Sector Alpha Week of 2026-07-24
Sector Alpha — machine-written from the numbers · Data as of 2026-07-24

PC Jeweller Ltd

PCJEWELLER
Diamond, Gems & Jewellery

PC Jeweller Ltd's earnings have outrun its stock. EPS grew −8.8% in a year against a −42.4% price move.

The sharpest disagreement: profits are rising, but only −46% of the last 3 years' profit arrived as operating cash — the gap between the P&L and the bank account is the thing to watch.

The price is in a downtrend (40 weeks in) while the P/E sits at the 42nd percentile of its own 10-year range. Underneath, the last four quarters read improving — profit +61.1% year on year, and −46% of the last 3 years' profit arrived as cash. What settles it: whether the cash starts following the profit.

Price
₹9.7
−42.4% 1Y
P/E
12.6×
42nd pctile
of its own 10-year range
Revenue (Mar 26)
₹927 Cr
+32.6% YoY
Profit (Mar 26)
₹153 Cr
+61.1% YoY
Operating margin
18.0%
−3.0 pp YoY
ROCE
10%
FY26
ROIC
7.3%
vs WACC 12.0% → −4.7 pp
Cash conversion
−46%
of profit, last 3 FY
01 · Price story

Price story Before the numbers, the tape. A stock price moves through four repeating seasons: a flat base (stage 1), an advance (2), a top (3), a decline (4). Where the price sits in that cycle frames everything below.

PC Jeweller Ltd trades at ₹9.7, in a downtrend and 40 weeks into that stage. That is −3.8% against its own 200-day average. It sits at 29% of a 52-week range of ₹8 to ₹14. On relative strength it is currently behind the NIFTY 500 on a trailing-13-week view (1 week and counting).

Today the stock is in a downtrend — week 40 of stage 4, confirmed. At ₹9.7 it trades −3.8% versus its 200-day average and sits at 29% of its 52-week range (₹8–₹14).

Jul 26: ₹9.7 Weekly closing price (₹) with 50- and 200-day averages; shaded bands mark the price stage (grey base, green advance, amber top, red decline). 3-year window.
−3.8% versus the 200-day line, week 40 of stage 4
Price50-day avg200-day avg
S4S2S2S4₹18.9₹14.5₹10.2₹5.8₹1.4₹10₹10Jul 23Apr 24Feb 25Nov 25Jul 26
S4S2S2S4₹18.9₹14.5₹10.2₹5.8₹1.4₹10₹10Jul 23Feb 25Jul 26
Beating or trailing, week by week since 2016 Each cell is one week from 2016 to now (546 weeks): the stock's trailing 13-week return minus the NIFTY 500's, green ahead / red behind (±25% ramp). Grey cells are the 13-week warm-up or weeks where the NIFTY 500 reading is not held.
trailing 13-week return vs the NIFTY 500
Mar 16Jul 26

Against the market, two honest reads. Cumulative: over the last 10.3 years the stock moved −46% while the NIFTY 500 moved +274% — behind the index over the full window. Recent form: on a trailing-13-week view the stock is currently behind (1 week and counting; last ahead the week of 2026-07-10) — the ribbon below is that same metric, week by week.

What would end the trend, mechanically: two Friday closes in a row below the 200-day line. That is the exit rule — no debates.

→ The trend is one thing; the bill is another. Are you paying up for it? Next: the P/E sits at the 42nd percentile of its own range.

02 · Valuation

Valuation P/E is the price of ₹1 of annual profit: how many rupees the market pays for each rupee the company earns in a year.

PC Jeweller Ltd trades at 12.6× P/E, mid-range by its own standards (42nd percentile). Its long-run median P/E is 15.4×, measured across 10.4 years of weekly readings. This places the multiple against the stock’s own record, and says nothing about what the business is worth.

Today's P/E of 12.6× is mid-range by its own standards (42nd percentile), against a long-run median of 15.4× measured over 10.4 years of weekly readings. This is a comparison against the stock's own history — not a claim about what it is worth.

