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Utssav CZ Gold JewelsNSE:UTSSAV -4.04%18 Debt-to-EBITDA is 3.25 as of Mar. 2025, which is 12% below its 10-year median of 3.70. GuruFocus rates NSE:UTSSAV with a GF Score™ of 18/100. The stock has 3 warning signs investors should review. Among 910 Retail - Cyclical companies, Utssav CZ Gold Jewels ranks worse than 64.18% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Utssav CZ Gold Jewels's Debt-to-EBITDA or its related term are showing as below:
NSE:UTSSAV'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 3.24 Med: 3.7 Max: 8.38
Current: 3.25
During the past 5 years, the highest Debt-to-EBITDA Ratio of Utssav CZ Gold Jewels was 8.38. The lowest was 3.24. And the median was 3.70.
NSE:UTSSAV's Debt-to-EBITDA is ranked worse than 64.18% of 910
companies
in the Retail - Cyclical industry
Industry Median: 2.28
vs NSE:UTSSAV: 3.25
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Utssav CZ Gold Jewels Debt-to-EBITDA Related Terms
Utssav CZ Gold Jewels Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Utssav CZ Gold Jewels's Debt-to-EBITDA can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Utssav CZ Gold Jewels Debt-to-EBITDA Chart
Utssav CZ Gold Jewels Annual Data
Trend
Mar21
Mar22
Mar23
Mar24
Mar25
Debt-to-EBITDA
8.38
5.58
3.70
3.24
3.25
Utssav CZ Gold Jewels Semi-Annual Data
Mar21
Mar22
Mar23
Mar24
Mar25
Debt-to-EBITDA
8.38
5.58
3.70
3.24
3.25
NSE:UTSSAV vs TPR: Debt-to-EBITDA Comparison
For the Luxury Goods subindustry, Utssav CZ Gold Jewels's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Utssav CZ Gold Jewels Debt-to-EBITDA vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Utssav CZ Gold Jewels's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Utssav CZ Gold Jewels's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is one times the quarterly (Mar. 2025) EBITDA data.
Utssav CZ Gold Jewels (NSE:UTSSAV) has a Debt-to-EBITDA of 3.25 as of Mar. 2025. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Utssav CZ Gold Jewels. This is 12% below median its historical median of 3.70. Over the past decade, Utssav CZ Gold Jewels' Debt-to-EBITDA has ranged from 3.24 to 8.38. According to the industry distribution chart, Utssav CZ Gold Jewels ranks #584 out of 910 companies in the Retail - Cyclical industry, placing it in the top 64.2%.
Is Utssav CZ Gold Jewels' Debt-to-EBITDA too high?
Utssav CZ Gold Jewels' current Debt-to-EBITDA of 3.25 is 12% below median its 10-year median of 3.70. Over the past 10 years, this metric has ranged from a low of 3.24 to a high of 8.38. The Retail - Cyclical industry median Debt-to-EBITDA is 2.28. Utssav CZ Gold Jewels' value of 3.25 is 42.5% above this industry median. Based on the distribution chart, Utssav CZ Gold Jewels ranks #584 out of 910 companies in the Retail - Cyclical industry, which is below the industry midpoint. Overall, Utssav CZ Gold Jewels has a GF Score™ of 18/100, reflecting its overall financial health beyond just this single metric.
How does Utssav CZ Gold Jewels' Debt-to-EBITDA compare to TPR?
According to the Retail - Cyclical industry distribution chart, Utssav CZ Gold Jewels ranks #584 out of 910 companies for Debt-to-EBITDA. This places Utssav CZ Gold Jewels in the lower half of its industry. The industry median Debt-to-EBITDA is 2.28. Utssav CZ Gold Jewels' value of 3.25 is 42.5% above this benchmark. Historically, Utssav CZ Gold Jewels' own Debt-to-EBITDA has ranged from 3.24 to 8.38 over the past decade. While the company's 10-year median is 3.70 vs. the industry median of 2.28, Utssav CZ Gold Jewels has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Retail - Cyclical company?
The median Debt-to-EBITDA among Retail - Cyclical companies is 2.28, based on 910 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Utssav CZ Gold Jewels's current Debt-to-EBITDA of 3.25 is 42.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Utssav CZ Gold Jewels. For the Retail - Cyclical industry, the median Debt-to-EBITDA is 2.28 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Utssav CZ Gold Jewels's current Debt-to-EBITDA is 3.25, which is 12% below median its own 10-year median of 3.70. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Utssav CZ Gold Jewels stock overvalued right now?
Utssav CZ Gold Jewels (NSE:UTSSAV) has a current Debt-to-EBITDA of 3.25. The current Debt-to-EBITDA is 3.25, which is 12% below median its 10-year median of 3.70 and 42.5% above the Retail - Cyclical industry median of 2.28. Utssav CZ Gold Jewels' overall GF Score™ is 18/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Utssav CZ Gold Jewels (NSE:UTSSAV), the current Debt-to-EBITDA is 3.25 as of Mar. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Utssav CZ Gold Jewels Ltd is mainly engaged in the business of designing, manufacturing, wholesaling, and exporting 18Karat, 20Karat, and 22Karat CZ Gold jewellery. The company specialises in the lightweight production of cubic zirconia (CZ), gold, and rose gold casting jewellery. It manufactures and offers a wide collection of products such as Rings, Earrings, Pendants, Bracelets, Necklaces, Watches, and Brooches etc. The company has also ventured into the business of plain gold casting jewellery, natural diamond jewellery and lab-grown diamond jewellery.
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