DuPont Decomposition

Why does RAYMOND earn its ROE?

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

ROE = Net Margin × Asset Turnover × Equity Multiplier

187.8% = 241.5% × 0.47 × 1.67

Latest: FY2026

Profitability

Net Margin

241.5%

4.3% →241.5%

How much profit per ₹ of revenue

Efficiency

Asset Turnover

0.47x

0.83x →0.47x

Revenue per ₹ of assets

Leverage

Equity Multiplier

1.67x

3.13x →1.67x

Assets funded by equity vs debt

Trend Analysis

ROE improved by 176.8 pp over 5 years. Driven by net margin improving (4.3% → 241.5%), asset turnover declining (0.83x → 0.47x), leverage falling (3.13x → 1.67x).

Historical Decomposition

Last 5 years

YearRevenuePATNet MarginAsset TOLeverageROE
FY20220Cr0Cr4.3%0.833.1311.0%
FY20230Cr0Cr6.5%0.992.8318.3%
FY20240Cr0Cr176.2%0.072.8535.5%
FY20250Cr0Cr392.0%0.252.08205.4%
FY20260Cr0Cr241.5%0.471.67187.8%

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.

RAYMOND DuPont Analysis — ROE 187.8% | YieldIQ