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Senco Gold Ltd (SENCO)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 543936 NSE: SENCO Diamond & Jewellery | Small Cap | Senco Gold Share Price
₹341.95 4.60 (1.36%)
As on 23-Sep'26 16:59
Senco Gold Ltd (SENCO)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 543936 NSE: SENCO Diamond & Jewellery | Small Cap | Senco Gold Share Price
₹341.95 4.60 (1.36%)
As on 23-Sep'26 16:59
Key Metrics
Valuation Multiples
Market Cap
₹5,529 Cr.
Current Price
₹342
52-Week Low / High
₹276 / 430
TTM EPS
₹34.8
TTM Sales
₹9,660 Cr.
Book Value per Share
₹159.3
P/E Ratio
9.69
Lower than its 5-year historical median
Industry PE
52.9
Price to Book (P/B)
2.12
Lower than its 5-year historical median
Price to Sales (P/S)
0.57
Lower than its 5-year historical median
EV/EBITDA
6.84
Lower than its 5-year historical median
Dividend Yield
0.51%
Profitability Efficiency
Return on Equity (ROE)
25.65%
Outperforms industry median
Return on Capital Employed (ROCE)
22.86%
Outperforms industry median
Return on Assets (ROA)
9.79%
Operating Profit Margin
11.7%
Net Profit Margin
6.81%
Gross Profit Margin
9.6%
Growth Momentum
1-yr vs 3-yr growth
1-yr vs 3-yr growth
Sales Growth (1 Year)
Improving versus 3-year growth rate
33.8%
Operating Profit Growth (1 Year)
Improving versus 3-year growth rate
158.38%
Net Profit Growth (1 Year)
Improving versus 3-year growth rate
260.5%
Asset Quality
Promoter Holding
64.47%
Pledged shares (%) of Promoter's holding (%)
0.00%
Reserves
₹2,529 Cr.
Equity
₹82 Cr.
Face Value
₹5
All Time Low / High
₹179.12 / 772.00
Check Before You Invest
Quality
Somewhat GoodValuation
FairCheck Valuation charts
Price Trend
Weak
Is Senco Gold Ltd a good quality company?
Senco Gold Ltd is a average quality company, based on a somewhat consistent multi-year financial track record.
This assessment is based on company’s performance on Revenue growth, ROCE, Equity and Assets, key margin ratios, cash conversion cycle, and debt to cash flow from operations and how it compares with its long term averages.
We have analysed the performance of the company on the following:
-
How has it performed on generating Profits?
By checking its Revenue growth, Gross, Operating and Net Margins compared to its last 5-year median.
-
How efficiently has it utilized Capital?
By checking its ROCE, ROA, ROE and its Cash Conversion Cycle.
-
How is it managing its Debt?
By checking its Debt to Equity and Cash Flow from Operations.
How does Senco Gold Ltd performance compare with that of its Peers?
Revenue growth of Senco Gold Ltd vs industry peers?
Senco Gold Ltd revenue CAGR is 25.94%, compared to the industry median CAGR of 0.00%, indicating faster growth and gaining its market share.
Promoter shareholding and pledge status of Senco Gold Ltd?
Promoters hold 64.47% of the Senco Gold Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Stock return of Senco Gold Ltd over the last decade?
Over the last 3 year(s), the stock has delivered a CAGR of 11.05% based on the current price.
10 Year X-Ray :
Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year endData adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
What is a Financial Track Record? How to read this chart in order to understand the data present here?
Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Senco Gold Ltd has performed well in some of the past ten years indicating its past ten year financial track record is somewhat good
Value Creation ⓘ
| Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROCE % ⓘ | 13.7% | 18% | 15.8% | 18.1% | 13.9% | 19% | 17.1% | 15.1% | 11.3% | 23% | - |
| Value Creation Index ⓘ | 0.0 | 0.3 | 0.1 | 0.3 | 0.0 | 0.4 | 0.2 | 0.1 | -0.2 | 0.7 | - |
Growth Parameters ⓘ |
|||||||||||
| Sales ⓘ | 1,831 | 2,215 | 2,484 | 2,420 | 2,660 | 3,535 | 4,076 | 5,230 | 6,259 | 8,374 | 9,556 |
| Sales YoY Gr. | - | 20.9% | 12.2% | -2.6% | 9.9% | 32.9% | 15.3% | 28.3% | 19.7% | 33.8% | - |
| Adj EPS ⓘ | 3.6 | 5.4 | 6.9 | 8.7 | 6.8 | 12.8 | 14.6 | 11.9 | 9.7 | 34.2 | 36.1 |
| YoY Gr. | - | 51% | 28.2% | 25.9% | -21.4% | 88.4% | 14.1% | -18.8% | -18.1% | 251.4% | - |
| BVPS (₹) ⓘ | 30.2 | 37 | 42.9 | 50.6 | 55.4 | 67.1 | 83.7 | 88.5 | 121.1 | 154.8 | 161.7 |
| Adj Net Profit ⓘ | 37.7 | 57 | 73 | 92 | 72.3 | 136 | 163 | 185 | 159 | 560 | 592 |
| Cash Flow from Ops. ⓘ | 4.1 | -48.3 | 48.5 | 58.9 | 182 | -73.3 | -79.3 | -19.2 | -206 | -809 | - |
| Debt/CF from Ops. ⓘ | 110.7 | -12.1 | 11.6 | 9.8 | 2.9 | -11.8 | -14.8 | -77.9 | -8.5 | -2.8 | - |
CAGR ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||
|---|---|---|---|---|---|---|---|---|
| Sales ⓘ | 18.4% | 25.8% | 27.1% | 33.8% | ||||
| Adj EPS ⓘ | 28.6% | 38.1% | 32.7% | 251.4% | ||||
| BVPSⓘ | 19.9% | 22.8% | 22.7% | 27.8% | ||||
| Share Price | - | - | 11% | -5.6% | ||||
Key Financial Parameters ⓘ
| Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity % ⓘ | 12.2 | 15.8 | 16.8 | 18 | 12.5 | 20.5 | 19.5 | 15.9 | 9.5 | 24.7 | 22.8 |
| Op. Profit Mgn % ⓘ | 6 | 6.7 | 6.7 | 9.4 | 7.5 | 8.4 | 8.2 | 7.5 | 6.1 | 11.7 | 10.5 |
| Net Profit Mgn % ⓘ | 2.1 | 2.6 | 2.9 | 3.8 | 2.7 | 3.9 | 4 | 3.5 | 2.5 | 6.7 | 6.2 |
| Debt to Equity ⓘ | 1.4 | 1.5 | 1.2 | 1 | 0.9 | 1.2 | 1.2 | 1.1 | 0.9 | 0.9 | - |
| Working Cap Days ⓘ | 156 | 159 | 165 | 192 | 194 | 169 | 193 | 180 | 182 | 200 | 149 |
| Cash Conv. Cycle ⓘ | 114 | 119 | 120 | 134 | 131 | 117 | 135 | 140 | 158 | 175 | 53 |
Valuation of Senco Gold - Consolidated
Analyst's Notes
No data found!
