Paisalo Digital Ltd. benchmarking: Perfomance to industry peers

Financial

	Paisalo Digital	Indostar Capital Fin	Tourism Finance Corp
Operational Metrics
Banks
Net Interest Margin	6.5 %	7.6 %	6.2 %
NBFC
AUM - NBFC	5449.4 Crs	7564.0 Crs	1905.91 Crs
Capital to Risks Assets Ratio (CRAR)	38.2 %	37.2 %	56.6 %
Tier I Capital	30.3 %	28.46 %	55.34 %
Gross NPA	0.81 %	3.0 %	0.22 %
Net NPA	0.65 %	1.1 %	0.0
Financials
5 yr Average ROE	9.8 %	-3.36 %	9.39 %
5yr average Equity Multiplier	3.01	3.12	2.54
5yr Average Asset Turnover Ratio	0.15	0.12	0.11
5yr Avg Net Profit Margin	21.97 %	-8.37 %	34.53 %
5yr Avg Net Profit Margin	21.97 %	-8.37 %	34.53 %
5yr CAGR Net Profit	28.12 %	n/a	5.08 %
5yr CAGR Sales	17.38 %	2.74 %	-1.36 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.04	0.93	2.5
P/E	16.4	5.97	27.06
Shareholdings
Promoter Holding	41.16 %	72.96 %	3.85 %
Share Pledged by Promoters	22.71 %	0.0	0.0
Change in Promoter Holding (3 Yrs)	-4.76 %	-16.25 %	-12.98 %
Change in Mutual Fund Holding (3 Yrs)	0.0	0.0	0.0

Business

	Paisalo Digital	Indostar Capital Fin	Tourism Finance Corp
Product Wise Break-Up	Product Wise Break-Up NBFC 100.0 Fees and Commission Income 0 0 0 0 Interest on loans - Loan portfolio 0 Net gain/(loss) on fair value changes 0 Fees & commission income 0 Dividend income 0 Interest income 0	Product Wise Break-Up Dividend income 0 Net gain/(loss) on fair value changes 0 Fees and Commission Income 8.05 0 Fees & commission income 0 Interest income 0 Net gain on fair value changes 2.97 Interest Income 88.97 0 NBFC 0 Others 0.01	Product Wise Break-Up Dividend income 0 Net gain on fair value changes 7.83 Fees and Commission Income 0 0 Fee & Commission income 4.12 Interest Income 84.85 0 Interest on loans - Loan portfolio 0 0 NBFC 0 Others 3.2
Product Wise Break-Up	Product Wise Break-Up NBFC 100.0 Fees and Commission Income 0 0 0 0 Interest on loans - Loan portfolio 0 Net gain/(loss) on fair value changes 0 Fees & commission income 0 Dividend income 0 Interest income 0	Product Wise Break-Up Dividend income 0 Net gain/(loss) on fair value changes 0 Fees and Commission Income 8.05 0 Fees & commission income 0 Interest income 0 Net gain on fair value changes 2.97 Interest Income 88.97 0 NBFC 0 Others 0.01	Product Wise Break-Up Dividend income 0 Net gain on fair value changes 7.83 Fees and Commission Income 0 0 Fee & Commission income 4.12 Interest Income 84.85 0 Interest on loans - Loan portfolio 0 0 NBFC 0 Others 3.2
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0
Distribution Channel	Distribution Channel Small & Medium Enterprises (SME) loans 74.19 PAISALO App (IGL-DIGITAL-E-SIGN) 13.4 PAISALO JLG (KYC+ESIGN) 12.41	-	-
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 81.68 Loans repayable on demand from banks 18.32 Loans from related parties 0 Securitisation 0 CPs 0 Banks 0 NCD 0 Equity 0	Borrowings Break-Up CPs 27.0 Loans from related parties 0 Loans repayable on demand from banks 0 NCD 45.0 Loan From Banks 0 Banking 11.0 Securitisation 13.0 Equity 0 Others 4.0	-

Paisalo Digital Ltd.

Paisalo Digital Ltd.

Financial

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