DuPont Decomposition

Why does DBOL earn its ROE?

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

ROE = Net Margin × Asset Turnover × Equity Multiplier

1.4% = 0.8% × 0.77 × 2.37

Latest: FY2025

Profitability

Net Margin

0.8%

6.7% →0.8%

How much profit per ₹ of revenue

Efficiency

Asset Turnover

0.77x

0.76x →0.77x

Revenue per ₹ of assets

Leverage

Equity Multiplier

2.37x

2.28x →2.37x

Assets funded by equity vs debt

Trend Analysis

ROE declined by 10.2 pp over 4 years. Driven by net margin declining (6.7% → 0.8%).

Historical Decomposition

Last 4 years

YearRevenuePATNet MarginAsset TOLeverageROE
FY20220Cr0Cr6.7%0.762.2811.7%
FY20230Cr0Cr4.2%1.282.1011.2%
FY20240Cr0Cr1.9%1.042.294.6%
FY20250Cr0Cr0.8%0.772.371.4%

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.

DBOL DuPont Analysis — ROE 1.4% | YieldIQ