Home First Finance Company India Ltd. benchmarking: Performance to industry peers

Financial

	Home First Finance	Aptus Value Housing	Aavas Financiers
Operational Metrics
Banks
Net Interest Margin	5.9 %	13.3 %	8.45 %
Net NPA	1.4 %	n/a	n/a
NBFC
Cost of Borrowing	7.9 %	8.1 %	7.62 %
Gross NPA	1.8 %	1.52 %	1.05 %
AUM - NBFC	15877.7 Crs	13107.0 Crs	23451.7 Crs
Cost To Income Ratio	32.5 %	n/a	45.9 %
Unclassified
Capital to Risks Assets Ratio (CRAR)	44.1 %	71.0 %	44.56 %
Yield On Advances	13.1 %	17.1 %	12.82 %
Financials
5 yr Average ROE	12.24 %	14.98 %	12.54 %
5yr average Equity Multiplier	3.95	2.29	3.96
5yr Average Asset Turnover Ratio	0.12	0.15	0.12
5yr Avg Net Profit Margin	26.48 %	44.18 %	26.41 %
5yr Avg Net Profit Margin	26.48 %	44.18 %	26.41 %
5yr CAGR Net Profit	30.71 %	22.99 %	14.53 %
5yr CAGR Sales	25.77 %	22.26 %	17.47 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.63	2.67	2.95
P/E	21.19	14.31	16.97
Shareholdings
Promoter Holding	6.99 %	23.87 %	48.88 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-23.22 %	-38.33 %	9.74 %
Change in Mutual Fund Holding (3 Yrs)	11.79 %	23.02 %	10.07 %

Business

	Home First Finance	Aptus Value Housing	Aavas Financiers
Product Wise Break-Up	Product Wise Break-Up Interest Income 85.71 Fee & Commission income 4.47 Net gain on derecognition of financial assets carried at fair value 4.29 Net gain on fair value changes 0 Fees & Commission Income 0 Interest Income 0 Corporate 0 Retail 0 Others 5.53	Product Wise Break-Up Retail 0 0 Fees 2.69 Corporate 0 Interest Income 88.24 Others 0.53 Fee & Commission income 0 Others 8.54	Product Wise Break-Up Retail 99.6 0 Fees & Commission Income 0 Corporate 0.4 Interest Income 0 Net gain on fair value changes 0 Fee & Commission income 0
Loan Break-Up	Loan Break-Up Loan Against Property 16.0 Quasi HL 0 Insurance Loans 0 Top Up Loans 0 Business Loan 0 Home Loan 0 Mortgage loan 0 Others 84.0	Loan Break-Up Loan Against Property 0 Quasi HL 24.0 Housing Finance 69.0 Mortgage loan 0 Business Loan 0 Insurance Loans 4.0 Top Up Loans 0 Others 3.0	Loan Break-Up Loan Against Property 0 Quasi HL 0 Home loans 65.0 Loan Against Property 13.0 Business Loan 0 Insurance Loans 0 Top Up Loans 0 Others 22.0
Location Wise Break-Up	Location Wise Break-Up Tamil Nadu 12.1 Telangana 8.4 Karnataka 6.0 Andhra Pradesh 5.6 India 0 Others 67.9	Location Wise Break-Up Telangana 17.02 Tamil Nadu 30.96 Andhra Pradesh 43.46 Karnataka 7.67 India 0 Others 0.89	Location Wise Break-Up Telangana 0 Tamil Nadu 0 Andhra Pradesh 0 Karnataka 0 India 100.0
Customer Segment	Customer Segment Salaried 68.0 Self Employed 32.0 Corporates and Others 0 Self Emplyoed 0	Customer Segment Self Emplyoed 0 Corporates and Others 0 Salaried 24.0 Self Employed 76.0	Customer Segment Self-Employed 61.0 Corporates and Others 0 Salaried 39.0 Self Employed 0
Borrowings Break-Up	Borrowings Break-Up PSU Banks 36.0 Private Banks 24.0 NHB 15.0 DA 15.0 Co-lending 4.0 NCD 2.0 NBFC 1.0 Banks 0 NCDs 0 NHB Refinancing 0 Assignment 0 Term Loans 0 Others 3.0	Borrowings Break-Up PSU Banks 0 Private Banks 0 Co-lending 0 NCDs 0 Assignment 0 NCD 17.5 NHB Refinancing 0 Banks 59.1 DA 0 NBFC 0 NHB 11.1 Term Loans 0 Others 12.3	Borrowings Break-Up PSU Banks 0 Private Banks 0 Co-lending 0 NCD 9.0 Assignment 27.0 NCD 0 NHB 11.0 Banks 0 DA 0 NBFC 0 NHB 0 Loan From Banks 52.0 Others 1.0
Ticket Size	Ticket Size >25 Lakhs 14.0 20-25 Lakhs 13.0 10-20 Lakhs 0 <10 Lakhs 0 <10lks 0 Others 73.0	Ticket Size >25 Lakhs 0 20-25 Lakhs 0 <10lks 93.0 <10 Lakhs 0 10-20 Lakhs 0 Others 7.0	-

Home First Finance Company India Ltd.

Home First Finance Company India Ltd.

Financial

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