Cholamandalam Financial Holdings Ltd.

Financial

	Cholamandalam Fin.	Mah & Mah Finl. Serv	Poonawalla Fincorp
Operational Metrics
Unclassified
R&D as a % of Total Sales	0.65 %	n/a	n/a
Financials
5 yr Average ROE	15.47 %	8.3 %	2.45 %
5yr average Equity Multiplier	16.37	5.77	4.08
5yr Average Asset Turnover Ratio	0.16	0.14	0.13
5yr Avg Net Profit Margin	6.22 %	10.81 %	18.15 %
Price to Book	3.24	1.55	3.88
P/E	17.76	14.74	183.19
5yr Avg Cash Conversion Cycle	3.88 Days	n/a	n/a
Inventory Days	0.0	n/a	n/a
Days Receivable	3.88 Days	n/a	n/a
Days Payable	62.09 Days	n/a	n/a
5yr Average Interest Coverage Ratio	1.57	n/a	n/a
5yr Avg ROCE	10.64 %	n/a	n/a
5yr Avg Operating Profit Margin	51.82 %	n/a	n/a
5 yr average Debt to Equity	12.08	n/a	n/a
5yr CAGR Net Profit	26.33 %	n/a	n/a
5yr Average Return on Assets	0.95 %	n/a	n/a
Shareholdings
Promoter Holding	46.45 %	52.16 %	62.53 %
Share Pledged by Promoters	0.02 %	0.0	0.0
Change in Promoter Holding (3 Yrs)	-2.17 %	0.0	1.03 %
Change in Mutual Fund Holding (3 Yrs)	-4.78 %	7.46 %	-0.52 %

Business

	Cholamandalam Fin.	Mah & Mah Finl. Serv	Poonawalla Fincorp
Product Wise Break-Up	Product Wise Break-Up Interest Income 74.81 Premium income (net of re-insurance) 17.45 Fee & Commission income 5.9 Net gain on fair value changes 1.74 Dividend 0.08 Service Income 0.02 0 MSME LOANS 0 Pre-owned vehicles 0 Auto Lease 0 Affordable Housing 0 MORTGAGE 0 TRACTOR 0 CONSTRUCTION EQUIPMENT 0 COMMERCIAL VEHICLE 0 CAR AND UTILITY VEHICLE 0	-	Product Wise Break-Up CAR AND UTILITY VEHICLE 0 Interest Income 0 Auto Lease 0 0 Service Income 0 Dividend 0 TRACTOR 0 Pre-owned vehicles 14.0 COMMERCIAL VEHICLE 0 Net gain on fair value changes 0 MORTGAGE 0 Fee & Commission income 0 CONSTRUCTION EQUIPMENT 0 Premium income (net of re-insurance) 0 Small & Medium Enterprises (SME) loans 36.0 Affordable Housing 0 Others 50.0
Segment Break-Up	Segment Break-Up Financial Services 76.15 Insurance 23.49 Others 0.36	-	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Central India 0 West India 0 South India 0 North India 0 East India 0	Location Wise Break-Up South India 19.0 India 0 North India 33.0 West India 18.0 Central India 10.0 East India 20.0	Location Wise Break-Up South India 30.0 India 0 North India 26.0 West India 31.0 Central India 0 East India 13.0
Borrowings Break-Up	Borrowings Break-Up Rupee Loans 91.11 External Commercial Borrowings 5.32 Loan From Banks 3.57 Foreign Currency Loans 0 Loans repayable on demand 0 Loans from corporates 0 Term loans 0 Loans repayable on demand (from banks) 0 Term loans (from banks) 0	Borrowings Break-Up Loans repayable on demand (from banks) 0 External Commercial Borrowings 0 Loan From Banks 99.47 Term loans (from banks) 0 Rupee Loans 0 Loan from Body Corporates 0.16 Loan From Banks 0 Loans repayable on demand 0 Foreign Currency Loans 0 Others 0.37	Borrowings Break-Up Loan From Banks 35.39 External Commercial Borrowings 0 Term loans 0 Loan From Banks 54.64 Rupee Loans 0 Loans from corporates 0 Loan From Banks 0 Loans repayable on demand 0 Foreign Currency Loans 0 Others 9.97
Profit Before Tax	Profit Before Tax Financial Services 86.28 Insurance 13.57 Others 0.15	-	-
Asset Break-Up	Asset Break-Up Others 100	-	-

Cholamandalam Financial Holdings Ltd.

Cholamandalam Financial Holdings Ltd.

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