Management X-Ray
Shareholding Pattern
Promoter's Holding & Share Pledging
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
* Pledged shares as % of Promoter's holding (%)
Financials
| PARTICULARS | Mar'14 | Mar'15 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|
| Sales | 1,318 | 1,434 | 2,660 | 3,535 | 4,077 | 5,241 | 6,328 | 8,430 |
| Operating Expenses ⓘ + | 1,248 | 1,354 | 2,479 | 3,248 | 3,749 | 4,853 | 5,947 | 7,446 |
| Operating Profit ⓘ | 70 | 80 | 182 | 287 | 329 | 389 | 381 | 984 |
| Operating Profit Margin (%) | 5.3% | 5.6% | 6.8% | 8.1% | 8.1% | 7.4% | 6.0% | 11.7% |
| Other Income ⓘ + | 3 | 6 | 15 | 13 | 31 | 42 | 55 | 80 |
| Interest ⓘ | 19 | 26 | 73 | 80 | 98 | 121 | 149 | 219 |
| Depreciation ⓘ | 3 | 7 | 40 | 42 | 46 | 60 | 68 | 82 |
| Profit Before Tax ⓘ | 51 | 53 | 84 | 177 | 216 | 250 | 218 | 763 |
| Tax ⓘ | 15 | 17 | 22 | 48 | 58 | 69 | 59 | 188 |
| Profit After Tax | 36 | 36 | 61 | 129 | 158 | 181 | 159 | 574 |
| PAT Margin (%) | 2.8% | 2.5% | 2.3% | 3.7% | 3.9% | 3.5% | 2.5% | 6.8% |
| Adjusted EPS (₹) | 3.4 | 3.4 | 5.6 | 12.0 | 14.0 | 11.7 | 9.7 | 35.1 |
| Dividend Payout Ratio (%) | 12.20% | 0% | 13.40% | 6.20% | 5.40% | 8.60% | 10.30% | 5% |
| PARTICULARS | Mar'14 | Mar'15 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | |||
|---|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | |||||||||||
| Shareholders Fund + | 164 | 280 | 603 | 726 | 945 | 1,364 | 1,969 | 2,510 | |||
| Debt + | 207 | 208 | 532 | 863 | 1,177 | 1,496 | 1,763 | 2,342 | |||
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||
| Trade Payables | 6 | 12 | 61 | 117 | 162 | 207 | 152 | 679 | |||
| Others Liabilities ⓘ | 158 | 149 | 625 | 694 | 994 | 633 | 837 | 1,482 | |||
| Total Liabilities ⓘ | 537 | 648 | 1,820 | 2,400 | 3,278 | 3,700 | 4,720 | 7,012 | |||
Fixed Assets | |||||||||||
| Net Fixed Assets ⓘ + | 39 | 44 | 212 | 223 | 280 | 362 | 405 | 475 | |||
| CWIP ⓘ | 2 | 13 | 2 | 7 | 13 | 1 | 2 | 2 | |||
| Investments ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||
| Inventories | 265 | 358 | 1,039 | 1,391 | 1,885 | 2,457 | 3,299 | 5,296 | |||
| Trade Receivables | 52 | 44 | 28 | 39 | 45 | 53 | 81 | 225 | |||
| Cash Equivalents | 67 | 38 | 128 | 279 | 438 | 551 | 591 | 517 | |||
| Others Assets ⓘ | 112 | 152 | 411 | 461 | 616 | 275 | 342 | 497 | |||
| Total Assets ⓘ | 537 | 648 | 1,820 | 2,400 | 3,278 | 3,700 | 4,720 | 7,012 | |||
| PARTICULARS | Mar'14 | Mar'15 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ + | -7 | -61 | 182 | -70 | -78 | -23 | -221 | -789 |
| Cash Flow From Investing Activity ⓘ + | -12 | -37 | -55 | -157 | -198 | -118 | -32 | 77 |
| Cash Flow From Financing Activity ⓘ + | 43 | 61 | -122 | 228 | 276 | 151 | 268 | 716 |
| Net Cash Flow ⓘ | 24 | -37 | 5 | 1 | -0 | 9 | 15 | 4 |
| PARTICULARS | Mar'14 | Mar'15 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | ||
|---|---|---|---|---|---|---|---|---|---|---|
| Ratios | ||||||||||
| ROE (%) | 22.14 | 16.27 | 14.22 | 19.83 | 19.28 | 15.77 | 9.56 | 25.65 | ||
| ROCE (%) | 18.57 | 18.28 | 19.26 | 18.89 | 16.94 | 14.87 | 11.14 | 22.86 | ||
| Asset Turnover Ratio | 2.46 | 2.42 | 2.22 | 1.72 | 1.48 | 1.55 | 1.56 | 1.5 | ||
| PAT to CFO Conversion(x) | -0.19 | -1.69 | 2.98 | -0.54 | -0.49 | -0.13 | -1.39 | -1.37 | ||
| Working Capital Days | ||||||||||
| Receivable Days | 14.50 | 12.20 | 4.70 | 3.40 | 3.70 | 3.30 | 3.70 | 6.40 | ||
| Inventory Days | 73.20 | 79.20 | 93 | 122.10 | 142.20 | 146.40 | 160.30 | 178.60 | ||
| Payable Days | 2 | 2.70 | 5.50 | 10 | 12.90 | 12.40 | 9.60 | 15.40 | ||
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Senco Gold Ltd FAQs
The current trading price of Senco Gold on 23-Sep-2026 16:59 is ₹341.9.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 22-Sep-2026 the market cap of Senco Gold stood at ₹5,529.2 Cr
The latest P/E ratio of Senco Gold as of 22-Sep-2026 is 9.34.
