Five-Star Business Finance Ltd. benchmarking: Performance to industry peers

Financial

	Five Star Business	IFCI	SBFC Finance
Operational Metrics
Banks
Net NPA	2.0 %	n/a	1.54 %
Net Interest Margin	20.07 %	-5.9 %	10.24 %
NBFC
AUM - NBFC	13224.6 Crs	n/a	11270.0 Crs
Gross NPA	3.37 %	49.1 %	n/a
Cost To Income Ratio	44.71 %	n/a	57.19 %
Tier I Capital	69.93 %	-48.36 %	n/a
Unclassified
Capital to Risks Assets Ratio (CRAR)	51.63 %	-48.4 %	32.84 %
Financials
5 yr Average ROE	11.63 %	0.85 %	8.26 %
5yr average Equity Multiplier	2.32	4.33	3.09
5yr Average Asset Turnover Ratio	0.18	0.1	0.13
5yr Avg Net Profit Margin	29.63 %	-41.97 %	20.59 %
5yr Avg Net Profit Margin	29.63 %	-41.97 %	20.59 %
5yr CAGR Net Profit	73.66 %	n/a	39.86 %
5yr CAGR Sales	64.84 %	1.63 %	19.64 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.85	1.96	3.18
P/E	12.43	96.72	29.35
Shareholdings
Promoter Holding	18.61 %	72.57 %	52.35 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-16.26 %	6.22 %	-11.7 %
Change in Mutual Fund Holding (3 Yrs)	12.01 %	0.12 %	4.98 %

	Five Star Business	IFCI	SBFC Finance
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	-
Borrowings Break-Up	Borrowings Break-Up Term Loans 57.0 Borrowings under Securitisation 19.0 Non-Convertible Debentures 9.0 External commercial borrowing 1.0 Loans repayable on demand 0 Subordinate Bonds 0 NCDs 0 Private Placement Bonds 0 Tax Free Bonds 0 Foreign Currency(KFW Line) 0 Public NCDs 0 Infrastructure Bonds 0 Zero Coupon Bonds 0 Bank Loan 0 Others 14.0	Borrowings Break-Up Term Loans 0 Borrowings under Securitisation 0 Non-Convertible Debentures 0 External commercial borrowing 0 Infrastructure Bonds 4.45 Tax Free Bonds 1.91 Public NCDs 12.18 Subordinate Bonds 8.11 Foreign Currency Borrowings 2.63 Zero Coupon Bonds 1.39 Private Placement Bonds 32.27 Bank Loan 32.01 Loans repayable on demand 0 NCD 5.05	-
Segment Wise Break-Up	Segment Wise Break-Up Loans 100.0	-	-