One caveat before moving on: margins are the best this company has ever printed — cheap against its own history on record margins is not the same thing as cheap. If profitability mean-reverts, today's multiple is higher than it looks.

P/E 12.6× vs a 15.4× long-run median P/E, weekly (left axis); earnings per share, trailing twelve months, weekly (right axis). 10.4-year window; loss-period spikes above 38× shown pinned at the top. The eps (ttm) bars are red where the reading is lower than the quarter before.
mid-range by its own standards (42nd percentile)
P/EMedianEPS (TTM) (quarterly)
40.8×₹1.530.6×₹1.120.4×₹0.710.2×₹0.40.0×₹0.0×11.20×₹1Mar 16Sep 17Mar 19Feb 25Jul 26
40.8×₹1.530.6×₹1.120.4×₹0.710.2×₹0.40.0×₹0.0×11.20×₹1Mar 16Mar 19Jul 26
PEG 0.15 PEG ratio per quarter — the P/E divided by the earnings-growth rate. The dashed line marks 1.0: below it the growth is cheap against the multiple, above it the price already prices the growth in. Last 19 quarters.
below 1.0, the growth looks cheap against the multiple
PEGPEG = 1.0
1.1×0.8×0.6×0.3×0.1××0.15×Q2 FY22Q2 FY23Q3 FY24Q3 FY25Q4 FY26
1.1×0.8×0.6×0.3×0.1××0.15×Q2 FY22Q3 FY24Q4 FY26
P/E
12.6×
42nd percentile of 10y
PEG
n/m
not derivable — 3-year earnings growth unavailable

Why the multiple sits where it does: over the past year annual EPS moved −8.8% against a −42.4% price move — earnings outran the price, pushing the multiple DOWN its own range.

The price move, decomposed: over 5y, of the +28.6%/yr price move, ~+44.9%/yr came from earnings growth and ~−16.3 pp from the multiple (compressing); over 10y, of the −6.6%/yr price move, ~−2.1%/yr came from earnings growth and ~−4.5 pp from the multiple (compressing). The split is the honest approximate (price return minus earnings growth); it makes the rally itself visible instead of hiding it behind the percentile.

Put together: the multiple is unremarkable against its own past, so the story rests on the earnings line underneath it, not the multiple.

→ Cheap or dear rides on the earnings. Are they actually growing? Next: the fundamental stage — where the business sits in its arc, and how growth has compounded.

03 · Stage: No read

Stage: No read Every business sits somewhere on a fundamental arc, and this page names the spot before anything else. The last twelve quarters of revenue, profit and EPS growth — plus the return the business earns on its capital — are read as curves: Deteriorating (the curves are falling), Turning around (a trough has just formed and the last few quarters lift off it), Improving (the climb off the trough is sustained), Consistent (steadily positive with healthy returns), Topping out (still high but decelerating from the peak). When the curves genuinely disagree the read is Mixed; too little history is No read. CAGR (compound annual growth rate) is the smooth yearly pace that turns the starting value into the latest one — the fairest way to compare growth across different time spans. Read the columns together: if the 1-year number towers over the 10-year, recent growth is running hotter than the long-run trend. A dash means that window is not held, or the base year was a loss (where a growth rate is not meaningful).

PC Jeweller Ltd reads as no read on its fundamental arc. Under eight usable quarters on the growth trio — not enough history for an honest trajectory read. The read is built from 12 quarters across 2 curves, on partial evidence.

