JM Financial Ltd.

Financial

	JM Financial	Abans Holdings	Godrej Industries
Operational Metrics
Asset Management Sector
AUM - Mutual Funds	7065.51 Crs	n/a	n/a
5 Yr AUM CAGR - Mutual Funds	-3.21 %	n/a	n/a
% of AUM in equity fund	55.81 %	n/a	n/a
Banking Sector
Net Interest Margin	6.3 %	n/a	n/a
NBFC
Cost of Borrowing	9.0 %	n/a	n/a
Capital to Risks Assets Ratio (CRAR)	37.2 %	n/a	n/a
Gross NPA	4.5 %	n/a	n/a
Net NPA	2.2 %	n/a	n/a
Unclassified
Yield On Advances	13.6 %	n/a	n/a
Financials
5 yr Average ROE	9.33 %	8.16 %	9.79 %
5yr average Equity Multiplier	3.67	2.33	4.29
5yr Average Asset Turnover Ratio	0.14	1.72	0.46
5yr Avg Net Profit Margin	17.92 %	3.95 %	4.87 %
Price to Book	0.93	2.34	3.27
P/E	11.27	26.65	40.02
5yr Avg Cash Conversion Cycle	107.24 Days	n/a	-41.81 Days
Inventory Days	2.28 Days	n/a	165.49 Days
Days Receivable	95.83 Days	n/a	33.98 Days
Days Payable	155.18 Days	n/a	147.14 Days
5yr Average Interest Coverage Ratio	1.94	n/a	2.86
5yr Avg ROCE	14.01 %	n/a	9.81 %
5yr Avg Operating Profit Margin	70.71 %	n/a	12.52 %
5 yr average Debt to Equity	2.06	n/a	1.73
5yr CAGR Net Profit	0.86 %	n/a	10.58 %
5yr Average Return on Assets	2.55 %	n/a	2.3 %
Shareholdings
Promoter Holding	56.44 %	72.09 %	67.16 %
Share Pledged by Promoters	0.0	12.12 %	5.62 %
Change in Promoter Holding (3 Yrs)	1.65 %	0.0	-0.03 %
Change in Mutual Fund Holding (3 Yrs)	-1.43 %	0.0	2.4 %

Business

	JM Financial	Abans Holdings	Godrej Industries
Product Wise Break-Up	Product Wise Break-Up Interest Income 54.59 Fee & Commission income 23.97 Net gain on fair value changes 10.63 Broking 9.83 Net gain on derecognition of financial assets carried at fair value 0.05 Crop Protection 0 Dairy 0 Finance & Investments 0 Estate & Property Development 0 Veg Oils 0 Animal Feed 0 Chemicals 0 Others 0.93	-	Product Wise Break-Up Dairy 8.9 0 Net gain on fair value changes 0 Interest Income 0 Chemicals 15.02 Broking 0 Animal Feed 31.4 Financial Services 9.02 Vegetable Oil 10.26 Crop Protection 5.41 Real Estate 13.4 Fee & Commission income 0 Others 6.59
Segment Break-Up	Segment Break-Up Investment Banking 37.2 Mortage 29.95 Platform AWS 20.24 Distressed Credit 8.48 Asset management 0 Lending 0 Internal Treasury Operations 0 Agency Business 0 Others 4.13	Segment Break-Up Mortage 0 Investment Banking 0 Lending 2.31 Asset management 0 Distressed Credit 0 Treasury 91.39 Agency Business 6.3 Platform AWS 0	-
Location Wise Break-Up	Location Wise Break-Up India 99.77 Rest of the World 0 Others 0.23	Location Wise Break-Up Rest of the World 0 India 12.71 Others 87.29	Location Wise Break-Up Rest of the World 11.89 India 88.11
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 80.73 Borrowings under Securities lending and borrowings (SLB) 4.66 Cash Credit 1.62 Short term loan from banks 0 Others 12.99	-	-
Asset Break-Up - Geography Wise	Asset Break-Up - Geography Wise Others 100	-	-
Net Profit Break-Up	Net Profit Break-Up Others 100	-	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Liquid/ Money Market 51.22 Equity 38.41 Debt 7.71 Balanced schemes 2.67 ETF 0	-	-

JM Financial Ltd.

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