Utssav CZ Gold Jewels Key Ratios
NSE: UTSSAV
₹491.40
₹23.10
(4.93%)
As on 07-Sep-2026IST
Market cap
₹1,228 Cr
Revenue (TTM)
₹646 Cr
P/E Ratio
20.8
P/B Ratio
9.6
Div. Yield
0 %
Key Ratios and Highlights
| Growth Score (%) | Quarterly | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | QoQ | YoY | 1-Year | 3-Years | 5-Years |
| Revenue | -- | -- | 89.98 | 73.71 | -- |
| EBIT | -- | -- | 83.30 | 84.15 | -- |
| Net Profit | -- | -- | 95.05 | 95.78 | -- |
| EPS | -- | -- | 37.58 | 74.27 | -- |
| Book Value | -- | -- | 153.92 | 80.95 | -- |
| Key Ratios (%) | Average | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | 3-Years | 5-Years | Mar-25 | Mar-24 | Mar-23 |
| EBIT-Margin
| 5.63 | -- | 5.86 | 6.07 | 4.96 |
| Net Margin
| 3.54 | -- | 3.87 | 3.76 | 2.98 |
| Return on equity
| 37.91 | -- | 30.94 | 44.62 | 38.17 |
| Return on Capital
| 22.63 | -- | 21.48 | 24.77 | 21.65 |
| Return on Assets
| 11.95 | -- | 12.83 | 12.66 | 10.37 |
| Debt to Equity (x)
| -- | -- | 1.03 | 2.07 | 2.22 |
Profitability
ROCE
21.48
Higher than Peers by 1.88
Earning before interest and taxes / (Average net worth + Average total Debt) * 100
|
Company Name
|
Mar-25
|
Mar-24
|
Mar-23
|
Mar-22
|
Mar-21
|
|---|---|---|---|---|---|
|
Utssav CZ Gold Jewels
|
21.48
|
24.77
|
21.65
|
13.31
|
7.87
|
|
Peer Median
|
19.60
|
14.33
|
12.13
|
11.56
|
--
|
ROE
30.94
Higher than Peers by 12.21
Profit after tax / Average Net worth * 100
|
Company Name
|
Mar-25
|
Mar-24
|
Mar-23
|
Mar-22
|
Mar-21
|
|---|---|---|---|---|---|
|
Utssav CZ Gold Jewels
|
30.94
|
44.62
|
38.17
|
24.88
|
13.77
|
|
Peer Median
|
18.72
|
14.72
|
12.17
|
8.62
|
--
|
ROA
12.83
Higher than Peers by 4.33
Profit after tax / Average Total assets * 100
|
Company Name
|
Mar-25
|
Mar-24
|
Mar-23
|
Mar-22
|
Mar-21
|
|---|---|---|---|---|---|
|
Utssav CZ Gold Jewels
|
12.83
|
12.66
|
10.37
|
6.67
|
3.67
|
|
Peer Median
|
8.50
|
6.12
|
4.59
|
3.16
|
--
|
EBIT Margin
5.86
Lower than Peers by 0.52
Operating profit (EBIT) / Net Sales * 100
|
Company Name
|
Mar-25
|
Mar-24
|
Mar-23
|
Mar-22
|
Mar-21
|
|---|---|---|---|---|---|
|
Utssav CZ Gold Jewels
|
5.86
|
6.07
|
4.96
|
4.92
|
2.68
|
|
Peer Median
|
6.38
|
6.02
|
3.77
|
5.59
|
--
|
Net Margin
3.87
Higher than Peers by 0.42
Net profit / Total Income (Net sales plus other income) * 100
|
Company Name
|
Mar-25
|
Mar-24
|
Mar-23
|
Mar-22
|
Mar-21
|
|---|---|---|---|---|---|
|
Utssav CZ Gold Jewels
|
3.87
|
3.76
|
2.98
|
2.71
|
1.35
|
|
Peer Median
|
3.45
|
2.99
|
2.12
|
2.50
|
--
|
Cash Profit Margin
4.05
--
(Net profit + Depreciation) / Gross Sales * 100
|
Company Name
|
Mar-25
|
Mar-24
|
Mar-23
|
Mar-22
|
Mar-21
|
|---|---|---|---|---|---|
|
Utssav CZ Gold Jewels
|
4.05
|
3.95
|
3.23
|
3.06
|
1.61
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Revenue Growth
89.98
Higher than Peers by 66.15
Year on year growth in net sales
|
Company Name
|
Mar-25
|
Mar-24
|
Mar-23
|
Mar-22
|
Mar-21
|
|---|---|---|---|---|---|
|
Utssav CZ Gold Jewels
|
89.98
|
42.83
