Can Fin Homes Ltd.

Financial

	Can Fin Homes	Home First Finance	Sammaan Capital
Operational Metrics
Banking Sector
Net Interest Margin	3.73 %	5.1 %	n/a
NBFC
Cost To Income Ratio	16.92 %	36.7 %	25.0 %
Cost of Borrowing	7.51 %	8.2 %	8.1 %
AUM - NBFC	37155.0 Crs	11229.4 Crs	62928.0 Crs
Capital to Risks Assets Ratio (CRAR)	23.23 %	36.4 %	34.0 %
Tier I Capital	24.48 %	n/a	31.2 %
Gross NPA	0.92 %	0.7 %	2.37 %
Net NPA	0.49 %	n/a	1.4 %
Housing Finance
Yield On Advances	10.19 %	13.5 %	n/a
Financials
5 yr Average ROE	16.9 %	10.91 %	8.26 %
5yr average Equity Multiplier	8.95	3.73	5.04
5yr Average Asset Turnover Ratio	0.09	0.12	0.12
5yr Avg Net Profit Margin	21.72 %	25.48 %	13.83 %
5yr Avg Net Profit Margin	21.72 %	25.48 %	13.83 %
5yr CAGR Net Profit	14.9 %	30.9 %	-11.2 %
5yr CAGR Sales	11.66 %	22.48 %	-7.95 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	1.88	3.77	0.61
P/E	10.61	23.89	0.0
Shareholdings
Promoter Holding	29.99 %	14.31 %	0.0
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-19.31 %	-9.72 %
Change in Mutual Fund Holding (3 Yrs)	0.47 %	11.58 %	-3.95 %

Business

	Can Fin Homes	Home First Finance	Sammaan Capital
Product Wise Break-Up	Product Wise Break-Up Home loans 88.53 Loan Against Property 5.72 Loan From Banks 4.56 Loans for Sites 0.88 Net gain on fair value charge 0 Fees & commission 0 Interest income 0 Fees & Commission Income 0 Interest Income 0 Others 0.31	Product Wise Break-Up Fee & Commission income 2.55 Loan From Banks 0 Loans for Sites 0 Loan Against Property 0 Fees & Commission Income 0 Net gain on derecognition of financial assets carried at fair value 2.71 Interest Income 0 Home loans 0 Interest Income 89.08 Others 5.66	Product Wise Break-Up Fees & commission 0 Loan From Banks 0 Loans for Sites 0 Loan Against Property 0 Fees & Commission Income 1.31 Net gain on fair value charge 0 Interest Income 86.93 Home loans 0 Interest income 0 Others 11.76
Borrowing Break-Up - NBFC	Borrowing Break-Up - NBFC Loan From Banks 60.0 Debenture 18.0 National Housing Bank 14.0 Commercial Papers 7.0 Deposits 1.0 Deposits with less than 1 year tenure 0 Overdraft / WCDL Accounts 0 Loans & Advances from Related parties 0 Term Loans 0 Debentures and Securities 0 Bank Loans 0 Sell Down 0 ECB(External commercial borrowing) 0	-	Borrowing Break-Up - NBFC Deposits with less than 1 year tenure 0 Overdraft / WCDL Accounts 0 Loan From Banks 0 Commercial Papers 0 Debenture 36.0 Deposits 0 Loans & Advances from Related parties 0 National Housing Bank 0 Term Loans 0 Bank Loan 28.0 Sell Down 35.0 Debenture 0 ECB 1.0
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up Rest of the World 0 India 0 Others 100	Location Wise Break-Up Rest of the World 0 India 100.0
Customer Segment	Customer Segment Salaried 70.86 Self Employed 29.07 Corporates and Others 0 Self Employed 0 Salaried 0 Others 0.07	Customer Segment Self Employed 32.0 Corporates and Others 0 Salaried 68.0	-
AUM Break-Up	AUM Break-Up Construction 63.0 Mortgage & LAP 8.0 Flat 8.0 Resale 4.0 Rennovation 2.0 Business Loans 0 Corporate Mortgage Loans 0 Mortgage Loans 0 Others 15.0	-	AUM Break-Up Business Loans 18.0 Resale 0 Flat 0 Construction 0 Rennovation 0 Corporate Banking 29.0 Loan Against Property 53.0 Mortgage & LAP 0

Can Fin Homes Ltd.

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