The latest P/B ratio of Senco Gold as of 22-Sep-2026 is 2.09.
The 52-week high of Senco Gold is ₹430.0 and the 52-week low is ₹275.7.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Senco Gold is ₹9,556 ( Cr.) .
Past 10 year's financial track record analysis by Moneyworks4me indicates that Senco Gold Ltd is a average quality company.
The key valuation ratios of Senco Gold Ltd's currently when compared to its past seem to suggest it is in the Fair zone.
The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Senco Gold Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.
About Senco Gold Ltd
The company was originally incorporated as Senco Gold Private Limited at Kolkata, West Bengal, India, as a private limited company under the Companies Act, 1956, pursuant to a certificate of incorporation dated August 22, 1994, issued by Registrar of Companies, West Bengal (RoC). Subsequently, pursuant to a resolution passed at the meeting of the Board of Directors held on June 27, 2007 and a special resolution of the shareholders of the company at the EGM held on August 8, 2007, the name of the company was changed to Senco Gold Limited, pursuant to its conversion into a public limited company. A fresh certificate of incorporation dated August 31, 2007, consequent to the change of name, was issued by the RoC.
Senco Gold is a pan-India jewellery retail player with a history of more than five decades and has a fourth generation entrepreneur in the jewellery industry as its Promoter. It is the largest organized jewellery retail player in the eastern region of India based on number of stores and among eastern India based jewellery retailers, it has the widest geographical footprint in non-eastern states. It primarily sells gold and diamond jewellery and also sell jewellery made of silver, platinum and precious and semi-precious stones and other metals. Its other offerings also include costume jewellery, gold and silver coins and utensils made of silver.
The company’s products are sold under the ‘Senco Gold & Diamonds’ tradename, through multiple channels, including its 75 Company Operated Showrooms and 61 Franchisee Showrooms (including four franchisee owned and Company operated Showrooms) and various online platforms, including its website www.sencogoldanddiamonds.com. Its strategy of operating through multiple channels enables it to allocate capital as required, as it continues to expand geographic presence and work towards an omni channel network. With a catalogue offering more than 120,000 designs for gold jewellery and more than 69,000 designs for diamond jewellery, the company offers a large variety of designs of handcrafted jewellery, most of which are designed and manufactured in-house by its designers in close collaboration with skilled local craftsmen (generally termed Karigars) in Kolkata and across the country. Machine made light weight jewellery in gold and diamonds are also manufactured at its manufacturing facility based on designs prepared by its in-house designers and also sourced from third partner manufacturing vendors.
Business area of the company
The company is a pan-India jewelry retailer. The products are sold under its brand name ‘Senco Gold & Diamonds’. It primarily sells gold and diamond jewelry along with jewelry made of silver, platinum, precious and semi-precious stones, and other metals. It also offers costume jewelry, gold, and silver coins, and utensils made of silver.
Awards, accreditations and accolades
- 2014: ‘Leading Retailer of India’ award by UBM.
- 2015: Awarded ‘Gem of the Year (Central -East)’ at the National Jewellery Awards, 2015 by All India Gems and Jewellery Trade Federation.