Three growth curves, twelve quarters Year-on-year growth of trailing-twelve-month revenue (left axis), profit and EPS (right axis — they swing far wider), % at each quarter-end. Where the trailing-twelve-month history is short, the curve falls back to single-quarter year-on-year growth — noisier, and the classifier smooths and caps base-effect spikes before reading. Base-effect spikes shown pinned (▲). A missing point means that reading is not held for the quarter.
the trajectory the stage is read from
RevenueProfitEPS
299%348%198%174%98%0.0%0.0%−174%−103%−348%%%49.4%61.1%−12.5%Jun 23Sep 24Mar 26
299%348%198%174%98%0.0%0.0%−174%−103%−348%%%49.4%61.1%−12.5%Jun 23Sep 24Mar 26
ROCE Trailing-twelve-month operating profit (before interest and tax) as a share of average capital employed — total assets minus current liabilities, the standard textbook basis, %.
the return curve, computed quarterly
ROCE
15%14%13%12%11%%11.7%Jun 23Sep 24Mar 26
15%14%13%12%11%%11.7%Jun 23Sep 24Mar 26
Revenue growth
Rolling over
latest +49.4% · span −75.5% to +270.9%
ROCE
Stuck low
latest 11.7% · span 10.9%–15.0%

Why it matters: with too little history, an honest page says so instead of guessing a trajectory.

One or more growth curves carry a base-effect spike — a large year-on-year move off a near-zero or loss-making comparable quarter. Those spikes are capped before the classifier reads the trajectory, and shown pinned on the chart, so a single distorted quarter does not drive the stage call.

Fewer than eight usable quarters on the growth curves — this page will not guess a trajectory from a stub of history.

Growth, year by year: revenue +49.4% in FY26, profit +23.5% Year-over-year growth per fiscal year, %: revenue (left axis); net profit and EPS (right axis — profit growth swings far wider). Zero line drawn. Turnaround-year spikes shown pinned (▲).
Revenue YoYProfit YoYEPS YoY
299%348%199%174%98%0.0%0.0%−174%−103%−348%%%49.4%23.5%FY16FY21FY26
299%348%199%174%98%0.0%0.0%−174%−103%−348%%%49.4%23.5%FY16FY21FY26
TTM growth by quarter Trailing-twelve-month growth versus the year-ago TTM, per quarter, %: revenue (left axis); profit and EPS (right axis). The acceleration read compares the last 4 quarters (+49.4%) with the last 8 annualized (+135.4%). Spikes shown pinned (▲).
revenue rolling over
Revenue TTM YoYProfit TTM YoYEPS TTM YoY
299%325%198%234%98%144%0.0%53%−103%−38%%%49.4%23.7%Jun 23Sep 24Mar 26
299%325%198%234%98%144%0.0%53%−103%−38%%%49.4%23.7%Jun 23Sep 24Mar 26
Compound annual growth rate (%) Compound annual growth rate over each window, %. Revenue, profit and EPS from fiscal-year figures; share price is the price CAGR over the same spans. A dash = that window is not held, or the base was a loss.
1yr3yr5yr10yr
Revenue+49.4%+10.7%+3.5%−7.5%
Profit+23.5%+63.0%+6.0%
EPS−8.8%+44.9%−2.9%
Share price−42.4%+41.7%+28.6%−6.6%
Revenue YoY (Mar 26)
+32.6%
latest quarter vs a year ago
Profit YoY (Mar 26)
+61.1%
latest quarter vs a year ago
Revenue 10y
−7.5%
long-run compound pace

→ The stage names the trajectory. Next: the revenue line that produces it, quarter by quarter.

04 · 4-Factor Sector Score

4-Factor Sector Score

47.4/100 — rank 17 of 26 in Diamond, Gems & Jewellery · 90% evidence confidence

PC Jeweller Ltd scores 47.4 out of 100 against the 26 companies it is compared with in Diamond, Gems & Jewellery, ranking 17. Cheap but unconfirmed: require improving earnings before treating the valuation as an opportunity.

The four contributions add to the total exactly: 14.3 + 11.4 + 16.3 + 5.4 = 47.4. This is the SAME number shown on the sector comparison — it is computed once, for the whole peer set, and read here.

What would change it: The read weakens if profit growth turns negative or margin improvement reverses while sector-relative strength deteriorates.

05 · Revenue

Revenue Revenue is the top line: everything the company billed its customers in the period.

