Sundaram Finance Ltd. benchmarking: Perfomance to industry peers

Financial

	Sundaram Finance	Mah & Mah Finl. Serv	Poonawalla Fincorp
Operational Metrics
Asset Management
5 Yr AUM CAGR - Mutual Funds	18.42 %	41.53 %	n/a
% of AUM in equity fund	72.05 %	82.1 %	n/a
AUM - Mutual Funds	75880.71 Crs	32433.72 Crs	n/a
Banks
Fresh Slippages - Quarterly	129.59 Crs	n/a	n/a
Net Interest Margin	4.8 %	7.0 %	11.06 %
General Insurance
Combined Ratio	127.0 %	n/a	n/a
Yield On Total Investments - General Insurance	8.56 %	n/a	n/a
Monthly Gross Direct Premium Income (GDPI)	338.64 Crs	n/a	n/a
Risk Retention Ratio	70.1 %	n/a	n/a
Float	3863.75 Crs	n/a	n/a
NBFC
Gross NPA	1.26 %	3.94 %	1.59 %
Net NPA	0.63 %	1.89 %	0.81 %
Capital to Risks Assets Ratio (CRAR)	20.5 %	19.5 %	20.85 %
Tier I Capital	16.8 %	16.9 %	0.0
Cost of Borrowing	6.3 %	n/a	7.69 %
AUM - NBFC	43987.0 Crs	127246.0 Crs	47701.0 Crs
Cost To Income Ratio	34.69 %	39.4 %	n/a
Financials
5 yr Average ROE	13.8 %	8.6 %	2.02 %
5yr average Equity Multiplier	5.72	5.74	3.83
5yr Average Asset Turnover Ratio	0.11	0.13	0.12
5yr Avg Net Profit Margin	22.27 %	11.45 %	17.47 %
5yr Avg Net Profit Margin	22.27 %	11.45 %	17.47 %
5yr CAGR Net Profit	10.04 %	23.95 %	-29.36 %
5yr CAGR Sales	9.88 %	8.9 %	12.41 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	3.56	2.06	3.89
P/E	27.32	20.7	176.16
Shareholdings
Promoter Holding	37.22 %	52.49 %	63.96 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-1.27 %	0.33 %	2.46 %
Change in Mutual Fund Holding (3 Yrs)	-8.01 %	7.17 %	1.45 %

Business

	Sundaram Finance	Mah & Mah Finl. Serv	Poonawalla Fincorp
Product Wise Break-Up	Product Wise Break-Up Interest Income 84.64 Fees and Commission 3.82 Lease Rental 2.36 Dividend 0.3 MSME LOANS 0 Pre-owned vehicles 0 Auto Lease 0 Affordable Housing 0 MORTGAGE 0 TRACTOR 0 CONSTRUCTION EQUIPMENT 0 COMMERCIAL VEHICLE 0 CAR AND UTILITY VEHICLE 0 Others 8.88	-	Product Wise Break-Up Lease Rental 0 Dividend 0 CONSTRUCTION EQUIPMENT 0 COMMERCIAL VEHICLE 0 Pre-owned vehicles 11.0 Auto Lease 0 MORTGAGE 0 CAR AND UTILITY VEHICLE 0 TRACTOR 0 Affordable Housing 0 Fees and Commission 0 Interest Income 0 Small & Medium Enterprises (SME) loans 36.0 Others 53.0
Segment Break-Up	Segment Break-Up Asset Financing 92.2 Insurance 0 Others 7.8	-	-
Location Wise Break-Up	Location Wise Break-Up South India 46.1 North India 23.4 West India 10.6 East India 4.1 Central India 0 Others 15.8	Location Wise Break-Up North India 33.0 East India 20.0 West India 18.0 Central India 10.0 South India 19.0	Location Wise Break-Up North India 26.0 East India 13.0 West India 31.0 Central India 0 South India 30.0
Borrowings Break-Up	Borrowings Break-Up Debenture 32.1 Bank Borrowing 30.9 Securitisation 13.4 Comercial paper 11.0 WC Loans 0 NHB 0 Loans repayable on demand 0 Loans from corporates 0 Term loans 0 Loans repayable on demand (from banks) 0 Term loans (from banks) 0 Others 12.6	Borrowings Break-Up WC Loans 0 Securitisation 0 Loan From Banks 99.95 Loans from corporates 0 Loans repayable on demand (from banks) 0 Term loans (from banks) 0 Loans repayable on demand from banks 0.04 Debenture 0 Bank Borrowing 0 Comercial paper 0 NHB 0 Others 0.01	Borrowings Break-Up WC Loans 0 Securitisation 0 Term loans 0 Loans from corporates 0 Loan From Banks 23.39 Loan From Banks 33.56 Loans repayable on demand 0 Debenture 0 Bank Borrowing 0 Comercial paper 0 NHB 0 Others 43.05
Premium Break-Up - General Insurance	Premium Break-Up - General Insurance Motors 49.11 Health Insurance 24.9 Fire Equipment 3.04 PERSONAL ACCIDENT 2.2 MARINE 2.01 Workmens Compensation /Employers Liability 0.46 Engineering 0.4 Public/Product Liability 0.19 Crop 0 Crop Insurance 0 Commercial Insurance 0 PERSONAL ACCIDENT 0 HEALTH INSURANCE 0 MOTOR 0 FIRE 0 Others 17.69	-	Premium Break-Up - General Insurance Crop 0 Engineering 0 Health Insurance 8.75 Health Insurance 0 Public/Product Liability 0 PERSONAL ACCIDENT 0.42 Motors 0 Fire Equipment 5.09 MARINE 0 0 Commercial Insurance 0 Crop Insurance 0 Motors 85.15 Fire Equipment 0 Others 0.59
AUM Break-Up - NBFC	AUM Break-Up - NBFC 4 Wheeler 24.5 Commercial Vehicles 20.4 Construction Equipment 10.5 Tractor Segment 7.0 Passenger Vehicle 0 SME 0 Pre-owned vehicles 0 0 Others 37.6	AUM Break-Up - NBFC Utility Vehicles 41.02 Tractor Segment 0 Commercial Vehicles 18.38 Pre-owned vehicles 16.99 Construction Equipment 0 Commercial Vehicles 0 4 Wheeler 0 SME 4.09 Others 19.52	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management EQUITY 74.35 Liquid/ Money Market 10.84 Debt 7.34 Balanced schemes 7.25 ETF 0 FMP 0 Gilt 0 Others 0.22	AUM Break-Up - Asset Management Balanced schemes 8.78 FMP 0 Liquid/ Money Market 4.11 Gilt 0 Debt 5.21 ETF 0 Equity 81.77 Others 0.13	-

Sundaram Finance Ltd.

Sundaram Finance Ltd.

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