Sundaram Finance Ltd.

Financial

	Sundaram Finance	Cholamandalam Fin.	Indiabulls Housing
Operational Metrics
Asset Management Sector
5 Yr AUM CAGR - Mutual Funds	13.5 %	n/a	-44.21 %
% of AUM in equity fund	75.01 %	n/a	48.57 %
AUM - Mutual Funds	60313.76 Crs	n/a	363.69 Crs
Banking Sector
Fresh Slippages - Quarterly	129.59 Crs	n/a	n/a
Net Interest Margin	4.8 %	n/a	n/a
General Insurance Sector
Combined Ratio	109.2 %	n/a	n/a
Yield On Total Investments - General Insurance	7.4 %	n/a	n/a
Monthly Gross Direct Premium Income (GDPI)	279.13 Crs	n/a	n/a
Risk Retention Ratio	78.3 %	n/a	n/a
Float	3250.27 Crs	n/a	n/a
NBFC
Gross NPA	1.26 %	n/a	2.69 %
Net NPA	0.63 %	n/a	1.52 %
Capital to Risks Assets Ratio (CRAR)	20.5 %	n/a	33.3 %
Tier I Capital	16.8 %	n/a	31.2 %
Cost of Borrowing	6.3 %	n/a	8.1 %
AUM - NBFC	43987.0 Crs	n/a	65335.0 Crs
Cost To Income Ratio	34.69 %	n/a	24.1 %
Financials
5 yr Average ROE	14.42 %	15.54 %	12.0 %
5yr average Equity Multiplier	5.83	16.35	5.88
5yr Average Asset Turnover Ratio	0.11	0.16	0.12
5yr Avg Net Profit Margin	23.49 %	6.12 %	15.76 %
5yr Avg Net Profit Margin	23.49 %	n/a	15.76 %
5yr CAGR Net Profit	2.57 %	n/a	-22.69 %
5yr CAGR Sales	8.39 %	n/a	-12.26 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	4.72	2.66	0.62
P/E	36.38	15.37	10.17
Shareholdings
Promoter Holding	37.87 %	47.37 %	0.0
Share Pledged by Promoters	0.0	0.02 %	0.0
Change in Promoter Holding (3 Yrs)	1.96 %	-1.43 %	-21.7 %
Change in Mutual Fund Holding (3 Yrs)	2.34 %	-1.31 %	-2.16 %

Business

	Sundaram Finance	Cholamandalam Fin.	Indiabulls Housing
Product Wise Break-Up	Product Wise Break-Up Interest Income 84.24 Fees and Commission 3.71 Lease Rental 2.02 Dividend 0 Service Income 0 0 Fee & Commission income 0 Premium income (net of re-insurance) 0 0 Dividend Income 0 Fees & Commission Income 0 Others 10.03	Product Wise Break-Up Dividend 0.08 Fees and Commission 0 Interest Income 73.35 Dividend 0 Net gain on fair value changes 1.65 Lease Rental 0 Service Income 0.01 Fees & Commission Income 0 Fee & Commission income 6.78 Premium income (net of re-insurance) 18.13 0	Product Wise Break-Up Dividend Income 0 Fees and Commission 0 Interest Income 71.33 Dividend 0 0 Lease Rental 0 Service Income 0 Fees & Commission Income 2.62 Fee & Commission income 0 Premium income (net of re-insurance) 0 0 Others 26.05
Segment Break-Up	Segment Break-Up Asset Financing 91.25 Insurance 0 Financing 0 Others 8.75	Segment Break-Up Insurance 24.22 Financial Services 75.07 Asset Financing 0 Others 0.71	-
Location Wise Break-Up	Location Wise Break-Up South India 53.9 North India 28.5 West India 13.1 East India 4.5 India 0 Rest of the World 0	Location Wise Break-Up South India 0 India 100.0 North India 0 Rest of the World 0 East India 0 West India 0	Location Wise Break-Up South India 0 India 100.0 North India 0 Rest of the World 0 East India 0 West India 0
Borrowings Break-Up	Borrowings Break-Up Bank Borrowing 34.1 Debenture 32.8 Comercial paper 10.9 Securitisation 8.0 WC Loans 0 NHB 0 Loan repayable on demand - Secured 0 External Commercial Borrowings 0 Foreign Currency Loans 0 Rupee Loans 0 Others 14.2	Borrowings Break-Up Bank Borrowing 0 Comercial paper 0 Debenture 0 Loan From Banks 3.29 Foreign Currency Borrowings 1.13 Rupee Loans 91.48 WC Loans 0 External Commercial Borrowings 3.83 NHB 0 Securitisation 0 Others 0.27	-
Premium Break-Up - General Insurance	Premium Break-Up - General Insurance Motors 48.94 Health Insurance 19.56 Fire Equipment 2.39 PERSONAL ACCIDENT 1.8 MARINE 1.41 Engineering 0.37 Workmens Compensation /Employers Liability 0.24 Public/Product Liability 0.13 Crop 0 Others 25.16	-	-
AUM Break-Up - NBFC	AUM Break-Up - NBFC 4 Wheeler 24.4 Commercial Vehicles 21.9 Construction Equipment 10.6 Tractor Segment 7.6 Others 35.5	-	-
AUM Break-Up - Asset Management	AUM Break-Up - Asset Management EQUITY 74.35 Liquid/ Money Market 10.84 Debt 7.34 Balanced schemes 7.25 ETF 0 FMP 0 Others 0.22	-	AUM Break-Up - Asset Management FMP 0 Debt 8.6 ETF 3.12 Liquid/ Money Market 52.47 Equity 35.81 Balanced schemes 0

Sundaram Finance Ltd.

SIGN UP FOR FREE