PC Jeweller Ltd reported ₹927 Cr of revenue in the Mar 26 quarter, +32.6% year on year. That is the 8th straight quarter of year-on-year growth. Over 10 years it has compounded at −7.5% a year. The last full year, FY26, came in at ₹3,353 Cr. The last four reported quarters add to ₹3,352 Cr.

PC Jeweller Ltd reported ₹927 Cr of revenue in the Mar 26 quarter, +32.6% year on year. That is the 8th straight quarter of year-on-year growth. Over 10 years it has compounded at −7.5% a year. The last full year, FY26, came in at ₹3,353 Cr. The last four reported quarters add to ₹3,352 Cr.

FY26 revenue came in at ₹3,353 Cr (+49.4% on the year), capping 10 years at −7.5% compound. The latest quarter (Mar 26) printed ₹927 Cr, +32.6% year on year — the 8th consecutive quarter of year-over-year growth.

FY26 revenue ₹3,353 Cr (+49.4% YoY) Revenue bars, ₹ Cr (left); YoY growth-% line (right). 11-year window. A bar is red when it is lower than the year before.
−7.5% a year over 10 years
RevenueYoY growth
10.4k299%7.8k199%5.2k98%2.6k0.0%0−103%₹ Cr%₹3,35349.4%FY16FY21FY26
10.4k299%7.8k199%5.2k98%2.6k0.0%0−103%₹ Cr%₹3,35349.4%FY16FY21FY26
Mar 26: ₹927 Cr (+32.6% YoY) Quarterly revenue bars, ₹ Cr (left); YoY growth-% line (right). Last 12 quarters. A bar is red when it is lower than the quarter before.
8th straight quarter of growth
Revenue (quarterly)YoY growth
1.0k1,625%7511,163%501701%250239%0−223%₹ Cr%₹92732.6%Jun 23Sep 24Mar 26
1.0k1,625%7511,163%501701%250239%0−223%₹ Cr%₹92732.6%Jun 23Sep 24Mar 26

Pace check: the last four quarters averaged +53.4% growth against the decade's −7.5% — the current year is running faster than its own long-run rate.

Acceleration check: trailing-twelve-month revenue grew +49.4% over the last 4 quarters against +135.4%/yr over the last 8 — rolling over.

→ Revenue grew — did margins hold as it scaled? Next: 18.0% this quarter (−3.0 pp YoY).

06 · Operating margin

Operating margin Operating margin is what is left of every ₹100 of sales after running the business, before interest and tax. It is the cleanest read on pricing power and cost control.

PC Jeweller Ltd's operating margin is 18.0% in the Mar 26 quarter, −3.0 percentage points against the same quarter a year ago. That is the widest this company has ever printed on a full-year basis. Across 13 fiscal years the operating margin has ranged −28.0% to 20.0%. The current quarter sits inside that band.

PC Jeweller Ltd's operating margin is 18.0% in the Mar 26 quarter, −3.0 percentage points against the same quarter a year ago. That is the widest this company has ever printed on a full-year basis. Across 13 fiscal years the operating margin has ranged −28.0% to 20.0%. The current quarter sits inside that band.

The latest quarter's operating margin is 18.0%, −3.0 pp against the same quarter a year ago. Across 13 fiscal years the operating margin has ranged −28.0%–20.0%, and FY26's 20.0% is the top of that band — a record year.

🚨 Why the margin moved: operating margin went −3.0 pp year on year while gross margin went −3.1 pp — the loss came mostly from the gross line: input costs and pricing.

Worth repeating from the valuation section: cheap against its own history on record margins is not the same thing as cheap — a record margin flatters every ratio built on top of it.

FY26: 20.0% Operating margin by fiscal year, %, line (left); year-on-year change in the margin, in percentage points, line (right). 13-year window.
the widest a −28.0–20.0% band over 13 years
operating marginYoY change (pp)
24%53%9.9%28%−4.0%4.0%−18%−20%−32%−45%%%20%2%FY14FY20FY26
24%53%9.9%28%−4.0%4.0%−18%−20%−32%−45%%%20%2%FY14FY20FY26
Mar 26: 18.0% operating margin (−3.0 pp YoY) Quarterly operating margin, %, line (left); year-on-year change in the margin, in percentage points, line (right). Last 12 quarters. Operating profit as a share of revenue, per quarter.
Operating marginYoY change (pp)
39%231%−20%119%−80%7.0%−139%−105%−198%−217%%%18%−3%Jun 23Sep 24Mar 26
39%231%−20%119%−80%7.0%−139%−105%−198%−217%%%18%−3%Jun 23Sep 24Mar 26

→ Margins slipped — did that reach the bottom line? Next: profit +61.1% in the latest quarter.

07 · Net profit

Net profit Net profit is what survives every cost, interest and tax — the number EPS, dividends and book value all grow from.

PC Jeweller Ltd earned ₹153 Cr of net profit in the Mar 26 quarter, +61.1% year on year. It is the 4th consecutive quarter of growth. Full-year FY26 profit was ₹714 Cr. The 10-year compound rate is 6.0%. That is 16.5% of the quarter's revenue. The same quarter a year earlier earned ₹95.0 Cr.

PC Jeweller Ltd earned ₹153 Cr of net profit in the Mar 26 quarter, +61.1% year on year. It is the 4th consecutive quarter of growth. Full-year FY26 profit was ₹714 Cr. The 10-year compound rate is 6.0%. That is 16.5% of the quarter's revenue. The same quarter a year earlier earned ₹95.0 Cr.

Mar 26 profit was ₹153 Cr, +61.1% year on year — the 4th consecutive quarter of growth. On the full year, FY26 printed ₹714 Cr (+23.5%), and the 10-year compound rate is 6.0%.

FY26 profit ₹714 Cr (+23.5% YoY) Net profit bars, ₹ Cr (left); YoY growth-% line (right). 11-year window. A bar is red when it is lower than the year before.
6.0% a year over 10 years
Net profitYoY growth
8218,914%4326,325%433,735%−3471,145%−736−1,445%₹ Cr%₹71423.5%FY16FY21FY26
8218,914%4326,325%433,735%−3471,145%−736−1,445%₹ Cr%₹71423.5%FY16FY21FY26
Mar 26: ₹153 Cr (+61.1% YoY) Quarterly net profit bars, ₹ Cr (left); YoY growth-% line (right). Last 12 quarters. A bar is red when it is lower than the quarter before.
4th straight quarter of growth
Net profit (quarterly)YoY growth
24393%124−22%6−136%−112−250%−231−364%₹ Cr%₹15361.1%Jun 23Sep 24Mar 26
24393%124−22%6−136%−112−250%−231−364%₹ Cr%₹15361.1%Jun 23Sep 24Mar 26

Why profit moved: revenue contributed +32.6% and the margin −3.0 pp — the quarter was revenue-led despite a thinner margin.

Pace comparison, last four quarters: profit +27.6% vs revenue +53.4%. Profit is growing slower than sales — costs are eating the growth before it reaches the bottom line.

→ Profit rose — but did the cash follow? Next: −46% of the last 3 years' profit arrived as cash.

08 · Cash flow — the router

Cash flow — the router The P&L says what was earned; the cash-flow statement says what actually arrived. Operating cash flow (CFO) against profit is the cleanest lie detector in the accounts.

Over the last 3 fiscal years −46% of PC Jeweller Ltd's reported profit arrived as operating cash — a gap worth watching. In FY26 that was ₹−77.0 Cr of operating cash against ₹714 Cr of profit. After ₹23.0 Cr of capital spending, ₹−100 Cr was left as free cash.

FY26: operating cash of ₹−77.0 Cr against reported profit of ₹714 Cr, leaving free cash of ₹−100 Cr after ₹23.0 Cr of capital spending. Across the last 3 fiscal years the conversion rate is −46% of profit.

Cash-flow readings here are annual — that is the resolution our series carries, so this section moves once a year.

FY26: CFO ₹−77.0 Cr vs profit ₹714 Cr Operating cash flow and net profit by fiscal year, ₹ Cr; the line is free cash flow (CFO minus capital spending). 11-year window, annual resolution.
−46% of 3-year profit arrived as cash
Operating cashNet profitFree cash
1.0k222−569−1.4k−2.1k₹ Cr₹−77₹714₹−100FY16FY21FY26
1.0k222−569−1.4k−2.1k₹ Cr₹−77₹714₹−100FY16FY21FY26
FY26: CFO = −11% of profit (three-year rate −46%) Operating cash as a share of net profit, per fiscal year, % (line). Dashed line = 100% — every unit of profit arriving as cash.
Conversion100%
15,652%−40,402%−96,456%−1,52,509%−2,08,563%%−11%FY16FY21FY26
15,652%−40,402%−96,456%−1,52,509%−2,08,563%%−11%FY16FY21FY26

🚨 Why conversion sits at −46%: the cash cycle stretched 94 days between FY21 and FY26 — more of each rupee of profit waits inside the cycle before arriving. Less than 70% of profit arriving as cash is the thing to watch on this page.

Router verdict: conversion is below par and the cash cycle has stretched 94 days — the next section's job is to find where the cash is stuck.

→ So follow the cash to where it goes. Next: the 1,082-day cycle, in money terms.

09 · Where the cash goes

Where the cash goes Working capital is the cash tied up between paying suppliers and getting paid: debtor days (customers owe), inventory days (stock waits), and the cash conversion cycle (the whole loop, in days of sales).

PC Jeweller Ltd's cash conversion cycle runs 1,082 days in FY26, up from 988 days in FY21. Capital spending ran ₹39.0 Cr over the last 3 years. At FY26 sales of ₹3,353 Cr each day of that cycle holds about ₹9.2 Cr, so roughly ₹9,940 Cr sits inside the business at any moment.

FY26: debtors at 69 days, inventory at 1,015 days — roughly 33.4 months of stock waiting to sell; that is where the cash sits while it waits — for a full cycle of 1,082 days, looser than FY21's 988.

The full loop: cash goes out to suppliers and production on day 0; stock waits 1,015 days to sell; customers pay about 69 days after that; and suppliers themselves are paid at 2 days — netting out to the 1,082-day cycle.

In money terms: at FY26 sales of ₹3,353 Cr, each day of the cycle holds about ₹9.2 Cr — so the 1,082-day loop keeps roughly ₹9,940 Cr sitting inside the business at any moment.

FY26: a 1,082-day cash cycle Debtor days, inventory days, payable days and the cash conversion cycle by fiscal year. 13-year window.
+94 days vs FY21
Cash cycleInventory daysDebtor daysPayable days
3,3992,4871,575662−250days1,082d1,015d69d2dFY14FY17FY20FY23FY26
3,3992,4871,575662−250days1,082d1,015d69d2dFY14FY20FY26

On the investment side: capital spending of ₹39.0 Cr over the last 3 fiscal years against ₹59.0 Cr of depreciation — spending at or below maintenance level. Capital work-in-progress stands at ₹0.0 Cr (FY26) — capacity paid for but not yet earning.

FY26: capex ₹23.0 Cr, work-in-progress ₹0.0 Cr Capital spending per fiscal year, ₹ Cr (bars); capital work-in-progress, ₹ Cr (line). Quarterly capital-spending history is not held for India — annual is the honest resolution.
steady investment
CapexWork-in-progress
14599548−38₹ Cr₹23₹0FY16FY18FY21FY23FY26
14599548−38₹ Cr₹23₹0FY16FY21FY26

The synthesis: the working-capital loop is the cash sink the router flagged — watch the cycle, not the P&L.

→ Does all this activity actually earn its cost of capital? Next: ROCE is 10% and the ROIC − WACC spread is −4.7 pp.

