BENCHMARKS REPORT

Industry Measure: Company Level Data
| SIC: | 6153 |
| INDUSTRY: | SHORT-TERM BUS CREDIT, EX AG |
| BENCHMARKS FOR THE INDUSTRY |
| NO. OF SEGMENTS REPORTING IN THE INDUSTRY: 26 |
|
1997 SALES FOR THE INDUSTRY: $ 9082 (Total Sales in $Millions) |
|
OPERATING MARGIN: 68.4 (EBIT (divided by) Sales) |
|
CAPITAL INTENSITY: 1014.9 (Sum of Total Debt plus Shareholder Equity (divided by) Sales) |
|
SALES GROWTH: 17.7 (Compound 3-Year Growth Rate in Sales for the Median Participant in the Industry) |
| BENCHMARKS FOR THE TOP FOUR COMPETITORS |
| ROE: Net Profits (divided by) Total Shareholder Equity RONCE: EBIT (divided by) Sum of Total Debt plus Shareholders' Equity |
| Competitor/Rank by Sales |
Market Share (% Ind. Sales) |
ROE | RONCE |
| #1: CIT GROUP INC |
22.8 | 12.7 | 8.0 |
| #2: AMERICAN EXPRESS CREDIT CORP |
22.7 | 11.1 | 6.7 |
| #3: HELLER FINANCIAL INC |
13.5 | 10.3 | 6.7 |
| #4: FINOVA GROUP INC |
10.7 | 12.8 | 8.1 |
| Total of #1-4: | 69.8 | 9.2 | 6.7 |