Utssav CZ Gold JewelsNSE:UTSSAV +4.07%17 Interest Coverage is 6.45 as of Mar. 2025, which is 79% above its 10-year median of 3.61. GuruFocus rates NSE:UTSSAV with a GF Score™ of 17/100. The stock has 7 warning signs investors should review. Among 825 Retail - Cyclical companies, Utssav CZ Gold Jewels ranks worse than 54.79% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. Utssav CZ Gold Jewels's
Operating Income
for the
six
months ended in Mar. 2025 was ₹385 Mil. Utssav CZ Gold Jewels's Interest Expense for the
six
months ended in Mar. 2025 was ₹-60 Mil.
Utssav CZ Gold Jewels's interest coverage for the quarter that ended in Mar. 2025 was 6.45.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Utssav CZ Gold Jewels's Interest Coverage or its related term are showing as below:
NSE:UTSSAV'
s Interest Coverage Range Over the Past 10 Years
Min: 2.98 Med: 3.61 Max: 6.45
Current: 6.45
NSE:UTSSAV's Interest Coverage is ranked worse than 54.79% of 825
companies
in the Retail - Cyclical industry
Industry Median: 7.96
vs NSE:UTSSAV: 6.45
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Utssav CZ Gold Jewels Interest Coverage Related Terms
Utssav CZ Gold Jewels Interest Coverage Historical Data
* Premium members only.
The historical data trend for Utssav CZ Gold Jewels's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
Utssav CZ Gold Jewels Interest Coverage Chart
Utssav CZ Gold Jewels Annual Data
Trend
Mar21
Mar22
Mar23
Mar24
Mar25
Interest Coverage
2.98
3.33
3.61
4.34
6.45
Utssav CZ Gold Jewels Semi-Annual Data
Mar21
Mar22
Mar23
Mar24
Mar25
Interest Coverage
2.98
3.33
3.61
4.34
6.45
NSE:UTSSAV vs TPR: Interest Coverage Comparison
For the Luxury Goods subindustry, Utssav CZ Gold Jewels's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Utssav CZ Gold Jewels's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Utssav CZ Gold Jewels's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 (NSE:UTSSAV) has a Interest Coverage of 6.45 as of Mar. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Utssav CZ Gold Jewels and its competitors. This is 79% above median its historical median of 3.61. Over the past decade, Utssav CZ Gold Jewels' Interest Coverage has ranged from 2.98 to 6.45. According to the industry distribution chart, Utssav CZ Gold Jewels ranks #452 out of 825 companies in the Retail - Cyclical industry, placing it in the top 54.8%.
Is Utssav CZ Gold Jewels' Interest Coverage too high?
Utssav CZ Gold Jewels' current Interest Coverage of 6.45 is 79% above median its 10-year median of 3.61. Over the past 10 years, this metric has ranged from a low of 2.98 to a high of 6.45. The Retail - Cyclical industry median Interest Coverage is 7.96. Utssav CZ Gold Jewels' value of 6.45 is 19% below this industry median. Based on the distribution chart, Utssav CZ Gold Jewels ranks #452 out of 825 companies in the Retail - Cyclical industry, which is below the industry midpoint. Overall, Utssav CZ Gold Jewels has a GF Score™ of 17/100, reflecting its overall financial health beyond just this single metric.
How does Utssav CZ Gold Jewels' Interest Coverage compare to TPR?
According to the Retail - Cyclical industry distribution chart, Utssav CZ Gold Jewels ranks #452 out of 825 companies for Interest Coverage. This places Utssav CZ Gold Jewels in the lower half of its industry. The industry median Interest Coverage is 7.96. Utssav CZ Gold Jewels' value of 6.45 is 19% below this benchmark. Historically, Utssav CZ Gold Jewels' own Interest Coverage has ranged from 2.98 to 6.45 over the past decade. While the company's 10-year median is 3.61 vs. the industry median of 7.96, Utssav CZ Gold Jewels has consistently been below 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 Interest Coverage for a Retail - Cyclical company?
The median Interest Coverage among Retail - Cyclical companies is 7.96, based on 825 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Utssav CZ Gold Jewels's current Interest Coverage of 6.45 is 19% below 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Utssav CZ Gold Jewels and its competitors. For the Retail - Cyclical industry, the median Interest Coverage is 7.96 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Utssav CZ Gold Jewels's current Interest Coverage is 6.45, which is 79% above median its own 10-year median of 3.61. 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 Interest Coverage of 6.45. The current Interest Coverage is 6.45, which is 79% above median its 10-year median of 3.61 and 19% below the Retail - Cyclical industry median of 7.96. Utssav CZ Gold Jewels' overall GF Score™ is 17/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Utssav CZ Gold Jewels (NSE:UTSSAV), the current Interest Coverage is 6.45 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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