PTC India Financial Services Ltd. benchmarking: Perfomance to industry peers

Financial

	PTC India Fin. Serv	Spandana Sphoorty	Mufin Green Finance
Operational Metrics
Banks
Net Interest Margin	4.39 %	11.1 %	n/a
Capital to Risks Assets Ratio (CRAR)	71.21 %	40.3 %	n/a
Tier I Capital	58.12 %	n/a	n/a
NBFC
Cost To Income Ratio	20.0 %	115.4 %	n/a
Cost of Borrowing	9.45 %	12.6 %	n/a
Gross NPA	8.46 %	2.6 %	n/a
Net NPA	4.74 %	0.5 %	n/a
Financials
5 yr Average ROE	5.67 %	-3.53 %	6.38 %
5yr average Equity Multiplier	3.6	2.99	3.4
5yr Average Asset Turnover Ratio	0.1	0.2	0.13
5yr Avg Net Profit Margin	18.7 %	-1.54 %	16.92 %
5yr Avg Net Profit Margin	18.7 %	-1.54 %	n/a
5yr CAGR Net Profit	53.34 %	n/a	n/a
5yr CAGR Sales	-10.66 %	10.32 %	n/a
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	0.69	0.99	6.21
P/E	6.2	0.0	105.56
Shareholdings
Promoter Holding	64.99 %	48.16 %	54.11 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-14.85 %	-4.07 %
Change in Mutual Fund Holding (3 Yrs)	2.11 %	-0.13 %	0.0

Business

	PTC India Fin. Serv	Spandana Sphoorty	Mufin Green Finance
Product Wise Break-Up	Product Wise Break-Up Interest Income 90.41 Sale of power 0.65 Fee and commission income 0.07 nbfc 0 Net gain on fair value changes 0 Commission income 0 Interest income 0 Financing and Investing activities 0 Others 8.87	Product Wise Break-Up nbfc 0 Interest Income 0 Financing and Investing activities 0 Net gain on fair value changes 3.85 Interest Income 92.31 Sale of power 0 Commission income 0 Fee and commission income 0 Others 3.84	Product Wise Break-Up nbfc 0 Interest Income 0 Financing and Investing activities 100.0 Net gain on fair value changes 0 Interest income 0 Sale of power 0 Commission income 0 Fee and commission income 0
Loan Break-Up	Loan Break-Up Power 33.0 Renewable Energy 26.0 Thermal Projects 12.0 Transmission 9.0 Road 5.0 INFRA 3.0 Hydro 0 Others 12.0	-	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0 Chattisgarh 0 Rajasthan 0 Bihar 0 Gujarat 0 Kerala 0 Jharkhand 0 Andhra Pradesh 0 Maharashtra 0 Karnataka 0 Madhya Pradesh 0 Odisha 0 Domestic 0	Location Wise Break-Up Rest of the World 0 Chattisgarh 5.0 India 0 Bihar 13.0 Karnataka 7.0 Jharkhand 6.0 Gujarat 2.0 Maharashtra 7.0 Madhya Pradesh 15.0 Kerala 0 Rajasthan 3.0 Domestic 0 Odisha 13.0 Andhra Pradesh 11.0 Others 18.0	Location Wise Break-Up Rest of the World 0 Chattisgarh 0 India 0 Bihar 0 Karnataka 0 Jharkhand 0 Gujarat 0 Maharashtra 0 Madhya Pradesh 0 Kerala 0 Rajasthan 0 India 100.0 Odisha 0 Andhra Pradesh 0
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 98.84 ECB 0.58 Commercial Papers 0 Bonds/Debentures 0 Cash credit from bank 0 0 Indian rupee loan from banks 0 Others 0.58	Borrowings Break-Up Loan From Banks 60.92 ECB 0 Commercial Papers 0 0 Loan From Banks 0 Cash credit from bank 0 Bonds/Debentures 0 Others 39.08	-
NPA Break-Up	NPA Break-Up Thermal and Hydro 82.0 Hydro 11.0 Others 6.0 Renewable Energy 1.0	-	-

PTC India Financial Services Ltd.

PTC India Financial Services Ltd.

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