Utssav CZ Gold Jewels Ltd.
•₹ 482.252.88%
2026-08-21
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
EDIT COLUMNS| S.No. | Name | CMP Rs. | P/E | Mar Cap Rs.Cr. | Div Yld % | NP Qtr Rs.Cr. | Qtr Profit Var % | Sales Qtr Rs.Cr. | Qtr Sales Var % | ROCE % | OPM % |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1. | TITAN | 5064.00 | 78.05 | 449574.91 | 0.30 | 1777.00 | 62.88 | 21356.00 | 44.16 | 21.90 | 13.54 |
| 2. | KALYANKJIL | 595.00 | 42.82 | 61448.68 | 0.42 | 348.67 | 32.03 | 10588.93 | 45.68 | 24.86 | 5.97 |
| 3. | THANGAMAYL | 5507.70 | 0.00 | 17119.04 | 0.33 | 85.09 | 86.15 | 2666.38 | 71.44 | 26.62 | 5.43 |
| 4. | BLUESTONE | 815.70 | 221.24 | 12459.77 | 0.00 | 59.61 | 271.56 | 7368.46 | 1395.59 | 9.24 | 14.50 |
| 5. | SKYGOLD | 778.10 | 35.97 | 12050.74 | 0.00 | 104.90 | 140.67 | 2012.79 | 77.93 | 23.71 | 7.79 |
| 6. | PCJEWELLER | 9.67 | 12.17 | 9430.31 | 0.00 | 221.88 | 37.02 | 877.04 | 20.99 | 6.61 | 27.54 |
| 7. | GOLDIAM | 362.80 | 25.90 | 5462.21 | 0.57 | 73.97 | 120.06 | 326.03 | 41.92 | 25.11 | 20.33 |
| 8. | SENCO | 331.65 | 9.52 | 5435.78 | 0.53 | 101.14 | -3.35 | 3056.03 | 67.34 | 22.86 | 6.97 |
| 9. | VAIBHAVGBL | 221.45 | 13.03 | 3711.89 | 2.71 | 563.83 | 1398.27 | 9170.73 | 1026.99 | 18.41 | 10.55 |
| 10. | DPABHUSHAN | 1467.25 | 81.73 | 3349.43 | 0.00 | 9.65 | 16.55 | 439.67 | -25.50 | 34.36 | 4.35 |
| 11. | SHRINGARMS | 224.95 | 0.00 | 2169.24 | 0.00 | 34.00 | 19.26 | 548.49 | 64.90 | 31.85 | 8.92 |
| 12. | UTSSAV | 478.05 | 0.00 | 1195.03 | 0.00 | — | — | — | — | 21.48 | — |
Detailed Comparison with:
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 | 7 | 14 | 23 | 40 |
| OPM % | 3 | 5 | 6 | 7 | 6 |
| Other Income | 0 | 0 | 2 | 2 | 1 |
| Interest | 1 | 2 | 4 | 5 | 6 |
| Depreciation | 0 | 0 | 1 | 1 | 1 |
| 2 | 4 | 10 | 17 | 33 | |
| Tax % | 26 | 21 | 26 | 25 | 24 |
| Net Profit | 2 | 3 | 7 | 13 | 25 |
| EPS | 1 | 2 | 4 | 8 | 11 |
| Dividend Payout % | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 |
| Share of Associates | 0 | 0 | 0 | 0 | 0 |
| Adjusted EPS | 1 | 2 | 4 | 8 | 11 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 |
| Share of Associates | 0 | 0 | 0 | 0 | 0 |
| Adjusted EPS | 1 | 2 | 4 | 8 | 11 |
Mar 2021
- 120
- 117
- Operating Profit
- 4
- OPM %
- 3
- Other Income
- 0
- Interest
- 1
- Depreciation
- 0
- 2
- Tax %
- 26
- Net Profit
- 2
- EPS
- 1
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 1
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 1
Mar 2022
- 123
- 117
- Operating Profit
- 7
- OPM %
- 5
- Other Income
- 0
- Interest
- 2
- Depreciation
- 0
- 4
- Tax %
- 21
- Net Profit
- 3
- EPS
- 2
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 2
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 2
Mar 2023
- 238
- 226
- Operating Profit
- 14
- OPM %
- 6
- Other Income
- 2
- Interest
- 4
- Depreciation
- 1
- 10
- Tax %
- 26
- Net Profit
- 7
- EPS
- 4
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 4
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 4
Mar 2024
- 340
- 319
- Operating Profit
- 23
- OPM %
- 7
- Other Income
- 2
- Interest
- 5
- Depreciation
- 1
- 17
- Tax %
- 25
- Net Profit
- 13
- EPS
- 8
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 8
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 8
Mar 2025
- 646
- 607
- Operating Profit
- 40
- OPM %
- 6
- Other Income
- 1
- Interest
- 6
- Depreciation
- 1
- 33
- Tax %
- 24
- Net Profit
- 25
- EPS
- 11
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 11
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 11
