DuPont Decomposition

Why does SRF earn its ROE?

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

ROE = Net Margin × Asset Turnover × Equity Multiplier

13.1% = 11.9% × 0.64 × 1.72

Latest: FY2026

Profitability

Net Margin

11.9%

15.3% →11.9%

How much profit per ₹ of revenue

Efficiency

Asset Turnover

0.64x

0.78x →0.64x

Revenue per ₹ of assets

Leverage

Equity Multiplier

1.72x

1.84x →1.72x

Assets funded by equity vs debt

Trend Analysis

ROE declined by 9.0 pp over 5 years. Driven by net margin declining (15.3% → 11.9%), asset turnover declining (0.78x → 0.64x).

Historical Decomposition

Last 5 years

YearRevenuePATNet MarginAsset TOLeverageROE
FY20220Cr0Cr15.3%0.781.8422.1%
FY20230Cr0Cr14.8%0.781.8220.9%
FY20240Cr0Cr10.3%0.631.7811.6%
FY20250Cr0Cr8.7%0.671.719.9%
FY20260Cr0Cr11.9%0.641.7213.1%

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.

SRF DuPont Analysis — ROE 13.1% | YieldIQ