Utssav CZ Gold JewelsNSE:UTSSAV -0.51%17 ROE % is 30.94% as of Mar. 2025, which is at its 10-year median of 30.94. GuruFocus rates NSE:UTSSAV with a GF Score™ of 17/100. The stock has 7 warning signs investors should review. Among 1,092 Retail - Cyclical companies, Utssav CZ Gold Jewels ranks better than 89.47% on this metric.
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is one times the annual (Mar. 2025) net income data. The Revenue data used here is one times the annual (Mar. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
* 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 ROE % Chart
Utssav CZ Gold Jewels Annual Data
Trend
Mar21
Mar22
Mar23
Mar24
Mar25
ROE %
13.77
24.88
38.17
44.62
30.94
Utssav CZ Gold Jewels Semi-Annual Data
Mar21
Mar22
Mar23
Mar24
Mar25
ROE %
13.77
24.88
38.17
44.62
30.94
NSE:UTSSAV vs TPR: ROE % Comparison
For the Luxury Goods subindustry, Utssav CZ Gold Jewels's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Utssav CZ Gold Jewels's ROE % distribution charts can be found below:
* The bar in red indicates where Utssav CZ Gold Jewels's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is one times the annual (Mar. 2025) net income data.
ROE % is displayed in the 30-year financial page.
Utssav CZ Gold Jewels (NSE:UTSSAV) has a ROE % of 30.94% as of Mar. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Utssav CZ Gold Jewels and its competitors. This is near median its historical median of 30.94. Over the past decade, Utssav CZ Gold Jewels' ROE % has ranged from 13.77 to 44.62. According to the industry distribution chart, Utssav CZ Gold Jewels ranks #115 out of 1092 companies in the Retail - Cyclical industry, placing it in the top 10.5%.
Is Utssav CZ Gold Jewels' ROE % too high?
Utssav CZ Gold Jewels' current ROE % of 30.94% is near median its 10-year median of 30.94. Over the past 10 years, this metric has ranged from a low of 13.77 to a high of 44.62. The Retail - Cyclical industry median ROE % is 6.49. Utssav CZ Gold Jewels' value of 30.94% is 376.7% above this industry median. Based on the distribution chart, Utssav CZ Gold Jewels ranks #115 out of 1092 companies in the Retail - Cyclical industry, which is in the top quartile — a strong position relative to peers. 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' ROE % compare to TPR?
According to the Retail - Cyclical industry distribution chart, Utssav CZ Gold Jewels ranks #115 out of 1092 companies for ROE %. This places Utssav CZ Gold Jewels in the top 11% of its industry — outperforming the majority of peers. The industry median ROE % is 6.49. Utssav CZ Gold Jewels' value of 30.94% is 376.7% above this benchmark. Historically, Utssav CZ Gold Jewels' own ROE % has ranged from 13.77 to 44.62 over the past decade. While the company's 10-year median is 30.94 vs. the industry median of 6.49, 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 ROE % for a Retail - Cyclical company?
The median ROE % among Retail - Cyclical companies is 6.49, based on 1,092 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Utssav CZ Gold Jewels's current ROE % of 30.94% is 376.7% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Utssav CZ Gold Jewels and its competitors. For the Retail - Cyclical industry, the median ROE % is 6.49 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Utssav CZ Gold Jewels's current ROE % is 30.94%, which is near median its own 10-year median of 30.94. 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 ROE % of 30.94%. The current ROE % is 30.94%, which is near median its 10-year median of 30.94 and 376.7% above the Retail - Cyclical industry median of 6.49. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Utssav CZ Gold Jewels (NSE:UTSSAV), the current ROE % is 30.94% 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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