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 | |
|---|---|---|---|---|---|
| LIABILITIES | - | - | - | - | - |
| Equity Capital | 4 | 4 | 4 | 17 | 24 |
| 8 | 11 | 18 | 18 | 103 | |
| 15 | 24 | 40 | 66 | 119 | |
| Trade Payables | 0 | 0 | 0 | 0 | 2 |
| 18 | 17 | 20 | 19 | 22 | |
| Total Liabilities | 44 | 56 | 82 | 121 | 269 |
| ASSETS | - | - | - | - | - |
| 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 |
| Total Debt | 30 | 36 | 50 | 73 | 130 |
| Net Working Capital | 18 | 17 | 22 | 28 | 128 |
| Contingent Liabilities | 0 | 0 | 0 | 0 | 0 |
| Book Value per Share | 27.99 | 35.94 | 53.27 | 20.96 | 53.23 |
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Total Debt | 30 | 36 | 50 | 73 | 130 |
| Net Working Capital | 18 | 17 | 22 | 28 | 128 |
| Contingent Liabilities | 0 | 0 | 0 | 0 | 0 |
| Book Value per Share | 27.99 | 35.94 | 53.27 | 20.96 | 53.23 |
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
Mar 2021
- Equity Capital
- 4
- 8
- 15
- Trade Payables
- 0
- 18
- Total Liabilities
- 44
- 9
- 10
- 0
- Cash & Bank
- 0
- 25
- Total Assets
- 44
- Total Debt
- 30
- Net Working Capital
- 18
- Contingent Liabilities
- 0
- Book Value per Share
- 27.99
- Face Value
- 10.00
- Total Debt
- 30
- Net Working Capital
- 18
- Contingent Liabilities
- 0
- Book Value per Share
- 27.99
- Face Value
- 10.00
Mar 2022
- Equity Capital
- 4
- 11
- 24
- Trade Payables
- 0
- 17
- Total Liabilities
- 56
- 10
- 19
- 0
- Cash & Bank
- 0
- 26
- Total Assets
- 56
- Total Debt
- 36
- Net Working Capital
- 17
- Contingent Liabilities
- 0
- Book Value per Share
- 35.94
- Face Value
- 10.00
- Total Debt
- 36
- Net Working Capital
- 17
- Contingent Liabilities
- 0
- Book Value per Share
- 35.94
- Face Value
- 10.00
Mar 2023
- Equity Capital
- 4
- 18
- 40
- Trade Payables
- 0
- 20
- Total Liabilities
- 82
- 10
- 24
- 0
- Cash & Bank
- 0
- 48
- Total Assets
- 82
- Total Debt
- 50
- Net Working Capital
- 22
- Contingent Liabilities
- 0
- Book Value per Share
- 53.27
- Face Value
- 10.00
- Total Debt
- 50
- Net Working Capital
- 22
- Contingent Liabilities
- 0
- Book Value per Share
- 53.27
- Face Value
- 10.00
Mar 2024
- Equity Capital
- 17
- 18
- 66
- Trade Payables
- 0
- 19
- Total Liabilities
- 121
- 12
- 22
- 57
- Cash & Bank
- 25
- 6
- Total Assets
- 121
- Total Debt
- 73
- Net Working Capital
- 28
- Contingent Liabilities
- 0
- Book Value per Share
- 20.96
- Face Value
- 10.00
- Total Debt
- 73
- Net Working Capital
- 28
- Contingent Liabilities
- 0
- Book Value per Share
- 20.96
- Face Value
- 10.00
Mar 2025
- Equity Capital
- 24
- 103
- 119
- Trade Payables
- 2
- 22
- Total Liabilities
- 269
- 8
- 84
- 109
- Cash & Bank
- 56
- 12
- Total Assets
- 269
- Total Debt
- 130
- Net Working Capital
- 128
- Contingent Liabilities
- 0
- Book Value per Share
- 53.23
- Face Value
- 10.00
- Total Debt
- 130
- Net Working Capital
- 128
- Contingent Liabilities
- 0
- Book Value per Share
- 53.23
- Face Value
- 10.00
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|
| -14 | -2 | -12 | 7 | -89 | |
| Cash from Investing | 0 | -2 | 1 | -1 | 3 |
| Cash from Financing | 14 | 4 | 10 | 19 | 118 |
| -0 | 0 | 0 | 24 | 32 | |
| Free Cash Flow | -14 | -4 | -12 | 1 | -89 |
| OCF / Net Profit | -8.92 | -0.62 | -1.61 | 0.53 | -3.56 |
| Cumulative 5-Year FCF | 0 | 0 | 0 | 0 | 0 |
| OCF / Net Profit | -8.92 | -0.62 | -1.61 | 0.53 | -3.56 |
| Cumulative 5-Year FCF | 0 | 0 | 0 | 0 | 0 |
Mar 2021
- -14
- Cash from Investing
- 0
- Cash from Financing
- 14
- -0
- Free Cash Flow
- -14
- OCF / Net Profit
- -8.92
