DuPont Decomposition

Why does AIIL earn its ROE?

Breaking down Return on Equity into profitability, efficiency, and leverage.

ROE = Net Margin × Asset Turnover × Equity Multiplier

28.9% = 149.1% × 0.18 × 1.10

Latest: FY2025

Profitability

Net Margin

149.1%

74.9% →149.1%

How much profit per ₹ of revenue

Efficiency

Asset Turnover

0.18x

0.22x →0.18x

Revenue per ₹ of assets

Leverage

Equity Multiplier

1.10x

1.29x →1.10x

Assets funded by equity vs debt

Trend Analysis

ROE improved by 7.4 pp over 4 years. Driven by net margin improving (74.9% → 149.1%).

Historical Decomposition

Last 4 years

YearRevenuePATNet MarginAsset TOLeverageROE
FY20220Cr0Cr74.9%0.221.2921.4%
FY20230Cr0Cr998.1%0.062.02126.0%
FY20240Cr0Cr114.8%0.121.1214.9%
FY20250Cr0Cr149.1%0.181.1028.9%

How to read DuPont

  • Rising ROE from margin = pricing power, operational improvement (good)
  • Rising ROE from turnover = better asset utilization (good)
  • Rising ROE from leverage = more debt, amplified risk (caution)
  • Falling ROE across all three = structural deterioration (red flag)

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DuPont decomposition from audited annual financials. Factual analysis, not investment advice.