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    Utssav CZ Gold Jewels Ltd

    Mumbai-based B2B manufacturer of 18K/20K/22K CZ (cubic zirconia) and rose gold jewellery, expanding into plain gold and diamond jewellery for retailers across India.

    Consumer Durables
    Consumer Discretionary
    View UTSSAV earnings calls
    ₹544.55
    +42.66% from avg

    Overview

    Price

    ₹544.55

    Market Cap

    ₹1.2k Cr

    Sector

    Consumer Durables

    Consumer Discretionary

    Rank

    1

    Performance

    Financials

    Income Statement

    Financial Trajectories

    11
    Quarterly

    Balance Sheet

    Balance Sheet

    ₹ Cr · Annual
    Line itemFY20FY21FY22FY23FY24FY25FY26FY26
    LiabilitiesEquity Capital444417242424
    Reserves68111818103144174
    Borrowings1530365073130149186
    Other Liabilities3251013132524
    Total Liabilities28445682121270342408
    AssetsFixed Assets89101012889
    CWIP00000000
    Investments00000000
    Other Assets20354672110261334400
    Total Assets28445682121270342408

    Cash Flow

    Cash Flow

    ₹ Cr · Annual
    Line itemFY20FY21FY22FY23FY24FY25FY26
    ActivitiesCash from Operating3-14-2-127-89-61
    Cash from Investing00-21-130
    Cash from Financing-3144101911856
    SummaryCapital Expenditure
    Free Cash Flow3-14-4-105-87-62
    FCF Margin

    Valuation

    Assumptions

    Current — UTSSAV
    Price
    ₹517
    EPS (TTM)
    ₹34.97
    PE (TTM)
    14.8
    Profit growth

    The Earnings Per Share over the last 12 months.

    %

    Your assumption of the company's expected yearly EPS growth (e.g., 6 for 6%).

    Pre-filled with the lower of median (6.6×) and current (14.8×) PE — the conservative anchor.

    %

    The annualized return you aim to achieve. We solve for the price that delivers it, then compare to today's price.

    Valuation

    Current price
    ₹517
    vs
    Fair value · 15% return
    ₹170
    67%Overvalued

    At 10% growth and a 7× exit, ₹517 only delivers your return if you pay ₹170. The price is currently baking in 35% growth.

    EPS grows 10%/yr for 5 years, then fades to 6% over 2, exits at 7×.

    YearGrowthEPS (₹)
    FY2710.0%38.47
    FY2810.0%42.31
    FY2910.0%46.55
    FY3010.0%51.20
    FY3110.0%56.32
    FY328.0% ·fade60.83
    FY336.0% ·fade64.47

    Methodology: we discount normalized net profit as a proxy for owner earnings (an earnings-power approximation — not full free cash flow). Terminal growth is capped at 6% (≈ nominal GDP) regardless of the required return. This is an analytical tool, not investment advice.

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