Poonawalla Fincorp formerly Magma Fincorp

It is interesting to observe that if they materialize the guidance,

1. They have guided 30 to 35% growth of profit for at least 7 years.
   (Armaan finance guided same for coming 3 years)
2. Next 3 years of no capital raise.
3. They are leveraged less than 2.
4. Operation costs are on steep decline as from 300+ branches to reduced till 89 due to tech Focus.
5. Valuation wise available at Price to book value of less than 4.
6. MSME has the Highest Yields compared overall with Other NBFCs (Armaan Financial is having yield of 36.1% & NNPA =0.4, with Poonawalas Cost of Capital at 8% NIM stands at 28% if success like Arman is replicated)
7. For point 6 No claim that Poonawala can make 36% yield, but NIM can be much high is the point I am trying to make.
   What inferences can be drawn here?

Above information picked up from:

1. Interview with Adar Poonawala
   https://youtu.be/6JmYuisj4tU?si=iAjsdRFx7VBpgibw

2. Poonawala Fincorp Investor Ppt:
   I can put only 2 links in post hope you can find it from BSE

3.Armaan financial Investor Ppt: