Muthoot Finance Ltd.

Financial

	Muthoot Finance	SBI Cards AndPayment	Chola Invest & Fin.
Operational Metrics
Banking Sector
Net Interest Margin	11.27 %	10.6 %	7.5 %
Yield On Advances	17.93 %	n/a	n/a
NBFC
Gross NPA	4.3 %	n/a	3.78 %
Net NPA	3.7 %	1.19 %	2.48 %
Cost To Income Ratio	27.3 %	53.4 %	n/a
Cost of Borrowing	9.0 %	7.4 %	7.2 %
AUM - NBFC	104149.0 Crs	n/a	164642.0 Crs
Capital to Risks Assets Ratio (CRAR)	26.96 %	22.1 %	19.5 %
Tier I Capital	26.21 %	16.3 %	15.04 %
Gold Kept As Security	199.0 Tonnes	n/a	n/a
Unclassified
LTV -Gold Loan	63.0 %	n/a	n/a
Advertisement Spend as a % of Total Sales	0.97 %	n/a	n/a
Financials
5 yr Average ROE	21.25 %	20.54 %	16.61 %
5yr average Equity Multiplier	4.13	4.55	7.65
5yr Average Asset Turnover Ratio	0.16	0.32	0.12
5yr Avg Net Profit Margin	31.48 %	13.97 %	17.55 %
5yr Avg Net Profit Margin	31.48 %	13.97 %	17.55 %
5yr CAGR Net Profit	6.62 %	14.11 %	26.55 %
5yr CAGR Sales	9.31 %	12.38 %	17.39 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	3.19	5.16	4.88
P/E	18.17	30.55	27.11
Shareholdings
Promoter Holding	73.35 %	68.61 %	50.24 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.02 %	-0.76 %	-1.33 %
Change in Mutual Fund Holding (3 Yrs)	5.19 %	3.23 %	-3.96 %

Business

	Muthoot Finance	SBI Cards AndPayment	Chola Invest & Fin.
Product Wise Break-Up	Product Wise Break-Up Interest Income 97.01 Service Charges 1.59 Sale of Services 0.04 Dividend Income 0 Instance based & other 0 Spend based 0 Subscription based 0 Loan Against Property 0 Home Equity 0 Vehicle Finance 0 Others 1.36	Product Wise Break-Up Service Charges 0 Interest Income 52.0 Instance based & other 19.0 Vehicle Finance 0 Spend based 22.0 Loan Against Property 0 Sale of Services 0 Subscription 7.0 Home Equity 0 Dividend Income 0	Product Wise Break-Up Service Charges 0 Interest Income 0 Instance based & other 0 Auto Loans 54.56 Spend based 0 LAP 16.89 Sale of Services 0 Subscription based 0 Home Equity 0 Dividend Income 0 Others 28.55
Loan Break-Up	Loan Break-Up Gold Loan 85.69 Small & Medium Enterprises (SME) loans 9.14 Home loans 2.32 Auto loans 2.15 Personal Loan 0 Non-Housing Loan 0 Others 0.7	-	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Tier 3 0 Tier 2 0 Tier 1 0 Rest of the World 0 West India 0 East India 0 South India 0 North India 0	Location Wise Break-Up Tier Ii 22.0 India 0 East India 0 North India 0 Tier Iii 25.0 Tier I 37.0 South India 0 Rest of the World 0 West India 0 Others 16.0	Location Wise Break-Up Tier 2 0 India 0 East India 25.0 North India 23.0 Tier 3 0 Tier 1 0 South India 29.0 Rest of the World 0 West India 23.0
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 57.18 Secured Non-Convertible Debentures 27.24 Commercial Papers 5.93 Subordinated Debt 0.07 External Commercial Borrowings 0 Overdraft against Deposite 0 Cash Credit/ Short term loan 0 Securitised Loans 0 Loans from related party 0 Pass through certificates payable 0 Loan from Financial Institutions 0 Term Loan from Bank 0 Term Loans 0 Debentures 0 Commercial Papers 0 Bank Lines 0 Securitisation 0 Perpetual Debt Instruments 0 Working Capital Demand Loans (incl CC) 0 Sub‐ordinated Debt 0 Non‐Convertible Debentures 0 Bank Term Loans 0 Others 9.58	Borrowings Break-Up Loan from Financial Institutions 0 Overdraft against Deposite 0 Perpetual Debt Instruments 0 Commercial Papers 0 External Commercial Borrowings 0 Secured Non-Convertible Debentures 0 Loan From Banks 61.0 Loan From Banks 0 Loans from related party 0 Term Loan from Bank 0 Cash Credit/ Short term loan 0 Non‐Convertible Debentures 0 Debenture 18.0 Subordinated Debt 0 Sub‐ordinated Debt 0 Bank Term Loans 0 Pass through certificates payable 0 Term Loans 21.0 Working Capital Demand Loans (incl CC) 0 Securitised Loans 0 Securitisation 0	Borrowings Break-Up Loan from Financial Institutions 0 Overdraft against Deposite 0 Perpetual Debt Instruments 0 Commercial Papers 0 External Commercial Borrowings 1.04 Secured Non-Convertible Debentures 0 Bank Lines 0 Loan From Banks 0 Loans from related party 0 Term Loan from Bank 0 Cash Credit/ Short term loan 0 Non‐Convertible Debentures 0 Debentures 0 Subordinated Debt 0 Sub‐ordinated Debt 0 Bank Loan 59.44 Pass through certificates payable 0 Term Loans 0 Working Capital Demand Loans (incl CC) 0 Securitised Loans 0 Securitisation 0 Others 39.52
Borrowings - Geography Wise	Borrowings - Geography Wise Borrowings in India 100.0 Borrowings outside India 0	-	-

Muthoot Finance Ltd.

SIGN UP FOR FREE