DuPont Decomposition

Why does STARHEALTH earn its ROE?

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

ROE = Net Margin × Asset Turnover × Equity Multiplier

9.1% = 3.9% × 0.79 × 2.92

Latest: FY2025

Profitability

Net Margin

3.9%

-9.8% →3.9%

How much profit per ₹ of revenue

Efficiency

Asset Turnover

0.79x

0.69x →0.79x

Revenue per ₹ of assets

Leverage

Equity Multiplier

2.92x

2.39x →2.92x

Assets funded by equity vs debt

Trend Analysis

ROE improved by 25.4 pp over 4 years. Driven by net margin improving (-9.8% → 3.9%), asset turnover improving (0.69x → 0.79x), leverage rising (2.39x → 2.92x).

Historical Decomposition

Last 4 years

YearRevenuePATNet MarginAsset TOLeverageROE
FY20220Cr-0Cr-9.8%0.692.39-16.3%
FY20230Cr0Cr5.0%0.752.489.4%
FY20240Cr0Cr5.9%0.802.6812.6%
FY20250Cr0Cr3.9%0.792.929.1%

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.