One97 Communications Ltd. benchmarking: Performance to industry peers

Financial

	One97 Communications	PB Fintech	One Mobikwik Systems
Operational Metrics
IT
Total Payment Volume - Quarterly	620000.0 Rs Crs	n/a	897.0 Rs Crs
Retail
Payment Processing Charges as a % of GMV	0.11 %	n/a	n/a
Monthly GMV/MTU	27192.98 Rs	n/a	n/a
Average Monthly Value of Loans Disbursed	1912.67 Crs	n/a	n/a
Ticket Size - Loans	12170.45 Rs	n/a	n/a
Average Monthly Loans Through Paytm	4400.0 Ths	n/a	n/a
Unclassified
Advertisement Spend as a % of Total Sales	6.65 %	n/a	n/a
Financials
5 yr Average ROE	0.0	1.33 %	112.96 %
5yr average Equity Multiplier	1.38	1.15	-0.92
5yr Average Asset Turnover Ratio	0.38	0.44	0.79
5yr Avg Net Profit Margin	-30.94 %	-17.08 %	-17.45 %
Price to Book	4.61	10.14	2.96
P/E	133.6	110.72	0.0
5yr Avg Cash Conversion Cycle	77.96 Days	59.9 Days	21.39 Days
Inventory Days	0.0	0.0	0.0
Days Receivable	77.96 Days	59.9 Days	21.39 Days
Days Payable	21.72 Days	8.28 Days	16.69 Days
5yr Average Interest Coverage Ratio	-52.25	-15.21	-0.02
5yr Avg ROCE	-13.97 %	-4.34 %	51.49 %
5yr Avg Operating Profit Margin	-32.89 %	-22.14 %	-4.17 %
5 yr average Debt to Equity	0.02	0.0	0.16
5yr CAGR Net Profit	-17.23 %	n/a	1.77 %
5yr Average Return on Assets	-10.48 %	-4.52 %	-12.17 %
Shareholdings
Promoter Holding	0.0	0.0	25.08 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	0.0	-0.1 %
Change in Mutual Fund Holding (3 Yrs)	13.89 %	18.6 %	-6.14 %

	One97 Communications	PB Fintech	One Mobikwik Systems
Product Wise Break-Up	Product Wise Break-Up Payment Processing 85.25 Marketing Services 11.06 Financial Products Commission 0 Rewards 0 Marketing & Consulting 0 Outsourcing Services 0 Insurance Commission 0 Payment Services 0 Financial Services 0 Others 3.69	Product Wise Break-Up Payment Processing 0 Consulting 1.0 Payment Services 0 Insurance Commission 85.96 Rewards 0 Outsourcing Services 0.39 Financial Products Commission 10.8 Financial Services 0 Marketing Services 0 Others 1.85	Product Wise Break-Up Payment Processing 0 Marketing & Consulting 0 Payment Services 75.28 Insurance Commission 0 Rewards 0 Outsourcing Services 0 Financial Products Commission 0 Financial Services 21.94 Marketing Services 0 Others 2.78
Loan Break-Up	Loan Break-Up Merchant Loans 62.56 Personal Loans 37.44 Postpaid Loans 0	-	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Outside India 0	Location Wise Break-Up Outside India 0 India 100.0	Location Wise Break-Up Outside India 0.01 India 99.99