Satin Creditcare Network Ltd. benchmarking: Performance to industry peers

Financial

	Satin Creditcare Net	Mufin Green Finance	Spandana SphoortyFin
Operational Metrics
NBFC
Gross NPA	3.1 %	n/a	3.33 %
AUM - NBFC	12853.0 Crs	n/a	4420.0 Crs
Capital to Risks Assets Ratio (CRAR)	25.4 %	n/a	35.9 %
Cost To Income Ratio	46.34 %	n/a	80.5 %
Net NPA	0.9 %	n/a	0.64 %
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	5.42 %	6.38 %	4.33 %
5yr average Equity Multiplier	4.77	3.4	2.99
5yr Average Asset Turnover Ratio	0.2	0.13	0.2
5yr Avg Net Profit Margin	5.49 %	16.92 %	-1.54 %
5yr Avg Net Profit Margin	5.49 %	n/a	-1.54 %
5yr CAGR Net Profit	n/a	n/a	n/a
5yr CAGR Sales	13.58 %	n/a	10.32 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	0.89	4.43	1.11
P/E	7.68	90.1	0.0
Shareholdings
Promoter Holding	36.17 %	47.3 %	48.16 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-3.28 %	-10.88 %	-14.84 %
Change in Mutual Fund Holding (3 Yrs)	-1.7 %	0.0	-0.1 %

Business

	Satin Creditcare Net	Mufin Green Finance	Spandana SphoortyFin
Product Wise Break-Up	Product Wise Break-Up Interest income 82.14 Gain from derecognition of financial instrument 13.56 Fees and Commission 0.94 Dividend Income 0 MSME 0 Service/ Trade (ex. MSME) 0 Production 0 Agri/ Allied Activities 0 Financing and Investing activities 0 nbfc 0 Net gain on fair value changes 0 Commission income 0 Others 3.36	Product Wise Break-Up nbfc 0 Financing and Investing activities 100.0 Production 0 Interest income 0 Service/ Trade (ex. MSME) 0 MSME 0 Net gain on fair value changes 0 Agri/ Allied Activities 0 Commission income 0 Dividend Income 0 Fees and Commission 0 0	Product Wise Break-Up nbfc 0 Financing and Investing activities 0 Production 0 Interest Income 85.77 Service/ Trade (ex. MSME) 0 MSME 0 Net gain on fair value changes 10.77 Agri/ Allied Activities 0 Commission income 0 Dividend Income 0 Fees and Commission 0 0 Others 3.46
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 Domestic 0 Chattisgarh 0 Kerala 0 Andhra Pradesh 0 Odisha 0 Others 20.3	Location Wise Break-Up Karnataka 0 Chhattisgarh 0 Pondicherry 0 Tripura 0 Tamil Nadu 0 Assam 0 Gujarat 0 Chattisgarh 0 Kerala 0 Odisha 0 Rajasthan 0 Bihar 0 Maharashtra 0 West Bengal 0 Madhya Pradesh 0 Haryana 0 NCR 0 India 100.0 Uttar Pradesh 0 Andhra Pradesh 0 Punjab 0 Jharkhand 0	Location Wise Break-Up Karnataka 6.0 Chhattisgarh 0 Pondicherry 0 Tripura 0 Tamil Nadu 0 Assam 0 Gujarat 2.0 Chattisgarh 5.0 Kerala 0 Odisha 12.0 Rajasthan 4.0 Bihar 14.0 Maharashtra 7.0 West Bengal 0 Madhya Pradesh 15.0 Haryana 0 NCR 0 Domestic 0 Uttar Pradesh 0 Andhra Pradesh 11.0 Punjab 0 Jharkhand 7.0 Others 17.0
AUM Break-Up - NBFC	AUM Break-Up - NBFC MFI Lending 83.95 Housing Finance 8.25 MSME 7.56 Business Correspondence 0.23 SFL 0 TFSL - Business Correspondence 0 Product Financing 0 Jharkhand 0 Kerala 0 Gujarat 0 Rajasthan 0 Orissa 0 Madhya Pradesh 0 Karnataka 0 Maharastra 0 Chattisgarh 0 Andhra Pradesh 0 Bihar 0 West Bengal 0 Others 0.01	-	AUM Break-Up - NBFC Karnataka 11.4 Product Financing 0 TFSL - Business Correspondence 0 Maharashtra 10.2 Gujarat 0 Housing Finance 0 MSME 0 Chattisgarh 6.7 SFL 0 Kerala 0 Rajasthan 0 Bihar 0 West Bengal 0 Business Correspondence 0 Madhya Pradesh 17.5 MFI Lending 0 Orissa 15.8 Andhra Pradesh 11.8 Jharkhand 0 Others 26.6

Satin Creditcare Network Ltd.

Satin Creditcare Network Ltd.

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