Religare Enterprises Ltd. benchmarking: Performance to industry peers

Financial

	Religare Enterprises	SBFC Finance	Bengal & Assam Co
Operational Metrics
Banks
Net NPA	n/a	1.54 %	n/a
Gross NPA	8.6 %	2.61 %	n/a
General Insurance
Monthly Gross Direct Premium Income (GDPI)	948.01 Crs	n/a	n/a
Risk Retention Ratio	86.0 %	n/a	n/a
Yield On Total Investments - General Insurance	5.2 %	n/a	n/a
Float	3343.65 Crs	n/a	n/a
Combined Ratio	90.0 %	n/a	n/a
NBFC
Capital to Risks Assets Ratio (CRAR)	n/a	32.84 %	543.5 %
Financials
5 yr Average ROE	280.34 %	9.03 %	18.85 %
5yr average Equity Multiplier	-34.12	3.07	2.54
5yr Average Asset Turnover Ratio	0.51	0.14	0.79
5yr Avg Net Profit Margin	0.61 %	21.84 %	15.95 %
Price to Book	3.22	2.7	0.69
P/E	109.01	22.3	8.93
5yr Avg Cash Conversion Cycle	5.76 Days	4.55 Days	n/a
Inventory Days	0.08 Days	0.0	n/a
Days Receivable	5.62 Days	4.55 Days	n/a
Days Payable	41.47 Days	0.0	n/a
5yr Average Interest Coverage Ratio	3.18	1.67	n/a
5yr Avg ROCE	5.8 %	8.66 %	n/a
5yr Avg Operating Profit Margin	-0.45 %	64.91 %	n/a
5 yr average Debt to Equity	-21.64	1.96	n/a
5yr CAGR Net Profit	n/a	29.73 %	n/a
5yr Average Return on Assets	3.82 %	2.39 %	n/a
Shareholdings
Promoter Holding	30.27 %	52.35 %	72.87 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	30.27 %	-11.7 %	0.21 %
Change in Mutual Fund Holding (3 Yrs)	2.78 %	4.98 %	0.0

	Religare Enterprises	SBFC Finance	Bengal & Assam Co
Segment Break-Up	Segment Break-Up Insurance 93.29 Broking 3.48 Investment services 2.61 E-Goverance 0.62 Financial Advisory Services 0	-	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0 International 0 Domestic 0	-	Location Wise Break-Up Rest of the World 0 India 0 International 20.6 Domestic 79.4
Operating Profit Break-Up	Operating Profit Break-Up Investment and Financing Activities 69.07 Insurance 24.45 Broking Related Activities 5.85 E-Goverance 0.63 Financial Advisory Services 0	-	-
Borrowings Break-Up	Borrowings Break-Up Secured 92.77 Un Secured 7.23	-	-
Premium Break-Up - General Insurance	Premium Break-Up - General Insurance Health 95.87 PERSONAL ACCIDENT 2.95 Others 1.18	-	-
Asset Break-Up - Segment Wise	Asset Break-Up - Segment Wise Insurance 83.33 Broking Related Activities 9.37 Investment and Financing Activities 7.12 E-Goverance 0.18 Financial Advisory Services 0	-	-