DuPont Decomposition

Why does FEDFINA earn its ROE?

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

ROE = Net Margin × Asset Turnover × Equity Multiplier

8.8% = 11.4% × 0.15 × 5.20

Latest: FY2025

Profitability

Net Margin

11.4%

12.1% →11.4%

How much profit per ₹ of revenue

Efficiency

Asset Turnover

0.15x

0.13x →0.15x

Revenue per ₹ of assets

Leverage

Equity Multiplier

5.20x

5.68x →5.20x

Assets funded by equity vs debt

Trend Analysis

ROE stable at ~9%. Driven by leverage falling (5.68x → 5.20x). High financial leverage (equity multiplier > 4x) amplifies returns but also risk.

Historical Decomposition

Last 4 years

YearRevenuePATNet MarginAsset TOLeverageROE
FY20220Cr0Cr12.1%0.135.689.0%
FY20230Cr0Cr15.7%0.136.6913.3%
FY20240Cr0Cr16.6%0.044.933.0%
FY20250Cr0Cr11.4%0.155.208.8%

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.