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 delivered good profit growth of 121.7% CAGR over last 5 years
- Company has a good return on equity (ROE) track record: 3 Years ROE 25.9%
- Company has a healthy return on capital (ROCE) of 24.5%
- Company has delivered good sales growth of 42.6% CAGR over last 5 years
- Latest quarter profit grew 51.0% YoY, showing strong momentum
CONS
- Operating cash flow has been negative in recent years
- Poor cash conversion - profits are not backed by operating cash flow (CFO/PAT -1.72x)
- Free cash flow has been persistently negative
- Equity base is being diluted - shares outstanding up 145.8%
- Total debt has risen sharply - up 93.8% year on year
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| DMART | 3667.65 | 78.22 | 239221.00 | 0.00 | 860.44 | 11.34 | 18794.53 | 14.88 | 18.03 | 7.98 |
| TRENT | 2789.70 | 82.24 | 148761.10 | 0.14 | 518.07 | 21.98 | 5754.71 | 17.84 | 36.73 | 19.45 |
| VMM | 103.30 | 54.26 | 48394.07 | 0.00 | 258.77 | 25.57 | 3727.01 | 18.68 | 19.24 | 14.61 |
| METROBRAND | 953.35 | 63.94 | 25987.63 | 0.63 | 95.26 | -3.58 | 720.36 | 14.66 | 35.77 | 29.85 |
| ABLBL | 83.94 | 58.21 | 10245.06 | 0.60 | 29.02 | 20.62 | 2045.74 | 11.15 | 27.34 | 15.06 |
| PNGJL | 613.45 | 20.26 | 9030.14 | 0.00 | 105.33 | 51.91 | 2412.98 | 40.73 | 21.80 | 7.56 |
| V2RETAIL | 218.55 | 44.61 | 7969.15 | 0.00 | 41.85 | 69.70 | 997.20 | 57.73 | 38.43 | 13.99 |
| MEDPLUS | 658.55 | 37.59 | 7911.63 | 0.00 | 33.17 | -21.67 | 1879.60 | 21.84 | 22.22 | 7.09 |
| AVL | 604.25 | 56.15 | 7803.17 | 0.21 | 77.22 | 39.99 | 1192.68 | 26.85 | 20.82 | 10.44 |
| EMIL | 192.05 | 35.84 | 7389.10 | 0.00 | 120.64 | 458.07 | 2418.95 | 39.07 | 11.84 | 9.88 |
| ETHOSLTD | 2684.65 | 69.15 | 7183.50 | 0.00 | 28.66 | 50.71 | 461.71 | 33.32 | 13.70 | 12.97 |
| VMART | 816.95 | 47.24 | 6500.91 | 0.12 | 47.21 | 40.51 | 1088.81 | 23.00 | 23.56 | 14.75 |
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
| 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1,237 | 1,359 | 1,939 | 1,498 | 1,648 | 2,002 | 2,407 | 1,574 | 1,702 | 2,154 | 3,253 | 3,531 | 2,381 | |
| 1,192 | 1,315 | 1,847 | 1,410 | 1,585 | 1,944 | 2,287 | 1,481 | 1,595 | 2,048 | 3,015 | 3,400 | 2,253 | |
| Operating Profit | 44 | 44 | 92 | 88 | 63 | 57 | 120 | 94 | 108 | 107 | 238 | 131 | 128 |
| OPM % | 3.57% | 3.22% | 4.74% | 5.86% | 3.83% | 2.85% | 4.98% | 5.95% | 6.33% | 4.95% | 7.33% | 3.71% | 5.38% |
| 1 | 2 | 1 | 2 | 2 | 5 | 8 | 15 | 13 | 36 | 24 | 31 | 10 | |
| Interest | 10 | 10 | 11 | 12 | 12 | 13 | 6 | 11 | 19 | 19 | 25 | 27 | 34 |
| Depreciation | 5 | 6 | 5 | 5 | 6 | 7 | 8 | 12 | 11 | 13 | 15 | 16 | 17 |
| Profit before Tax | 30 | 30 | 77 | 73 | 47 | 43 | 114 | 85 | 91 | 110 | 223 | 119 | 138 |
| Tax % | 27.02% | 28.11% | 25.74% | 25.09% | 26.19% | 24.93% | 25.35% | 26.57% | 25.49% | 27.24% | 25.48% | 26.68% | 25.51% |
| Net Profit | 22 | 22 | 57 | 55 | 35 | 32 | 85 | 62 | 68 | 80 | 166 | 87 | 103 |
| 4.00 | 3.90 | 10.34 | 7.64 | 2.96 | 2.39 | 6.28 | 4.60 | 5.02 | 5.87 | 12.25 | 6.41 | 7.58 |
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|
| 1,802 | 2,465 | 4,398 | 6,032 | 7,631 | 10,641 | 11,319 | |
| 1,746 | 2,367 | 4,273 | 5,764 | 7,290 | 10,038 | 10,715 | |
| Operating Profit | 56 | 97 | 126 | 268 | 340 | 603 | 604 |
| OPM % | 3.09% | 3.95% | 2.85% | 4.45% | 4.46% | 5.67% | 5.33% |
| 23 | 9 | 6 | 6 | 24 | 85 | 101 | |
| Interest | 34 | 32 | 33 | 44 | 42 | 90 | 105 |
| Depreciation | 24 | 19 | 19 | 21 | 33 | 55 | 62 |
| Profit before Tax | 21 | 56 | 79 | 208 | 290 | 543 | 589 |
| Tax % | 64.00% | 28.39% | 30.35% | 26.02% | 25.78% | 26.10% | 26.05% |
| Net Profit | 7 | 40 | 55 | 154 | 215 | 401 | 436 |
| EPS | 1.30 | 3.39 | 4.69 | 13.07 | 15.83 | 29.55 | — |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- —
- 5 Years:
- 43%
- 3 Years:
- 34%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- 122%
- 3 Years:
- 94%
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
- 1 Year:
- 2%
RETURN ON EQUITY
- 10 Years:
- —
- 5 Years:
- 22%
- 3 Years:
- 26%
- Last Year:
- 23%
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| 55 | 55 | 55 | 118 | 136 | 136 | |
| 187 | 227 | 282 | 434 | 1,433 | 1,836 | |
| 233 | 276 | 271 | 398 | 887 | 1,679 | |
| Trade Payables | 81 | 156 | 124 | 145 | 249 | 567 |
| 491 | 428 | 367 | 412 | 547 | 838 | |
| Total Liabilities | 1,047 | 1,142 | 1,100 | 1,507 | 3,252 | 5,055 |
| 184 | 178 | 173 | 199 | 280 | 371 | |
| Capital Work in Progress | 4 | 4 | 4 | 4 | 4 | 0 |
| 57 | 57 | 46 | 46 | 54 | 53 | |
| 614 | 670 | 574 | 937 | 1,996 | 3,612 | |
| 0 | 0 | 0 | 43 | 55 | 67 | |
| Cash & Bank | 21 | 44 | 43 | 75 | 522 | 498 |
| 169 | 190 | 260 | 203 | 342 | 454 | |
| Total Assets | 1,047 | 1,142 | 1,100 | 1,507 | 3,252 | 5,055 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| 120 | 38 | 143 | -3 | -689 | -635 | |
| Cash from Investing | -30 | -18 | -59 | -39 | -417 | -53 |
| Cash from Financing | -88 | -6 | -47 | 52 | 1,172 | 637 |
| -5 | 5 | 1 | 10 | 66 | -51 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| 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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PN Gadgil Jewellers Ltd.
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