PN Gadgil Jewellers Ltd.
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ABOUT
AI Sector View
AI GENERATEDConsumer Durables
Urban discretionary demand is mixed but investable. Credit card transactions rose 27.0% YoY (2026-06), urban CMIE sentiment was 109.5 (2026-07), and consumer spending remained large at INR 44743 billion (Jun/26), even though formal consumer confidence fell to 88.3 points (Jul/26) and debit card transactions were -9.0% YoY (2026-06). Heavy sector inflows of INR 13175 crore over 3 months to 2026-08-31 indicate strong investor positioning behind the theme.
PROS
- Company has a good return on equity (ROE) track record: 3 Years ROE 27.0%
- Company has a healthy return on capital (ROCE) of 24.9%
- Company has consistently been profitable over the last 5 years
- Latest quarter profit grew 51.9% YoY, showing strong momentum
- Company has delivered good sales growth of 41.0% CAGR over last 5 years
CONS
- Operating cash flow has been negative in recent years
- Poor cash conversion - profits are not backed by operating cash flow (CFO/PAT -1.77x)
- Free cash flow has been persistently negative
- Equity base is being diluted - shares outstanding up 145.8%
- Total debt has risen sharply - up 91.9% year on year
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| DMART | 3687.90 | 78.66 | 240541.79 | 0.00 | 860.44 | 11.34 | 18794.53 | 14.88 | 18.03 | 7.98 |
| TRENT | 2804.40 | 82.67 | 149544.98 | 0.14 | 518.07 | 21.98 | 5754.71 | 17.84 | 36.73 | 19.45 |
| VMM | 101.50 | 53.31 | 47550.81 | 0.00 | 258.77 | 25.57 | 3727.01 | 18.68 | 19.24 | 14.61 |
| METROBRAND | 939.90 | 63.04 | 25622.76 | 0.64 | 95.26 | -3.58 | 720.36 | 14.66 | 35.77 | 29.85 |
| ABLBL | 83.43 | 57.86 | 10182.81 | 0.60 | 29.02 | 20.62 | 2045.74 | 11.15 | 27.34 | 15.06 |
| PNGJL | 613.50 | 20.26 | 9030.88 | 0.00 | 105.33 | 51.91 | 2412.98 | 40.73 | 21.80 | 7.56 |
| V2RETAIL | 218.05 | 44.50 | 7950.92 | 0.00 | 41.85 | 69.70 | 997.20 | 57.73 | 38.43 | 13.99 |
| AVL | 614.65 | 57.11 | 7937.47 | 0.20 | 77.22 | 39.99 | 1192.68 | 26.85 | 20.82 | 10.44 |
| MEDPLUS | 660.40 | 37.70 | 7933.85 | 0.00 | 33.17 | -21.67 | 1879.60 | 21.84 | 22.22 | 7.09 |
| EMIL | 188.35 | 35.15 | 7246.74 | 0.00 | 120.64 | 458.07 | 2418.95 | 39.07 | 11.84 | 9.88 |
| ETHOSLTD | 2639.25 | 67.99 | 7062.02 | 0.00 | 28.66 | 50.71 | 461.71 | 33.32 | 13.70 | 12.97 |
| VMART | 808.10 | 46.73 | 6430.49 | 0.12 | 47.21 | 40.51 | 1088.81 | 23.00 | 23.56 | 14.75 |
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1,257 | 1,372 | 1,972 | 1,512 | 1,668 | 2,001 | 2,436 | 1,588 | 1,715 | 2,178 | 3,303 | 3,544 | 2,413 | |
| 1,212 | 1,326 | 1,880 | 1,423 | 1,604 | 1,947 | 2,313 | 1,494 | 1,605 | 2,070 | 3,058 | 3,409 | 2,282 | |
| Operating Profit | 45 | 45 | 92 | 89 | 64 | 54 | 123 | 94 | 110 | 107 | 244 | 135 | 131 |
| OPM % | 3.55% | 3.30% | 4.67% | 5.88% | 3.86% | 2.70% | 5.03% | 5.93% | 6.41% | 4.92% | 7.40% | 3.81% | 5.41% |
| 1 | 2 | 2 | 2 | 2 | 12 | 7 | 15 | 13 | 36 | 24 | 31 | 10 | |
| Interest | 10 | 11 | 11 | 12 | 12 | 13 | 6 | 11 | 19 | 20 | 25 | 28 | 34 |
| Depreciation | 6 | 6 | 6 | 5 | 6 | 7 | 8 | 13 | 11 | 14 | 15 | 17 | 18 |
| Profit before Tax | 30 | 30 | 77 | 73 | 48 | 46 | 115 | 85 | 93 | 109 | 228 | 122 | 141 |
| Tax % | 26.97% | 27.72% | 25.57% | 25.15% | 25.97% | 23.81% | 25.19% | 26.69% | 25.21% | 27.34% | 25.07% | 25.96% | 25.08% |
