Shriram Finance Ltd. benchmarking: Performance to industry peers

Financial

	Shriram Finance	Bajaj Finserv	JIO Financial Serv.
Operational Metrics
Banks
Net Interest Margin	8.61 %	n/a	n/a
Fresh Slippages - Quarterly	2691.12 Crs	n/a	n/a
NBFC
Cost of Borrowing	8.5 %	n/a	n/a
Capital to Risks Assets Ratio (CRAR)	20.4 %	n/a	25.91 %
Tier I Capital	19.8 %	n/a	191.08 %
Gross NPA	4.58 %	n/a	n/a
Net NPA	2.33 %	n/a	n/a
AUM - NBFC	302273.75 Crs	n/a	25711.0 Crs
Cost To Income Ratio	25.32 %	n/a	n/a
Financials
5 yr Average ROE	14.28 %	12.68 %	0.65 %
5yr average Equity Multiplier	5.14	8.53	1.11
5yr Average Asset Turnover Ratio	0.14	0.21	0.41
5yr Avg Net Profit Margin	19.72 %	7.17 %	44.35 %
5yr Avg Net Profit Margin	19.72 %	n/a	44.35 %
5yr CAGR Net Profit	29.8 %	n/a	132.57 %
5yr CAGR Sales	20.11 %	n/a	-2.74 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	3.68	3.62	1.18
P/E	24.22	28.81	101.21
Shareholdings
Promoter Holding	25.38 %	58.71 %	47.12 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.13 %	-2.07 %	0.35 %
Change in Mutual Fund Holding (3 Yrs)	10.3 %	4.4 %	1.26 %

Business

	Shriram Finance	Bajaj Finserv	JIO Financial Serv.
Loan Break-Up	Loan Break-Up Commercial vehicles 46.87 4 Wheeler 21.31 Micro, Small & Medium Enterprises 13.64 Two Wheelers 5.76 Construction Equipment`s 4.4 Personal Loans 3.55 Farm Equipment`s 2.28 Gold 2.19 Business loans 0 Tractors 0 M&LCVs 0 HCVs 0	-	-
Product Wise Break-Up	Product Wise Break-Up Fee and Commission 0 Dividend income 0 Interest income 0 Others 100	Product Wise Break-Up Interest income 0 Fee and Commission 0 Dividend income 0 Others 100	Product Wise Break-Up Interest income 63.08 Fee and Commission 21.73 Dividend income 0 Others 15.19
Product Wise Break-Up	Product Wise Break-Up Fee and Commission 0 Dividend income 0 Interest income 0 Others 100	Product Wise Break-Up Interest income 0 Fee and Commission 0 Dividend income 0 Others 100	Product Wise Break-Up Interest income 63.08 Fee and Commission 21.73 Dividend income 0 Others 15.19
Product Wise Break-Up	Product Wise Break-Up Fee and Commission 0 Dividend income 0 Interest income 0 Others 100	Product Wise Break-Up Interest income 0 Fee and Commission 0 Dividend income 0 Others 100	Product Wise Break-Up Interest income 63.08 Fee and Commission 21.73 Dividend income 0 Others 15.19
Location Wise Break-Up	Location Wise Break-Up India 100.0	Location Wise Break-Up India 100.0	Location Wise Break-Up India 100.0
Borrowings Break-Up	Borrowings Break-Up Public Deposit 27.7 Loan From Banks 20.4 Securitisation 15.3 Subordinate Bonds 1.0 Bonds 0 Commercial paper 0 Others 35.6	-	Borrowings Break-Up Public Deposit 0 Subordinate Bonds 0 Securitisation 0 Bonds 0 Commercial paper 0 Loan From Banks 0 Others 100
Rural vs Urban	Rural vs Urban Rural 59.03 Urban 11.99 Others 28.98	-	-
Asset Break-Up - Geography Wise	Asset Break-Up - Geography Wise India 100.0	-	-

Shriram Finance Ltd.

Shriram Finance Ltd.

Financial

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