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	16.54 %	8.6 %	2.02 %
5yr average Equity Multiplier	16.67	5.74	3.83
5yr Average Asset Turnover Ratio	0.15	0.13	0.12
5yr Avg Net Profit Margin	6.69 %	11.45 %	17.47 %
Price to Book	2.74	1.67	3.99
P/E	15.79	15.68	0.0
5yr Avg Cash Conversion Cycle	2.3 Days	n/a	n/a
Inventory Days	0.0	n/a	n/a
Days Receivable	2.3 Days	n/a	n/a
Days Payable	31.62 Days	n/a	n/a
5yr Average Interest Coverage Ratio	1.59	n/a	n/a
5yr Avg ROCE	10.75 %	n/a	n/a
5yr Avg Operating Profit Margin	53.24 %	n/a	n/a
5 yr average Debt to Equity	12.46	n/a	n/a
5yr CAGR Net Profit	21.39 %	n/a	n/a
5yr Average Return on Assets	0.99 %	n/a	n/a
Shareholdings
Promoter Holding	46.44 %	52.49 %	62.46 %
Share Pledged by Promoters	0.02 %	0.0	0.0
Change in Promoter Holding (3 Yrs)	-2.18 %	0.33 %	0.97 %
Change in Mutual Fund Holding (3 Yrs)	-5.78 %	7.82 %	0.65 %

Business

	Cholamandalam Fin.	Mah & Mah Finl. Serv	Poonawalla Fincorp
Product Wise Break-Up	Product Wise Break-Up Interest Income 75.27 Premium income (net of re-insurance) 17.45 Fee & Commission income 6.0 Dividend 0.11 Service Income 0 0 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 Others 1.17	-	Product Wise Break-Up Interest Income 0 CONSTRUCTION EQUIPMENT 0 Service Income 0 Pre-owned vehicles 14.0 0 Small & Medium Enterprises (SME) loans 36.0 TRACTOR 0 Premium income (net of re-insurance) 0 0 MORTGAGE 0 Auto Lease 0 Fee & Commission income 0 Dividend 0 COMMERCIAL VEHICLE 0 Affordable Housing 0 CAR AND UTILITY VEHICLE 0 Others 50.0
Segment Break-Up	Segment Break-Up Financial Services 77.7 Insurance 21.73 Others 0.57	-	-
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 West India 18.0 India 0 North India 33.0 East India 20.0 Central India 10.0 South India 19.0	Location Wise Break-Up West India 31.0 India 0 North India 26.0 East India 13.0 Central India 0 South India 30.0
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 Foreign Currency Loans 0 Loans from corporates 0 External Commercial Borrowings 0 Loan From Banks 0 Rupee Loans 0 Term loans (from banks) 0 Loans repayable on demand from banks 0.04 Loan From Banks 99.95 Others 0.01	Borrowings Break-Up Loan From Banks 26.15 Foreign Currency Loans 0 Loans from corporates 0 External Commercial Borrowings 0 Loan From Banks 0 Rupee Loans 0 Loan From Banks 42.85 Loans repayable on demand 0 Term loans 0 Others 31.0
Profit Before Tax	Profit Before Tax Financial Services 91.29 Insurance 8.63 Others 0.08	-	-
Asset Break-Up	Asset Break-Up Others 100	-	-

Cholamandalam Financial Holdings Ltd.

Cholamandalam Financial Holdings Ltd.

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