Utssav CZ Gold Jewels 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 37.9%
- Company has a healthy return on capital (ROCE) of 22.6%
- Attractively priced for its growth - PEG of 0.2
- Company comfortably covers its interest (6.3x coverage)
- Company converts assets efficiently - asset turnover of 3.3x
CONS
- Operating cash flow has been negative in recent years
- Poor cash conversion - profits are not backed by operating cash flow (CFO/PAT -2.08x)
- Equity base is being diluted - shares outstanding up 467.1%
- Working capital days have increased from 30 to 72 days
- Total debt has risen sharply - up 78.8% year on year
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| TITAN | 5010.00 | 77.22 | 444780.87 | 0.30 | 1777.00 | 62.88 | 21356.00 | 44.16 | 21.90 | 13.54 |
| KALYANKJIL | 598.50 | 43.07 | 61810.15 | 0.42 | 348.67 | 32.03 | 10588.93 | 45.68 | 24.86 | 5.97 |
| LALITHAA | 307.90 | 17.07 | 17233.47 | 0.00 | — | — | — | — | 43.11 | — |
| THANGAMAYL | 5331.40 | 42.38 | 16571.07 | 0.34 | 85.09 | 86.15 | 2666.38 | 71.44 | 26.62 | 5.43 |
| BLUESTONE | 842.65 | 228.59 | 12873.90 | 0.00 | 59.61 | 271.56 | 7368.46 | 1395.59 | 9.24 | 14.50 |
| SKYGOLD | 781.15 | 36.11 | 12097.97 | 0.00 | 104.90 | 140.67 | 2012.79 | 77.93 | 23.60 | 7.79 |
| PCJEWELLER | 11.90 | 14.98 | 11605.04 | 0.00 | 221.88 | 37.02 | 877.04 | 20.99 | 6.61 | 27.54 |
| AUGMONT | 904.80 | 24.76 | 8267.47 | 0.00 | — | — | — | — | 70.86 | — |
| SENCO | 358.25 | 10.29 | 5871.75 | 0.49 | 101.14 | -3.35 | 3056.03 | 67.34 | 22.86 | 6.97 |
| GOLDIAM | 345.15 | 24.64 | 5196.48 | 0.60 | 73.97 | 120.06 | 326.03 | 41.92 | 24.85 | 20.33 |
| VAIBHAVGBL | 218.65 | 12.86 | 3664.96 | 2.74 | 563.83 | 1398.27 | 9170.73 | 1026.99 | 18.41 | 10.55 |
| UTSSAV | 468.30 | 19.82 | 1170.66 | 0.00 | — | — | — | — | 21.48 | — |
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
No quarterly results found
We don't have this information yet. Please check back later.
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|
| 120 | 123 | 238 | 340 | 646 | |
| 117 | 117 | 226 | 319 | 607 | |
| Operating Profit | 4 | 6 | 12 | 21 | 39 |
| OPM % | 2.94% | 5.27% | 5.19% | 6.25% | 6.03% |
| 0 | 0 | 2 | 2 | 1 | |
| Interest | 1 | 2 | 4 | 5 | 6 |
| Depreciation | 0 | 0 | 1 | 1 | 1 |
| Profit before Tax | 2 | 4 | 10 | 17 | 33 |
| Tax % | 26.40% | 20.65% | 25.60% | 25.18% | 24.12% |
| Net Profit | 2 | 3 | 7 | 13 | 25 |
| EPS | 0.96 | 1.99 | 4.26 | 7.65 | 10.52 |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
COMPOUNDED SALES GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- 74%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- 96%
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
- 1 Year:
- 22%
RETURN ON EQUITY
- 10 Years:
- —
- 5 Years:
- 30%
- 3 Years:
- 38%
- Last Year:
- 31%
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|
| Equity Capital | 4 | 4 | 4 | 17 | 24 |
| 8 | 11 | 18 | 18 | 103 | |
| 30 | 36 | 50 | 72 | 129 | |
| Trade Payables | 0 | 0 | 0 | 0 | 2 |
| 2 | 5 | 10 | 14 | 12 | |
| Total Liabilities | 44 | 56 | 82 | 121 | 269 |
| 9 | 10 | 10 | 12 | 8 | |
| 10 | 19 | 24 | 22 | 84 | |
| 0 | 0 | 0 | 57 | 109 | |
| Cash & Bank | 0 | 0 | 0 | 25 | 56 |
| 25 | 26 | 48 | 6 | 12 | |
| Total Assets | 44 | 56 | 82 | 121 | 269 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|
| -14 | -1 | -9 | 7 | -89 | |
| Cash from Investing | 0 | -2 | 1 | -1 | 3 |
| Cash from Financing | 14 | 4 | 10 | 19 | 118 |
| -0 | 0 | 0 | 24 | 32 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|
| PER SHARE | |||||
| EPS (₹) | 3.85 | 7.95 | 17.02 | 7.65 | 10.52 |
| Book Value (₹) | 27.99 | 35.94 | 53.27 | 20.96 | 53.23 |
| Dividend per Share (₹) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash EPS (₹) | 1.15 | 2.25 | 4.59 | 8.00 | 10.99 |
| PROFITABILITY | |||||
| Operating Margin % | 3.01% | 5.37% | 5.83% | 6.25% | 6.03% |
| Net Margin % | 1.35% | 2.71% | 3.00% | 3.78% | 3.88% |
| ROE % | 13.77% | 24.88% | 38.17% | 44.62% | 30.94% |
| ROCE % | 7.87% | 13.31% | 21.65% | 24.77% | 21.48% |
| 3.67% | 6.67% | 10.37% | 12.66% | 12.83% | |
| EFFICIENCY | |||||
| Debtor Days | 65 | 65 | 42 | 47 | 47 |
| Inventory Days | 31 | 44 | 33 | 25 | 30 |
| Payable Days | 1 | 1 | 0 | 0 | 1 |
| 95 | 108 | 74 | 72 | 76 | |
| FINANCIAL HEALTH | |||||
| Debt to Equity (x) | 2.57x | 2.39x | 2.22x | 2.07x | 1.03x |
| Interest Coverage (x) | 3.00x | 3.12x | 3.58x | 4.34x | 6.33x |
| 2.09x | 1.58x | 1.44x | 1.35x | 1.97x | |
| GROWTH | |||||
| Revenue Growth % | 0.00% | 2.55% | 93.18% | 42.83% | 89.98% |
| Operating Profit Growth % | 0.00% | 83.04% | 109.58% | 64.93% | 76.15% |
| Net Profit Growth % | 0.00% | 106.31% | 114.09% | 79.70% | 95.05% |
| 0.00% | 0.00% | 0.00% | -55.07% | 37.58% | |
| VALUATION | |||||
| P/E (x) | 0.00x | 0.00x | 0.00x | 0.00x | 19.01x |
| P/B (x) | 0.00x | 0.00x | 0.00x | 0.00x | 3.76x |
| Dividend Yield % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| 0.00x | 0.00x | 0.00x | 2.84x | 13.65x |
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
No announcements filed.
News
Recent coverage and analyst commentary for UTSSAV
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