Revenue GrowthSustained revenue expansion indicates the firm is growing its retail loan book (LAP, gold loans) and fee streams. Durable top-line growth supports scale economics, funds incremental investment in origination and collections, and creates a larger base for net interest income and provisioning buffers over months.
Margin StabilityConsistently healthy gross and stable EBIT/EBITDA margins suggest effective cost management and operational discipline. That stability helps preserve profitability if funding costs rise, enables reinvestment in distribution and credit controls, and improves the resilience of earnings across economic cycles.
Return On EquityA solid ROE signals management is effectively deploying shareholder capital into higher-yielding retail loans. This long-term capital efficiency supports organic growth without excessive equity issuance, bolsters retained earnings for credit loss absorption, and underpins sustainable returns to stakeholders.