n/a
NBFC
AUM - NBFC	14166.0 Crs	7564.0 Crs	n/a
Tier I Capital	23.48 %	28.46 %	n/a
Yield On Advances	16.3 %	17.1 %	n/a
Capital to Risks Assets Ratio (CRAR)	24.72 %	37.2 %	n/a
Financials
5 yr Average ROE	9.63 %	-3.36 %	0.33 %
5yr average Equity Multiplier	4.38	3.12	3.24
5yr Average Asset Turnover Ratio	0.14	0.12	0.33
5yr Avg Net Profit Margin	15.16 %	-8.37 %	0.02 %
5yr Avg Net Profit Margin	15.16 %	-8.37 %	0.02 %
5yr CAGR Net Profit	35.16 %	n/a	n/a
5yr CAGR Sales	32.52 %	2.74 %	19.0 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.13	0.89	2.13
P/E	14.51	5.76	0.0
Shareholdings
Promoter Holding	0.0	72.96 %	74.97 %
Share Pledged by Promoters	0.0	0.0	0.28 %
Change in Promoter Holding (3 Yrs)	0.0	-16.25 %	0.0
Change in Mutual Fund Holding (3 Yrs)	0.6 %	0.0	0.0

	Northern ARC Capital	Indostar Capital Fin	Sindhu Trade Links
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	Segment Break-Up Financing Activity 0 Investment Management services 0 Portfolio Management Services 0 Investment Advisory Services 0 Others 100	-
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	Asset Break-Up - Segment Wise Financing Activity 0 Investment Management services 0 Portfolio Management Services 0 Investment Advisory Services 0 Others 100	-