JM Financial Ltd.

Financial

	JM Financial	Abans Holdings	TVS Holdings
Operational Metrics
Asset Management Sector
AUM - Mutual Funds	7838.99 Crs	n/a	n/a
5 Yr AUM CAGR - Mutual Funds	-3.21 %	n/a	n/a
% of AUM in equity fund	58.28 %	n/a	n/a
Banking Sector
Net Interest Margin	5.8 %	n/a	n/a
NBFC
Cost of Borrowing	9.1 %	n/a	n/a
Capital to Risks Assets Ratio (CRAR)	37.0 %	n/a	n/a
Gross NPA	4.7 %	n/a	n/a
Net NPA	2.2 %	n/a	n/a
Unclassified
Yield On Advances	13.2 %	n/a	n/a
Financials
5 yr Average ROE	9.33 %	8.16 %	14.2 %
5yr average Equity Multiplier	3.67	2.33	8.35
5yr Average Asset Turnover Ratio	0.14	1.72	0.94
5yr Avg Net Profit Margin	17.92 %	3.95 %	1.79 %
Price to Book	1.02	2.63	9.95
P/E	21.15	29.99	35.3
5yr Avg Cash Conversion Cycle	107.24 Days	n/a	-49.03 Days
Inventory Days	2.28 Days	n/a	26.42 Days
Days Receivable	95.83 Days	n/a	15.4 Days
Days Payable	155.18 Days	n/a	95.28 Days
5yr Average Interest Coverage Ratio	1.94	n/a	2.2
5yr Avg ROCE	14.01 %	n/a	17.46 %
5yr Avg Operating Profit Margin	70.71 %	n/a	12.06 %
5 yr average Debt to Equity	2.06	n/a	4.83
5yr CAGR Net Profit	0.86 %	n/a	8.5 %
5yr Average Return on Assets	2.55 %	n/a	1.7 %
Shareholdings
Promoter Holding	56.44 %	72.09 %	74.45 %
Share Pledged by Promoters	0.0	12.12 %	16.23 %
Change in Promoter Holding (3 Yrs)	1.65 %	0.0	-0.55 %
Change in Mutual Fund Holding (3 Yrs)	-1.43 %	0.0	-3.13 %

Business

	JM Financial	Abans Holdings	TVS Holdings
Product Wise Break-Up	Product Wise Break-Up Interest Income 52.87 Fee & Commission income 25.53 Broking 12.75 Net gain on fair value changes 7.93 Net gain on derecognition of financial assets carried at fair value 0.08 Others 0.84	-	-
Segment Break-Up	Segment Break-Up Investment Banking 45.74 Distressed Credit 30.64 Platform AWS 22.74 Asset management 0 Mortgage Lending 0 Lending 0 Internal Treasury Operations 0 Agency Business 0 Financial Services 0 Automotive components 0 Automotive vehicles and parts 0 Others 0.88	Segment Break-Up Financial Services 0 Asset management 0 Platform AWS 0 Treasury 90.14 Distressed Credit 0 Automotive vehicles and parts 0 Agency Business 7.25 Lending 2.61 Automotive components 0 Mortgage Lending 0 Investment Banking 0	Segment Break-Up Financial Services 16.68 Asset management 0 Platform AWS 0 Internal Treasury Operations 0 Distressed Credit 0 Auto Ancillary 1.92 Agency Business 0 Lending 0 Auto Ancillary 80.12 Mortgage Lending 0 Investment Banking 0 Others 1.28
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 25.41 India 72.1 Others 2.49
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	-	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management Liquid/ Money Market 57.98 Equity 31.58 Debt 6.94 Balanced schemes 3.5 ETF 0	-	-
Net Profit Break-Up	Net Profit Break-Up Others 100	-	-

JM Financial Ltd.

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