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

Financial

	PTC India Fin. Serv	Arman Financial Serv	Mufin Green Finance
Operational Metrics
Banks
Net Interest Margin	4.75 %	16.6 %	n/a
Capital to Risks Assets Ratio (CRAR)	66.63 %	n/a	n/a
Tier I Capital	58.12 %	n/a	n/a
NBFC
Cost To Income Ratio	14.78 %	49.9 %	n/a
Cost of Borrowing	9.37 %	n/a	n/a
Gross NPA	8.46 %	3.4 %	n/a
Net NPA	4.74 %	0.8 %	n/a
Financials
5 yr Average ROE	5.67 %	14.71 %	6.38 %
5yr average Equity Multiplier	3.6	4.5	3.4
5yr Average Asset Turnover Ratio	0.1	0.24	0.13
5yr Avg Net Profit Margin	18.7 %	14.89 %	16.92 %
5yr Avg Net Profit Margin	18.7 %	14.89 %	n/a
5yr CAGR Net Profit	53.34 %	37.43 %	n/a
5yr CAGR Sales	-10.66 %	30.12 %	n/a
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	0.63	2.13	5.82
P/E	6.07	65.63	93.27
Shareholdings
Promoter Holding	64.99 %	22.0 %	47.3 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-5.31 %	-10.88 %
Change in Mutual Fund Holding (3 Yrs)	2.64 %	0.59 %	0.0

Business

	PTC India Fin. Serv	Arman Financial Serv	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 Fees and Commission Income 0 Gain on Assignment of Financial Assets 0 0 nbfc 0 Financing and Investing activities 0 Others 8.87	Product Wise Break-Up NBFC 4.0 Interest Income 0 Fee and commission income 0 NBFC 88.53 Financing and Investing activities 0 NBFC 6.22 nbfc 0 Sale of power 0 Others 1.25	Product Wise Break-Up Gain on Assignment of Financial Assets 0 Interest Income 0 Fee and commission income 0 0 Financing and Investing activities 100.0 Fees and Commission Income 0 nbfc 0 Sale of power 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 Bihar 0 Rajasthan 0 Maharashtra 0 Madhya Pradesh 0 Uttar Pradesh 0 Gujarat 0 Domestic 0	Location Wise Break-Up India 0 Maharashtra 4.0 Uttar Pradesh 21.0 Rajasthan 9.0 Madhya Pradesh 16.0 Gujarat 30.0 Domestic 0 Bihar 11.0 Rest of the World 0 Others 9.0	Location Wise Break-Up India 0 Maharashtra 0 Uttar Pradesh 0 Rajasthan 0 Madhya Pradesh 0 Gujarat 0 India 100.0 Bihar 0 Rest of the World 0
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 98.84 ECB 0.58 Commercial Papers 0 Bonds/Debentures 0 Securitization 0 DFIs (NABARD, MUDRA & SIDBI) 0 D A 0 ECB 0 NCD 0 NBFC / FI 0 0 Working Capital Loans From Banks 0 From Banks 0 Others 0.58	Borrowings Break-Up Commercial Papers 0 Loan From Banks 0 D A 24.8 DFIs (NABARD, MUDRA & SIDBI) 0 Bonds/Debentures 0 Loan From Banks 23.8 NCD 28.3 ECB 0 Securitization 3.1 0 Working Capital Loans From Banks 0 NBFC / FI 18.2 Others 1.8	-
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.

Financial

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