Satin Creditcare Network Ltd. benchmarking: Perfomance to industry peers

Financial

	Satin Creditcare	Arman Financial Serv	Finkurve Financial
Operational Metrics
NBFC
Gross NPA	3.5 %	3.7 %	n/a
AUM - NBFC	12687.0 Crs	2130.0 Crs	n/a
Capital to Risks Assets Ratio (CRAR)	26.3 %	n/a	47.14 %
Cost To Income Ratio	52.72 %	48.7 %	n/a
Net NPA	1.2 %	0.5 %	n/a
Number of Clients - NBFC	33.0 Lacs	n/a	n/a
Retail
Average Ticket Size	58000.0 Rs	n/a	n/a
Financials
5 yr Average ROE	5.23 %	14.71 %	7.37 %
5yr average Equity Multiplier	4.77	4.5	4.01
5yr Average Asset Turnover Ratio	0.2	0.24	1.28
5yr Avg Net Profit Margin	5.49 %	14.89 %	13.72 %
5yr Avg Net Profit Margin	5.49 %	14.89 %	13.72 %
5yr CAGR Net Profit	n/a	37.43 %	58.52 %
5yr CAGR Sales	13.58 %	30.12 %	-28.16 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	0.6	1.73	6.79
P/E	11.73	0.0	68.18
Shareholdings
Promoter Holding	36.17 %	22.0 %	56.26 %
Share Pledged by Promoters	0.0	0.0	19.04 %
Change in Promoter Holding (3 Yrs)	-3.8 %	-5.36 %	3.4 %
Change in Mutual Fund Holding (3 Yrs)	-2.17 %	2.06 %	0.0

Business

	Satin Creditcare	Arman Financial Serv	Finkurve Financial
Product Wise Break-Up	Product Wise Break-Up Interest income 78.77 Gain from derecognition of financial instrument 8.9 Fees and Commission 0.96 Dividend Income 0 MSME 0 Service/ Trade (ex. MSME) 0 Production 0 Agri/ Allied Activities 0 Gain on Assignment of Financial Assets 0 0 nbfc 0 Fee and Commission 0 Remittance Bank Charses Received 0 Income from forex services 0 0 Others 11.37	Product Wise Break-Up Fee and Commission 0 NBFC 7.59 0 Service/ Trade (ex. MSME) 0 Dividend Income 0 NBFC 86.84 Income from forex services 0 Production 0 Agri/ Allied Activities 0 MSME 0 nbfc 0 Fees and Commission 0 Remittance Bank Charses Received 0 Interest income 0 0 Others 5.57	Product Wise Break-Up Fee and Commission 28.9 Gain on Assignment of Financial Assets 0 Interest Income 70.81 Service/ Trade (ex. MSME) 0 Dividend Income 0 0 Income from forex services 0 Production 0 Agri/ Allied Activities 0 MSME 0 nbfc 0 Fees and Commission 0 Remittance Bank Charses Received 0 Interest income 0 0 Others 0.29
Borrowing Break-Up - NBFC	Borrowing Break-Up - NBFC Loan From Banks 71.76 External Commercial Borrowings 14.85 Liability against securitized assets 10.25 Liability against leased assets 0.34 0 Banks 0 Commercial paper 0 Non-convertible debentures 0 Others 2.8	-	-
Location Wise Break-Up	Location Wise Break-Up Uttar Pradesh 26.9 Bihar 14.6 Punjab 6.6 Madhya Pradesh 6.6 West Bengal 6.2 Rajasthan 5.7 NCR 5.6 Assam 3.9 Haryana 3.6 Pondicherry 0 Tripura 0 Karnataka 0 Tamil Nadu 0 Chhattisgarh 0 Jharkhand 0 Maharashtra 0 Gujarat 0 India 0 Others 20.3	Location Wise Break-Up Punjab 0 Assam 0 Chhattisgarh 0 Gujarat 30.0 Jharkhand 0 Tripura 0 Uttar Pradesh 21.0 Madhya Pradesh 15.0 Pondicherry 0 Tamil Nadu 0 Rajasthan 10.0 NCR 0 India 0 Bihar 11.0 Karnataka 0 Maharashtra 4.0 Haryana 0 West Bengal 0 Others 9.0	Location Wise Break-Up Punjab 0 Assam 0 Chhattisgarh 0 Gujarat 0 Jharkhand 0 Tripura 0 Uttar Pradesh 0 Madhya Pradesh 0 Pondicherry 0 Tamil Nadu 0 Rajasthan 0 NCR 0 India 100.0 Bihar 0 Karnataka 0 Maharashtra 0 Haryana 0 West Bengal 0
AUM Break-Up - NBFC	AUM Break-Up - NBFC MFI Lending 85.2 Housing Finance 8.06 MSME 6.5 Business Correspondence 0.24 SFL 0 TFSL - Business Correspondence 0 Product Financing 0 2-wheeler loans 0 MSME loans 0 Microfinance 0	AUM Break-Up - NBFC Small & Medium Enterprises (SME) loans 20.2 Microfinance Services 74.5 SFL 0 Housing Finance 0 MFI Lending 0 MSME 0 Business Correspondence 0 Product Financing 0 2 Wheeler Loans 3.5 TFSL - Business Correspondence 0 Others 1.8	-

Satin Creditcare Network Ltd.

Satin Creditcare Network Ltd.

Financial

Business

SIGN UP FOR FREE