Bajaj Finserv Ltd.

Financial

	Bajaj Finserv	PB Fintech	Cholamandalam Fin.
Operational Metrics
General Insurance Sector
Float	10491.67 Crs	n/a	n/a
Yield On Total Investments - General Insurance	1.23 %	n/a	n/a
Combined Ratio	101.57 %	n/a	n/a
Monthly Gross Direct Premium Income (GDPI)	1662.73 Crs	n/a	n/a
Risk Retention Ratio	49.62 %	n/a	n/a
Life Insurance Sector
AUM - Life Insurance	109829.0 Crs	n/a	n/a
New Business Performance - Life Insurance	1953.08 Crs	n/a	n/a
Embedded Value	21726.0 Crs	n/a	n/a
Value Of New Business Margin (VNB)	18.1 %	n/a	n/a
Management Expense Ratio - Life Insurance	27.0 %	n/a	n/a
13 Month Persistency Ratio	80.3 %	n/a	n/a
61 Month Persistency Ratio	49.2 %	n/a	n/a
Commission Ratio - Life Insurance	9.8 %	n/a	n/a
Financials
5 yr Average ROE	12.39 %	-25.14 %	15.54 %
5yr average Equity Multiplier	8.31	1.2	16.35
5yr Average Asset Turnover Ratio	0.21	0.45	0.16
5yr Avg Net Profit Margin	7.11 %	-40.76 %	6.12 %
Price to Book	4.3	10.34	2.53
P/E	31.86	0.0	12.87
5yr Avg Cash Conversion Cycle	14.37 Days	74.07 Days	3.52 Days
Inventory Days	0.0	0.0	0.0
Days Receivable	14.37 Days	74.07 Days	3.52 Days
Days Payable	31.56 Days	16.45 Days	107.48 Days
5yr Average Interest Coverage Ratio	2.14	-607.8	1.57
5yr Avg ROCE	15.97 %	-23.15 %	10.55 %
5yr Avg Operating Profit Margin	33.75 %	-35.27 %	51.89 %
5 yr average Debt to Equity	4.07	0.0	12.02
5yr CAGR Net Profit	14.8 %	7.2 %	13.12 %
5yr Average Return on Assets	1.49 %	-19.79 %	0.95 %
Shareholdings
Promoter Holding	60.69 %	0.0	47.37 %
Share Pledged by Promoters	0.01 %	0.0	0.02 %
Change in Promoter Holding (3 Yrs)	-0.11 %	0.0	-1.43 %
Change in Mutual Fund Holding (3 Yrs)	0.85 %	8.4 %	-1.31 %

Business

	Bajaj Finserv	PB Fintech	Cholamandalam Fin.
Segment Break-Up	Segment Break-Up Insurance 50.08 NBFC 48.15 Investments 1.77 Wind 0.01 Insurance Web Aggregator Services 0 Financing 0	Segment Break-Up Insurance Web Aggregator 80.05 Financing 0 Investments 0 NBFC 0 Wind 0 Insurance 0 Others 19.95	Segment Break-Up Insurance Web Aggregator Services 0 Financial Services 72.84 Investments 0 NBFC 0 Wind 0 Insurance 27.12 Others 0.04
Segment Break-Up	Segment Break-Up Insurance 50.08 NBFC 48.15 Investments 1.77 Wind 0.01 Insurance Web Aggregator Services 0 Financing 0	Segment Break-Up Insurance Web Aggregator 80.05 Financing 0 Investments 0 NBFC 0 Wind 0 Insurance 0 Others 19.95	Segment Break-Up Insurance Web Aggregator Services 0 Financial Services 72.84 Investments 0 NBFC 0 Wind 0 Insurance 27.12 Others 0.04
Product Wise Break-Up	Product Wise Break-Up Financial Products Commission 0 Rewards 0 Marketing & Consulting 0 Outsourcing Services 0 Insurance Commission 0 Service Income 0 0 Fee & Commission income 0 Premium income (net of re-insurance) 0 0 Dividend Income 0 Interest Income 0 Others 100	Product Wise Break-Up Financial Products Commission 15.02 Rewards 4.68 Service Income 0 Outsourcing Services 21.47 Interest Income 0 0 Premium income (net of re-insurance) 0 Dividend Income 0 0 Fee & Commission income 0 Consulting 32.82 Insurance Commission 23.42 Others 2.59	Product Wise Break-Up Financial Products Commission 0 Rewards 0 Service Income 0.05 Outsourcing Services 0 Interest Income 71.63 Net gain on fair value changes 2.23 Premium income (net of re-insurance) 19.8 Dividend 0.05 0 Fee & Commission income 6.24 Marketing & Consulting 0 Insurance Commission 0
Location Wise Break-Up	Location Wise Break-Up India 100.0	Location Wise Break-Up India 100.0	Location Wise Break-Up India 100.0
Distribution Channel	Distribution Channel Banking 12.0 Direct 0 Others 88.0	Distribution Channel Banking 0 Direct 0 Others 100	-
Premium Break-Up - General Insurance	Premium Break-Up - General Insurance Motors 40.12 Health Insurance 37.53 Crop Insurance 8.87 Fire Equipment 2.69 PERSONAL ACCIDENT 2.22 MARINE 1.6 Worksmens Compensation 0.53 Public/Product Liability 0.32 Engineering 0.29 Aviation 0.02 Credit Insurance 0 Others 5.81	-	-
AUM Break-Up - NBFC	AUM Break-Up - NBFC Mortage 31.25 Consumer Finance 19.64 SME 12.65 Rural 7.75 Consumer Finance 7.59 Commercial Lending Business 5.82 Loans against securities 5.34 Consumer Finance 5.16 Rural 2.09 Others 2.71	-	-
Net Profit Break-Up	Net Profit Break-Up Loan 86.87 General Insurance 6.77 Life Insurance 2.96 Windmill 0.01 Investments 0 Others 3.39	-	-

Bajaj Finserv Ltd.

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