Check Before You Invest : PN Gadgil Jewellers Ltd

BSE: 544256 NSE: PNGJL ISIN: INE953R01016

| Sector: Retail | Industry: Retailing

Snapshot

Q.1 Which industry/sub-sector does PN Gadgil Jewellers Ltd belong to?

PN Gadgil Jewellers Ltd belongs to the Retail sector, operating specifically within the Retailing segment.

Q.2 Is PN Gadgil Jewellers Ltd a good quality company?

PN Gadgil Jewellers Ltd is a average quality company, based on a somewhat consistent 5-year financial track record.

Q.3 Is PN Gadgil Jewellers Ltd undervalued or overvalued?

PN Gadgil Jewellers Ltd appears Fair, as its key valuation ratios are in line with their past averages.

Q.4 Is PN Gadgil Jewellers Ltd a good buy now?

PN Gadgil Jewellers Ltd is a good buy now, based on strong price trend analysis suggesting prices may rise. However, you need to check its quality and valuation before making a decision

Performance Analysis

Q.1 Return on capital employed (ROCE) of PN Gadgil Jewellers Ltd?

PN Gadgil Jewellers Ltd Return on capital employed is 20.1% for FY-2025, which is above its 5-year historical median of 17.58%. The current ROCE is above its estimated weighted average cost of capital (WACC) of 13.5%, indicating value creation.

Q.2 Return on Asset of PN Gadgil Jewellers Ltd?

PN Gadgil Jewellers Ltd Return on Asset is 9.03%, which is above its 5-year historical median of 4.93%, indicating improved asset utilization efficiency.

Q.3 Return on Equity (ROE) of PN Gadgil Jewellers Ltd?

PN Gadgil Jewellers Ltd Return on equity is 20.27% for FY-2025, which is above its 5-year historical median of 17.84%, indicating the business is making better use of its shareholders capital.

Q.4 Gross Profit margin of PN Gadgil Jewellers Ltd?

PN Gadgil Jewellers Ltd Gross profit margin which is the profit after deduction of direct costs, is 4.2% for FY-2025, which is above its 5-year median of 3.1%, indicating increasing margins.

Q.5 Operating Profit Margin of PN Gadgil Jewellers Ltd?

PN Gadgil Jewellers Ltd Operating Profit Margin which is the profit after deduction of all operating costs, is 4.39% for FY-2025, which is above its 5-year median of 3.99% indicating increasing margins.

Q.6 Net Profit Margin of PN Gadgil Jewellers Ltd?

PN Gadgil Jewellers Ltd Net Profit Margin is 2.82% for FY-2025, is above with its 5-year median of 1.62%, indicating increasing margins.

	Current Level	5-year Historic Median
Gross Profit Margin	4.2	3.1
Operating Profit Margin	4.39	3.99
Net Profit Margin	2.82	1.62

Q.7 Debt to Equity ratio of PN Gadgil Jewellers Ltd?

PN Gadgil Jewellers Ltd Debt-to-Equity ratio is 0.51, which is above with the industry average of 0.41, indicating higher debt levels in the industry.

Q.8 Debt to cash flow from operations of PN Gadgil Jewellers Ltd?

PN Gadgil Jewellers Ltd Debt to cash flow from operations is -1.16, which is at a unhealthy level.

Ownership & governance

Q.1 Promoter shareholding and pledge status of PN Gadgil Jewellers Ltd?

Promoters hold 83.11% of the PN Gadgil Jewellers Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

Q.1 Revenue growth of PN Gadgil Jewellers Ltd vs industry peers?

PN Gadgil Jewellers Ltd revenue CAGR is 0.00%, compared to the industry median CAGR of 14.61%, indicating slower growth and losing its market share.

Profit Metrics

	Current Level	5-year Industry Median
Revenue Growth	-	14.6
Gross Profit Growth	40	NAN
Operating Profit Growth	24.6	NAN
Net Profit Growth	39.6	14.3

Operating Efficiency

	Current Level	5-year Industry Median
Asset Turnover	3.21	1.14
ROE	20.27	7.96
ROCE	20.1	12.62
Cash Conversion Cycle (days)	63.82	48

Valuation & price assessment

Q.1 Stock return of PN Gadgil Jewellers Ltd over the last decade?

Over the last 1 year(s), the stock has delivered a CAGR of 34.37% based on the current price.

Q.2 What return has the stock given over the last decade?

	9Y	5Y	3Y	1Y
Share Price CAGR	-	-	-	34.4%

Q.3 Valuation ratios of PN Gadgil Jewellers Ltd vs historical?

The current P/E is lower that its historical median.

Q.4 How do the current valuation ratios compare with 5-year historical median and industry numbers?

Valuation Ratios	Current	5-year Historic Median	5-year Industry Median
Price to Earnings	23.59	37.10	37.16
Price to Book	4.72	4.89	2.93
Price to Sales	1.02	1.12	1.30
EV to EBITDA	14.62	22.67	14.03

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