Can Fin Homes Ltd. benchmarking: Performance to industry peers

Financial

	Can Fin Homes	Aavas Financiers	Home First Finance
Operational Metrics
Banks
Net Interest Margin	4.19 %	8.45 %	5.9 %
NBFC
Cost To Income Ratio	19.84 %	45.9 %	32.5 %
Cost of Borrowing	7.07 %	7.62 %	7.9 %
AUM - NBFC	42209.0 Crs	23451.7 Crs	15877.7 Crs
Capital to Risks Assets Ratio (CRAR)	25.08 %	44.56 %	44.1 %
Tier I Capital	24.31 %	44.38 %	n/a
Gross NPA	0.85 %	1.05 %	1.8 %
Net NPA	0.37 %	0.68 %	n/a
Yield On Advances	9.99 %	12.82 %	13.1 %
Financials
5 yr Average ROE	16.8 %	12.54 %	12.24 %
5yr average Equity Multiplier	8.63	3.96	3.95
5yr Average Asset Turnover Ratio	0.09	0.12	0.12
5yr Avg Net Profit Margin	22.45 %	26.41 %	26.48 %
5yr Avg Net Profit Margin	22.45 %	26.41 %	26.48 %
5yr CAGR Net Profit	13.44 %	14.53 %	30.71 %
5yr CAGR Sales	13.96 %	17.47 %	25.77 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.84	2.95	2.63
P/E	10.15	16.97	21.19
Shareholdings
Promoter Holding	29.99 %	48.88 %	6.99 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	9.74 %	-23.22 %
Change in Mutual Fund Holding (3 Yrs)	-6.65 %	10.07 %	11.79 %

Business

	Can Fin Homes	Aavas Financiers	Home First Finance
Product Wise Break-Up	Product Wise Break-Up Home loans 86.24 Loan Against Property 7.5 Loan From Banks 4.87 Loans for Sites 1.01 Corporate 0 Retail 0 Net gain on fair value charge 0 Fees & commission 0 Interest income 0 Others 0.38	Product Wise Break-Up Fees & commission 0 Loans for Sites 0 Interest income 0 Retail 99.6 Corporate 0.4 Net gain on fair value charge 0 Loan From Banks 0 Home loans 0 Loan Against Property 0	Product Wise Break-Up Fee & Commission income 4.47 Loans for Sites 0 Interest Income 85.71 Retail 0 Corporate 0 Net gain on derecognition of financial assets carried at fair value 4.29 Loan From Banks 0 Home loans 0 Loan Against Property 0 Others 5.53
Borrowing Break-Up - NBFC	Borrowing Break-Up - NBFC Loan From Banks 62.0 Debenture 19.0 National Housing Bank 15.0 Commercial Papers 3.0 Deposits with less than 1 year tenure 0 Overdraft / WCDL Accounts 0 Loans & Advances from Related parties 0 Deposits 0 Term Loans 0 Others 1.0	-	-
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 0 Rest of the World 0 Others 100
Customer Segment	Customer Segment Salaried 69.0 Self Employed 31.0 Self Emplyoed 0 Salaried 0 Corporates and Others 0 Self Employed 0	Customer Segment Corporates and Others 0 Self Employed 0 Self-Employed 61.0 Salaried 39.0	Customer Segment Corporates and Others 0 Self Employed 32.0 Self Emplyoed 0 Salaried 68.0
AUM Break-Up	AUM Break-Up Construction 60.0 Mortgage & LAP 10.0 Flat 6.0 Resale 5.0 Rennovation 2.0 Others 17.0	-	-

Can Fin Homes Ltd.

Can Fin Homes Ltd.

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