Utssav CZ Gold Jewels Ltd.

•

utssavjewels.comBSE: -NSE: UTSSAV

Market Cap₹ 1,171 Cr.

Current Price

High / Low₹ 568 / 160

Stock P/E19.8

Book Value₹ 51

Price to Book3.76

Dividend Yield0.00 %

ROCE21.5 %

ROE30.9 %

Face Value₹ 10

Add ratio to table

ABOUT

AI Sector View

AI GENERATED

Consumer Durables

Buy

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.

Confidence

76%

View full sector analysis →

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

Consumer DurablesDiamond & JewelleryDiamond & Jewellery

Part ofNIFTY 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name
1.	TITAN	5010.00	77.22	444780.87	0.30	1777.00	62.88	21356.00	44.16	21.90	13.54
2.	KALYANKJIL	598.50	43.07	61810.15	0.42	348.67	32.03	10588.93	45.68	24.86	5.97
3.	LALITHAA	307.90	17.07	17233.47	0.00	—	—	—	—	43.11	—
4.	THANGAMAYL	5331.40	42.38	16571.07	0.34	85.09	86.15	2666.38	71.44	26.62	5.43
5.	BLUESTONE	842.65	228.59	12873.90	0.00	59.61	271.56	7368.46	1395.59	9.24	14.50
6.	SKYGOLD	781.15	36.11	12097.97	0.00	104.90	140.67	2012.79	77.93	23.60	7.79
7.	PCJEWELLER	11.90	14.98	11605.04	0.00	221.88	37.02	877.04	20.99	6.61	27.54
8.	AUGMONT	904.80	24.76	8267.47	0.00	—	—	—	—	70.86	—
9.	SENCO	358.25	10.29	5871.75	0.49	101.14	-3.35	3056.03	67.34	22.86	6.97
10.	GOLDIAM	345.15	24.64	5196.48	0.60	73.97	120.06	326.03	41.92	24.85	20.33
11.	VAIBHAVGBL	218.65	12.86	3664.96	2.74	563.83	1398.27	9170.73	1026.99	18.41	10.55
12.	UTSSAV	468.30	19.82	1170.66	0.00	—	—	—	—	21.48	—

Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

No standalone quarterly results found

We don't have this information yet. Please check back later.

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	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

Standalone Figures in Rs. Crores / View Consolidated

	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

Standalone Figures in Rs. Crores / View Consolidated

	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

Standalone Figures in Rs. Crores / View Consolidated

	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

Shareholding Pattern

Numbers in percentages

	Sep 2024	Mar 2025	Sep 2025	Mar 2026
	70.52	70.54	69.57	70.30
	2.98	1.34	0.64	0.36
	0.41	0.00	0.00	0.00
Government	0.00	0.00	0.00	0.00
	26.10	28.12	29.79	29.33

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

No announcements filed.

News

Recent coverage and analyst commentary for UTSSAV

Loading news…

🤖

AI Stock Analyst

Utssav CZ Gold Jewels Ltd.

🔒

Sign in to Chat with AI

✨ Sign In to Chat

Free 5nance Account

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

—

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

120

123

238

340

646

117

226

319

607

Operating Profit

OPM %

2.94%

5.27%

5.19%

6.25%

6.03%

Interest

Depreciation

Profit before Tax

Tax %

26.40%

20.65%

25.60%

25.18%

24.12%

Net Profit

EPS

0.96

1.99

4.26

7.65

10.52

Dividend Payout %

0.00%

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Equity Capital

103

129

Trade Payables

Total Liabilities

121

269

109

Cash & Bank

Total Assets

121

269

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

-14

-1

-9

-89

Cash from Investing

-2

-1

Cash from Financing

118

-0

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

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

Inventory Days

Payable Days

108

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%

-55.07%

37.58%

VALUATION

P/E (x)

0.00x

19.01x

P/B (x)

0.00x

3.76x

Dividend Yield %

0.00%

0.00x

2.84x

13.65x

Sep 2024

Mar 2025

Sep 2025

Mar 2026

70.52

70.54

69.57

70.30

2.98

1.34

0.64

0.36

0.41

0.00

Government

0.00

26.10

28.12

29.79

29.33

Utssav CZ Gold Jewels Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI

Utssav CZ Gold Jewels Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI