IIFL Finance Ltd.

Financial

	IIFL Finance	PNB Gilts	Jaykay Enterprises
Operational Metrics
Banking Sector
Net Interest Margin	10.3 %	n/a	n/a
NBFC
Cost To Income Ratio	48.0 %	n/a	n/a
Cost of Borrowing	9.5 %	6.69 %	n/a
AUM - NBFC	83889.0 Crs	n/a	n/a
Capital to Risks Assets Ratio (CRAR)	28.4 %	34.01 %	n/a
Tier I Capital	13.78 %	34.01 %	n/a
Gross NPA	2.3 %	n/a	n/a
Net NPA	1.1 %	n/a	n/a
Financials
5 yr Average ROE	13.76 %	12.61 %	9.91 %
5yr average Equity Multiplier	6.34	14.02	1.26
5yr Average Asset Turnover Ratio	0.15	0.07	0.1
5yr Avg Net Profit Margin	13.88 %	15.43 %	1693.01 %
Price to Book	1.46	1.21	3.85
P/E	55.98	5.52	251.9
5yr Avg Cash Conversion Cycle	3.75 Days	n/a	241.65 Days
Inventory Days	0.0	n/a	138.88 Days
Days Receivable	3.75 Days	n/a	356.17 Days
Days Payable	7.16 Days	n/a	75.97 Days
5yr Average Interest Coverage Ratio	1.47	n/a	191.8
5yr Avg ROCE	11.92 %	n/a	6.39 %
5yr Avg Operating Profit Margin	61.62 %	n/a	-674.59 %
5 yr average Debt to Equity	4.88	n/a	0.11
5yr CAGR Net Profit	-13.0 %	n/a	n/a
5yr Average Return on Assets	2.14 %	n/a	8.73 %
Shareholdings
Promoter Holding	24.87 %	74.07 %	62.89 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.03 %	0.0	16.58 %
Change in Mutual Fund Holding (3 Yrs)	5.62 %	0.0	0.0

Business

	IIFL Finance	PNB Gilts	Jaykay Enterprises
Segment Break-Up	Segment Break-Up Fund Based activities 97.0 Capital Markets 11.78 Financial Services 3.0	-	-
Location Wise Break-Up	Location Wise Break-Up Gujarat 16.0 Maharashtra 16.0 Karnataka 8.0 Telangana 7.0 West Bengal 7.0 Rajasthan 6.0 Uttar Pradesh 6.0 Tamil Nadu 5.0 NCR 5.0 Odisha 0 Punjab 0 Madhya Pradesh 0 Andhra Pradesh 0 Rest of the World 0 India 0 Others 24.0	Location Wise Break-Up West Bengal 0 India 100.0 Andhra Pradesh 0 Madhya Pradesh 0 NCR 0 Karnataka 0 Tamil Nadu 0 Rajasthan 0 Odisha 0 Rest of the World 0 Gujarat 0 Uttar Pradesh 0 Telangana 0 Punjab 0 Maharashtra 0	-
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 81.46 Cash Credit 11.9 Securitization liability 3.02 Commercial papers 0 CBLO 0 ICD 0 Refinance 0 Call Money 0 CP 0 LOC 0 Term Money 0 Market Repo 0 Others 3.62	Borrowings Break-Up Market Repo 74.71 Commercial papers 0 Cash Credit 0 Loan From Banks 0 LOC 0 Loan From Banks 12.99 Call Money 12.11 Refinance 0 ICD 0 Securitization liability 0 CBLO 0 CP 0 Others 0.19	-
AUM Break-Up - NBFC	AUM Break-Up - NBFC Home loans 40.32 Gold Loan 26.83 MSME loan 18.11 Microfinance Services 12.58 Capital Markets 0.78 Personal loan 0.31 Off Book Assets 0 Developer & Construction 0 Business Loan 0 Others 1.07	-	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Equity 77.43 Liquid/ Money Market 8.95 Debt 6.94 Balanced schemes 6.68 ETF 0	-	-