|
93.18
|
2.55
|
--
|
|
Peer Median
|
23.84
|
25.90
|
24.53
|
46.76
|
--
|
EBIT Growth
83.30
Higher than Peers by 58.88
Year on year growth in operating profit (EBIT)
|
Company Name
|
Mar-25
|
Mar-24
|
Mar-23
|
Mar-22
|
Mar-21
|
|---|---|---|---|---|---|
|
Utssav CZ Gold Jewels
|
83.30
|
75.04
|
94.62
|
88.32
|
--
|
|
Peer Median
|
24.42
|
28.80
|
6.70
|
66.92
|
--
|
Net Profit Growth
95.05
Higher than Peers by 70.18
Year on year growth in profit after tax
|
Company Name
|
Mar-25
|
Mar-24
|
Mar-23
|
Mar-22
|
Mar-21
|
|---|---|---|---|---|---|
|
Utssav CZ Gold Jewels
|
95.05
|
79.70
|
114.09
|
106.31
|
--
|
|
Peer Median
|
24.87
|
36.51
|
-0.63
|
134.49
|
--
|
EPS Growth
37.58
Higher than Peers by 19.24
Year on year growth in earnings per share
|
Company Name
|
Mar-25
|
Mar-24
|
Mar-23
|
Mar-22
|
Mar-21
|
|---|---|---|---|---|---|
|
Utssav CZ Gold Jewels
|
37.58
|
79.70
|
114.09
|
106.31
|
--
|
|
Peer Median
|
18.33
|
--
|
-10.20
|
135.09
|
--
|
Book Value Growth
259.99
--
Year on year growth in book value per share
|
Company Name
|
Mar-25
|
Mar-24
|
Mar-23
|
Mar-22
|
Mar-21
|
|---|---|---|---|---|---|
|
Utssav CZ Gold Jewels
|
259.99
|
57.43
|
48.23
|
28.41
|
--
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Solvency
Debt to Equity
1.03
Higher than Peers by 0.36
Total debt / Net worth
|
Company Name
|
Mar-25
|
Mar-24
|
Mar-23
|
Mar-22
|
Mar-21
|
|---|---|---|---|---|---|
|
Utssav CZ Gold Jewels
|
1.03
|
2.07
|
2.22
|
2.39
|
2.57
|
|
Peer Median
|
0.66
|
0.87
|
0.61
|
0.58
|
--
|
Short term debt to equity ratio
0.94
--
(Short term borrowings / Net worth)
|
Company Name
|
Mar-25
|
Mar-24
|
Mar-23
|
Mar-22
|
Mar-21
|
|---|---|---|---|---|---|
|
Utssav CZ Gold Jewels
|
0.94
|
1.89
|
1.77
|
1.57
|
1.24
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Current Ratio
1.97
Lower than Peers by 0.07
Current Assets / Current Liabilities and Provisions
|
Company Name
|
Mar-25
|
Mar-24
|
Mar-23
|
Mar-22
|
Mar-21
|
|---|---|---|---|---|---|
|
Utssav CZ Gold Jewels
|
1.97
|
1.35
|
1.44
|
1.58
|
2.09
|
|
Peer Median
|
2.04
|
1.82
|
1.87
|
1.72
|
--
|
Quick Ratio
1.33
Higher than Peers by 0.60
(Current Assets - Inventory) / Current Liabilities and Provisions
|
Company Name
|
Mar-25
|
Mar-24
|
Mar-23
|
Mar-22
|
Mar-21
|
|---|---|---|---|---|---|
|
Utssav CZ Gold Jewels
|
1.33
|
1.08
|
0.96
|
0.91
|
1.48
|
|
Peer Median
|
0.73
|
1.04
|
0.73
|
0.51
|
--
|
Interest Coverage
6.33
Higher than Peers by 2.13
Earning before interest and taxes (EBIT) / Interest Expenses
|
Company Name
|
Mar-25
|
Mar-24
|
Mar-23
|
Mar-22
|
Mar-21
|
|---|---|---|---|---|---|
|
Utssav CZ Gold Jewels
|
6.33
|
4.34
|
3.58
|
3.12
|
3.00
|
|
Peer Median
|
4.21
|
3.25
|
12.54
|
6.11
|
--
|
Operating Efficiency
Debtors to sales
16.90
Higher than Peers by 10.31
Debtors outstanding / Net Sales * 100
|
Company Name
|
Mar-25
|
Mar-24
|
Mar-23
|
Mar-22
|
Mar-21
|
|---|---|---|---|---|---|
|
Utssav CZ Gold Jewels
|
16.90
|
16.70
|
13.25
|
18.41
|
17.87
|
|
Peer Median
