Aptus Value Housing Finance India Ltd. benchmarking: Performance to industry peers

Financial

	Aptus Value Housing	Aavas Financiers	Home First Finance
Operational Metrics
Banks
Net Interest Margin	13.3 %	8.45 %	5.9 %
NBFC
Tier I Capital	71.08 %	44.38 %	n/a
Cost of Borrowing	8.1 %	7.62 %	7.9 %
AUM - NBFC	13107.0 Crs	23451.7 Crs	15877.7 Crs
Capital to Risks Assets Ratio (CRAR)	71.0 %	44.56 %	44.1 %
Gross NPA	1.52 %	1.05 %	1.8 %
Net NPA	1.15 %	0.68 %	n/a
Unclassified
Tier 2 Capital	0.23 %	n/a	n/a
Yield On Advances	17.1 %	12.82 %	13.1 %
Financials
5 yr Average ROE	14.98 %	12.54 %	12.24 %
5yr average Equity Multiplier	2.29	3.96	3.95
5yr Average Asset Turnover Ratio	0.15	0.12	0.12
5yr Avg Net Profit Margin	44.18 %	26.41 %	26.48 %
5yr Avg Net Profit Margin	44.18 %	26.41 %	26.48 %
5yr CAGR Net Profit	22.99 %	14.53 %	30.71 %
5yr CAGR Sales	22.26 %	17.47 %	25.77 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.67	2.95	2.63
P/E	14.31	16.97	21.19
Shareholdings
Promoter Holding	23.87 %	48.88 %	6.99 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-38.33 %	9.74 %	-23.22 %
Change in Mutual Fund Holding (3 Yrs)	23.02 %	10.07 %	11.79 %

Business

	Aptus Value Housing	Aavas Financiers	Home First Finance
Product Wise Break-Up	Product Wise Break-Up Interest Income 88.24 Fees 2.69 Others 0.53 Corporate 0 Retail 0 Net gain on fair value charge 0 Fees & commission 0 Interest income 0 Others 8.54	Product Wise Break-Up Interest Income 0 Fees 0 Others 0 Fees & commission 0 Interest income 0 Retail 99.6 Corporate 0.4 Net gain on fair value charge 0	Product Wise Break-Up Interest Income 0 Fees 0 Others 0 Fee & Commission income 4.47 Interest Income 85.71 Retail 0 Corporate 0 Net gain on derecognition of financial assets carried at fair value 4.29 Others 5.53
Loan Break-Up	Loan Break-Up Housing Finance 69.0 Quasi HL 24.0 Insurance Loans 4.0 Top Up Loans 0 Business Loan 0 Loan Against Property 0 Mortgage loan 0 Others 3.0	Loan Break-Up Top Up Loans 0 Insurance Loans 0 Housing Finance 0 Loan Against Property 13.0 Quasi HL 0 Business Loan 0 Loan Against Property 0 Others 87.0	Loan Break-Up Top Up Loans 0 Insurance Loans 0 Housing Finance 0 Mortgage loan 0 Quasi HL 0 Business Loan 0 Loan Against Property 16.0 Others 84.0
Location Wise Break-Up	Location Wise Break-Up Andhra Pradesh 43.46 Tamil Nadu 30.96 Telangana 17.02 Karnataka 7.67 India 0 Others 0.89	Location Wise Break-Up Karnataka 0 Tamil Nadu 0 Telangana 0 Andhra Pradesh 0 India 100.0	Location Wise Break-Up Karnataka 6.0 Tamil Nadu 12.1 Telangana 8.4 Andhra Pradesh 5.6 India 0 Others 67.9
Customer Segment	Customer Segment Self Employed 76.0 Salaried 24.0 Self Emplyoed 0 Corporates and Others 0	Customer Segment Corporates and Others 0 Salaried 39.0 Self-Employed 61.0 Self Employed 0	Customer Segment Corporates and Others 0 Salaried 68.0 Self Emplyoed 0 Self Employed 32.0
Borrowings Break-Up	Borrowings Break-Up Banks 59.1 NCD 17.5 NHB 11.1 NCDs 0 NHB Refinancing 0 Assignment 0 Term Loans 0 Co-lending 0 Private Banks 0 PSU Banks 0 NBFC 0 DA 0 Others 12.3	Borrowings Break-Up PSU Banks 0 NCD 0 Loan From Banks 52.0 NCD 9.0 NHB 11.0 Banks 0 Co-lending 0 Private Banks 0 DA 0 Assignment 27.0 NBFC 0 NHB 0 Others 1.0	Borrowings Break-Up PSU Banks 36.0 NCD 2.0 Term Loans 0 NCDs 0 NHB Refinancing 0 Banks 0 Co-lending 4.0 Private Banks 24.0 DA 15.0 Assignment 0 NBFC 1.0 NHB 15.0 Others 3.0
Ticket Size	Ticket Size <10lks 93.0 10-20 Lakhs 0 <10 Lakhs 0 >25 Lakhs 0 20-25 Lakhs 0 Others 7.0	-	Ticket Size >25 Lakhs 14.0 <10 Lakhs 0 20-25 Lakhs 13.0 <10lks 0 10-20 Lakhs 0 Others 73.0
NPA Break-Up	NPA Break-Up Business Loan 49.75 Housing Finance 43.55 Loan Against Property 6.7	-	-

Aptus Value Housing Finance India Ltd.

Aptus Value Housing Finance India Ltd.

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