- 2016: Ranked as ‘India’s 5th Most Trusted Jewellery Brand’ by The Brand Trust Report (India Study), 2016.
- 2017: Certificate of Appreciation recognizing the Company as a ‘Symbol of Excellence’ at the Economic Times Iconic Brands of India awards.
- 2017: Awarded ‘Best Chain of Retail Stores (National-2017)’ by Indian Bullion and Jewellers Association Limited at the 4th India Bullion and Jewellery Awards, 2017.
- 2018: Amazon Aces -Softline by Amazon.
- 2019: Best Advertising and Highest Glance view on Precious Segment by Amazon.
- 2019: Ranked 10000 best sellers by Amazon.
- 2019: Top City Flipstar -Best sale performance during Big Billion Days by Flipkart.
- 2019: The Gold Tier Profile certification by Flipkart.
- 2019: Best Promising Gems and Jewellery Brand.
- 2020: The Gold Tier Profile certification by Flipkart.
- 2020: 2nd Most Trusted Jewellery Brand in India by TRA.
- 2021: The Gold Tier Profile certification by Flipkart.
- 2021: Fabulous Jewelers by ET Edge.
- 2021: ET Trusted Brands 2021.
- 2021: Marketing Campaign of the Year at the Awards for Excellence in Branding and Marketing by CMO Asia.
- 2022: KALEIDO award by ET Brand Equity.
- 2022: Business Leadership Award by CMA Management Excellence.
- 2022: Shakti award for women leadership in Jewellery sector by Informa market and SVAR.
- 2022: 2nd Most Desired Jewellery Brand in India by TRA.
- 2023: 2nd Most Desired Jewellery Brand in India by TRA.
- 2023: Certified as Great Place to Work by the Great Place to Work, Institute, India.
Major events and milestones
- 2000: Opened first franchisee, ‘Guinea Gold’ in Asansol, Beniachiti, West Bengal.
- 2002: Set up showroom at Moulali, Kolkata, West Bengal which was its first showroom with an area of over 8,000 sq. ft.
- 2005: Commenced business operations in the SEZ unit located at Manikanchan, Kolkata, West Bengal.
- 2007: Takeover of the business of Senco Gold Museum and Senco Gold Mart.
- 2008: Conversion of the Company from private limited to public limited.
- 2011: Opening first showroom outside the state of West Bengal.
- 2014: Private equity investment from SAIF Partners India IV Limited (the Selling Shareholder).
- 2014: Total Number of showrooms crossed 50.
- 2015: Amalgamation of Senco Gold Impex Private Limited with the Company.
- 2015: Entered Bihar, Maharashtra and Uttar Pradesh. Total Number of showrooms crosses 60.
- 2016: Introduction of Everlite brand focusing on light and affordable diamond jewellery.
- 2016: Entered Southern Region by opening a branch in Bengaluru, Karnataka.
- 2016: Total Showroom Count touches 73.
- 2017: Entered into an agreement with Kolkata Knight Riders to be its official jewellery partner for seasons ten and eleven (2017 and 2018) of the Indian Premier League.
- 2018: Added 11 new showrooms across regions, taking the total showroom account to 90.
- 2018: Launch of Aham Mens Jewelry.
- 2020: Crossed 100 Showroommark.
- 2020: Launched 2 D’Signia showrooms targeting elite class.
- 2020: Opened first Everlite showroom.
- 2021: Opened six new COCO showrooms-(i) Kolkata-3(ii) UP-2 (iii) Pune -1.
- 2021: DG-Gold Digital gold buying, selling and redemption.
- 2021: MOU Signed with Mobotics for digital foray.
- 2021: Opened 4 new Model FOCO showrooms.
- 2022: Crossed 125 Showroom mark.
- 2023: Private equity investment from OIJIF II.
- 2023: Received the ‘Qualified Jeweller’ status from IIBX to directly import gold.
- 2023: Incorporation of Senco Global Jewellery Trading L.L.C, the Company’s subsidiary in Dubai.
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