|
6.59
|
5.85
|
3.68
|
5.04
|
--
|
Asset Turnover
3.31
Higher than Peers by 1.63
Sales / Average Total Assets
|
Company Name
|
Mar-25
|
Mar-24
|
Mar-23
|
Mar-22
|
Mar-21
|
|---|---|---|---|---|---|
|
Utssav CZ Gold Jewels
|
3.31
|
3.35
|
3.45
|
2.46
|
2.72
|
|
Peer Median
|
1.68
|
1.88
|
1.66
|
1.89
|
--
|
Receivable days
46.88
--
Average Debtors / Sales * 365
|
Company Name
|
Mar-25
|
Mar-24
|
Mar-23
|
Mar-22
|
Mar-21
|
|---|---|---|---|---|---|
|
Utssav CZ Gold Jewels
|
46.88
|
47.41
|
41.57
|
65.40
|
65.22
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Inventory Days
29.88
--
Average Inventory / Sales * 365
|
Company Name
|
Mar-25
|
Mar-24
|
Mar-23
|
Mar-22
|
Mar-21
|
|---|---|---|---|---|---|
|
Utssav CZ Gold Jewels
|
29.88
|
24.55
|
33.20
|
43.57
|
30.83
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Payable days
0.66
--
Average Creditors / Cost of goods sold * 365
|
Company Name
|
Mar-25
|
Mar-24
|
Mar-23
|
Mar-22
|
Mar-21
|
|---|---|---|---|---|---|
|
Utssav CZ Gold Jewels
|
0.66
|
0.21
|
0.39
|
0.89
|
1.01
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Cash Conversion Cycle
76.11
--
Receivable Days + Inventory Days - Payable Days
|
Company Name
|
Mar-25
|
Mar-24
|
Mar-23
|
Mar-22
|
Mar-21
|
|---|---|---|---|---|---|
|
Utssav CZ Gold Jewels
|
76.11
|
71.75
|
74.38
|
108.08
|
95.05
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Valuation
Price / Earnings
19.01
Lower than Peers by 13.78
Current share price divided by earning per share in the last twelve months
|
Company Name
|
Mar-25
|
Mar-24
|
Mar-23
|
Mar-22
|
Mar-21
|
|---|---|---|---|---|---|
|
Utssav CZ Gold Jewels
|
19.01
|
--
|
--
|
--
|
--
|
|
Peer Median
|
32.79
|
41.99
|
19.89
|
28.02
|
--
|
Price / Book Value
3.76
Lower than Peers by 1.26
Current share price divided by book value per share in the latest financial year
|
Company Name
|
Mar-25
|
Mar-24
|
Mar-23
|
Mar-22
|
Mar-21
|
|---|---|---|---|---|---|
|
Utssav CZ Gold Jewels
|
3.76
|
--
|
--
|
--
|
--
|
|
Peer Median
|
5.02
|
5.17
|
2.62
|
2.45
|
--
|
Dividend Yield
--
--
Dividend per share in the past twelve months divided by current share price
|
Company Name
|
Mar-25
|
Mar-24
|
Mar-23
|
Mar-22
|
Mar-21
|
|---|---|---|---|---|---|
|
Utssav CZ Gold Jewels
|
--
|
--
|
--
|
--
|
--
|
|
Peer Median
|
--
|
0.10
|
0.29
|
0.16
|
--
|
EV/EBITDA
13.65
Lower than Peers by 17.80
Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)
|
Company Name
|
Mar-25
|
Mar-24
|
Mar-23
|
Mar-22
|
Mar-21
|
|---|---|---|---|---|---|
|
Utssav CZ Gold Jewels
|
13.65
|
2.84
|
3.86
|
6.06
|
9.49
|
|
Peer Median
|
31.45
|
31.33
|
16.73
|
23.31
|
--
|
Market Cap
476
Lower than Peers by 3,150
Current Share price multiplied by latest total number of shares outstanding
|
Company Name
|
Mar-25
|
Mar-24
|
Mar-23
|
Mar-22
|
Mar-21
|
|---|---|---|---|---|---|
|
Utssav CZ Gold Jewels
|
476
|
--
|
--
|
--
|
--
|
|
Peer Median
|
3,627
|
1,771
|
1,473
|
1,921
|
--
|
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