DuPont Decomposition

Why does VAIBHAVGBL earn its ROE?

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

ROE = Net Margin × Asset Turnover × Equity Multiplier

11.4% = 4.6% × 1.65 × 1.51

Latest: FY2025

Profitability

Net Margin

4.6%

3.4% →4.6%

How much profit per ₹ of revenue

Efficiency

Asset Turnover

1.65x

0.39x →1.65x

Revenue per ₹ of assets

Leverage

Equity Multiplier

1.51x

1.49x →1.51x

Assets funded by equity vs debt

Trend Analysis

ROE improved by 9.4 pp over 3 years. Driven by net margin improving (3.4% → 4.6%), asset turnover improving (0.39x → 1.65x).

Historical Decomposition

Last 3 years

YearRevenuePATNet MarginAsset TOLeverageROE
FY20230Cr0Cr3.4%0.391.491.9%
FY20240Cr0Cr16.9%0.151.313.4%
FY20250Cr0Cr4.6%1.651.5111.4%

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.