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- -8.92
- Cumulative 5-Year FCF
- 0
Mar 2022
- -2
- Cash from Investing
- -2
- Cash from Financing
- 4
- 0
- Free Cash Flow
- -4
- OCF / Net Profit
- -0.62
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- -0.62
- Cumulative 5-Year FCF
- 0
Mar 2023
- -12
- Cash from Investing
- 1
- Cash from Financing
- 10
- 0
- Free Cash Flow
- -12
- OCF / Net Profit
- -1.61
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- -1.61
- Cumulative 5-Year FCF
- 0
Mar 2024
- 7
- Cash from Investing
- -1
- Cash from Financing
- 19
- 24
- Free Cash Flow
- 1
- OCF / Net Profit
- 0.53
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- 0.53
- Cumulative 5-Year FCF
- 0
Mar 2025
- -89
- Cash from Investing
- 3
- Cash from Financing
- 118
- 32
- Free Cash Flow
- -89
- OCF / Net Profit
- -3.56
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- -3.56
- Cumulative 5-Year FCF
- 0
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 |
Mar 2021
- EPS (₹)
- 3.85
- Book Value (₹)
- 27.99
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 1.15
- Operating Margin %
- 3.01%
- Net Margin %
- 1.35%
- ROE %
- 13.77%
- ROCE %
- 7.87%
- 3.67%
- Debtor Days
- 65
- Inventory Days
- 31
- Payable Days
- 1
- 95
- Debt to Equity (x)
- 2.57x
- Interest Coverage (x)
- 3.00x
- 2.09x
- Revenue Growth %
- 0.00%
- Operating Profit Growth %
- 0.00%
- Net Profit Growth %
- 0.00%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2022
- EPS (₹)
- 7.95
- Book Value (₹)
- 35.94
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 2.25
- Operating Margin %
- 5.37%
- Net Margin %
- 2.71%
- ROE %
- 24.88%
- ROCE %
- 13.31%
- 6.67%
- Debtor Days
- 65
- Inventory Days
- 44
- Payable Days
- 1
- 108
- Debt to Equity (x)
- 2.39x
- Interest Coverage (x)
- 3.12x
- 1.58x
- Revenue Growth %
- 2.55%
- Operating Profit Growth %
- 83.04%
- Net Profit Growth %
- 106.31%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2023
- EPS (₹)
- 17.02
- Book Value (₹)
- 53.27
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 4.59
- Operating Margin %
- 5.83%
- Net Margin %
- 3.00%
- ROE %
- 38.17%
- ROCE %
- 21.65%
- 10.37%
- Debtor Days
- 42
- Inventory Days
- 33
- Payable Days
- 0
- 74
- Debt to Equity (x)
- 2.22x
- Interest Coverage (x)
- 3.58x
- 1.44x
- Revenue Growth %
- 93.18%
- Operating Profit Growth %
- 109.58%
- Net Profit Growth %
- 114.09%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2024
- EPS (₹)
- 7.65
- Book Value (₹)
- 20.96
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 8.00
- Operating Margin %
- 6.25%
- Net Margin %
- 3.78%
- ROE %
- 44.62%
- ROCE %
- 24.77%
- 12.66%
- Debtor Days
- 47
- Inventory Days
- 25
- Payable Days
- 0
- 72
- Debt to Equity (x)
- 2.07x
- Interest Coverage (x)
- 4.34x
- 1.35x
- Revenue Growth %
- 42.83%
- Operating Profit Growth %
- 64.93%
- Net Profit Growth %
- 79.70%
- -55.07%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 2.84x
Mar 2025
- EPS (₹)
- 10.52
- Book Value (₹)
- 53.23
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 10.99
- Operating Margin %
- 6.03%
- Net Margin %
- 3.88%
- ROE %
- 30.94%
- ROCE %
- 21.48%
- 12.83%
- Debtor Days
- 47
- Inventory Days
- 30
- Payable Days
- 1
- 76
- Debt to Equity (x)
- 1.03x
- Interest Coverage (x)
- 6.33x
- 1.97x
- Revenue Growth %
- 89.98%
- Operating Profit Growth %
- 76.15%
- Net Profit Growth %
- 95.05%
- 37.58%
- P/E (x)
- 19.01x
- P/B (x)
- 3.76x
- Dividend Yield %
- 0.00%
- 13.65x
Documents
Announcements
Nothing filed yet.
Annual Reports
Credit Ratings
Nothing filed yet.
Concalls
May 2026
Nov 2025