| Net Profit | 0 | 0 | 0 | 0 | 35 | 35 | 86 | 62 | 69 | 79 | 171 | 90 | 105 |
| 4.01 | 3.98 | 10.44 | 7.68 | 2.99 | 2.57 | 6.34 | 4.57 | 5.11 | 5.84 | 12.59 | 6.65 | 7.76 |
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|
| 1,930 | 2,556 | 4,508 | 6,112 | 7,693 | 10,739 | 11,438 | |
| 1,877 | 2,443 | 4,383 | 5,839 | 7,350 | 10,121 | 10,820 | |
| Operating Profit | 53 | 113 | 124 | 273 | 344 | 618 | 617 |
| OPM % | 2.75% | 4.42% | 2.76% | 4.47% | 4.47% | 5.75% | 5.40% |
| 19 | 31 | 52 | 7 | 29 | 85 | 101 | |
| Interest | 39 | 37 | 36 | 47 | 45 | 93 | 107 |
| Depreciation | 27 | 22 | 22 | 23 | 35 | 57 | 64 |
| Profit before Tax | 7 | 85 | 118 | 209 | 293 | 552 | 600 |
| Tax % | 200.95% | 18.25% | 20.65% | 25.92% | 25.53% | 25.74% | 25.66% |
| Net Profit | -7 | 70 | 94 | 155 | 218 | 410 | 446 |
| EPS | -1.17 | 5.89 | 7.94 | 13.15 | 16.08 | 30.20 | — |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- —
- 5 Years:
- 41%
- 3 Years:
- 34%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- 230%
- 3 Years:
- 77%
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
- 1 Year:
- 2%
RETURN ON EQUITY
- 10 Years:
- —
- 5 Years:
- 29%
- 3 Years:
- 27%
- Last Year:
- 23%
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| 55 | 55 | 55 | 118 | 136 | 136 | |
| Minority Interest | -39 | -27 | -8 | 0 | 0 | 0 |
| 135 | 191 | 256 | 416 | 1,418 | 1,827 | |
| 299 | 308 | 299 | 426 | 913 | 1,709 | |
| Trade Payables | 74 | 170 | 132 | 149 | 256 | 576 |
| 502 | 430 | 370 | 416 | 551 | 847 | |
| Total Liabilities | 1,025 | 1,127 | 1,104 | 1,524 | 3,274 | 5,094 |
| 242 | 234 | 208 | 242 | 322 | 410 | |
| Capital Work in Progress | 4 | 4 | 4 | 4 | 4 | 0 |
| 1 | 1 | 1 | 1 | 9 | 8 | |
| 638 | 704 | 597 | 959 | 2,021 | 3,655 | |
| 0 | 0 | 0 | 38 | 50 | 63 | |
| Cash & Bank | 22 | 45 | 49 | 80 | 529 | 504 |
| 119 | 140 | 245 | 201 | 341 | 453 | |
| Total Assets | 1,025 | 1,127 | 1,104 | 1,524 | 3,274 | 5,094 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| 140 | 82 | 141 | 6 | -675 | -717 | |
| Cash from Investing | -26 | -22 | -45 | -49 | -424 | -54 |
| Cash from Financing | -128 | -46 | -55 | 51 | 1,167 | 719 |
| -7 | 5 | 5 | 9 | 68 | -52 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-07 - P N Gadgil Jewellers Limited has informed the Exchange about Copy of Newspaper Publication
2026-09-05 - P N Gadgil Jewellers Limited has informed the Exchange regarding 'Letter to Shareholders - Weblink of the Annual Report for the Financial Year 2025-26'.
2026-09-05 - P N Gadgil Jewellers Limited has informed the Exchange regarding 'Business Responsibility and Sustainability Report for the Financial Year 2025-26'.
2026-09-05 - P N Gadgil Jewellers Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on September 28, 2026
2026-08-31 - P N Gadgil Jewellers Limited has informed the Exchange about Copy of Newspaper Publication
2026-08-20 - P N Gadgil Jewellers Limited has informed the Exchange about Acquisition
2026-08-20 - P N Gadgil Jewellers Limited has informed the Exchange regarding Revised Outcome of Board Meeting held on August 20, 2026.
2026-08-20 - P N Gadgil Jewellers Limited has informed the Exchange about Acquisition
2026-08-20 - P N Gadgil Jewellers Limited has informed the Exchange regarding Outcome of Board Meeting held on August 20, 2026.
News
Recent coverage and analyst commentary for PNGJL
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