10 · Return on capital

Return on capital Return on capital employed (ROCE) is the profit the whole business earns on all the money in it — equity and debt together. It is the single best test of whether growth creates value or just size.

PC Jeweller Ltd earns a ROCE of 10% in FY26. That is up from a trough of −2% in FY24. Return on invested capital clears the cost of that capital by −4.7 percentage points, so growth here is not yet paying for the capital it uses. The wiring behind it is 21.3% net margin on 0.36× asset turns.

FY26 ROCE is 10%, recovered from a FY24 trough of −2% — the full ladder below shows the fall and the climb, undoctored.

🚨 Why the return is what it is — the wiring (FY26): 21.3% net margin × 0.36× asset turns × 1.15× balance-sheet leverage ≈ 8.8% on equity. Margin is doing the heavy lifting; leverage is modest — this is an earned return, not a borrowed one.

The capstone test — ROIC − WACC: 7.3% − 12.0% = a −4.7 pp spread. The 12.0% is a standing assumption for the cost of capital in India, not a per-stock estimate — read the sign and the size of the spread, not the decimals. Negative — growth at these returns destroys value until the returns recover.

FY26: ROCE 10% Return on capital employed by fiscal year, % (line); ROIC by fiscal year, % (line). 13-year window, dips included. Dashed line = the 12.0% cost of capital used on this page.
the climb back from FY24's −2%
ROCEROIC (annual)WACC
32%22%13%4.0%−5.1%%10%7.4%FY14FY20FY26
32%22%13%4.0%−5.1%%10%7.4%FY14FY20FY26
Q4 FY26: ROCE 6.9% (TTM) vs WACC 12.0% Trailing-twelve-month ROCE and ROIC, per quarter, %; dashed line = the cost of capital. Last 12 quarters, put on a trailing-twelve-month basis and anchored to the annual figure.
ROCE (TTM)ROIC (TTM)WACC
13%8.1%2.8%−2.5%−7.9%%6.9%7.6%Q1 FY24Q2 FY25Q4 FY26
13%8.1%2.8%−2.5%−7.9%%6.9%7.6%Q1 FY24Q2 FY25Q4 FY26

→ Returns like these — is the balance sheet borrowing to make them? Next: debt-to-equity is 0.14.

11 · Debt

Debt Debt-to-equity says how much of the business is funded by borrowings. Low is the safe corner; the trend matters as much as the level.

PC Jeweller Ltd carries total debt of ₹1,167 Cr against shareholder equity of ₹8,174 Cr as of Mar 26, a debt-to-equity of 0.14 — effectively unlevered. On the annual view that ratio went from 0.87 in FY22 to 0.14 in FY26. The returns elsewhere on this page are therefore earned rather than borrowed.

Mar 26: total debt of ₹1,167 Cr against shareholder equity of ₹8,174 Cr — a debt-to-equity of 0.14. On the annual view, debt-to-equity went from 0.87 (FY22) to 0.14 (FY26). The returns on this page are earned, not borrowed.

FY26: debt ₹1,167 Cr at 0.14× equity Total debt by fiscal year, ₹ Cr (bars); debt-to-equity, × (line). 5-year window.
Total debtDebt-to-equity
4.5k1.5×3.4k1.2×2.2k0.8×1.1k0.4×00.0×₹ Cr×₹1,1670.14×FY22FY24FY26
4.5k1.5×3.4k1.2×2.2k0.8×1.1k0.4×00.0×₹ Cr×₹1,1670.14×FY22FY24FY26
Mar 26: debt ₹1,167 Cr, debt-to-equity 0.14 Total debt per quarter, ₹ Cr (bars); debt-to-equity, × (line). Last 12 quarters. India reports the full balance sheet half-yearly, so the intervening quarter carries the prior reading forward.
Total debt (quarterly)Debt-to-equity
4.5k1.5×3.4k1.2×2.2k0.8×1.1k0.4×00.0×₹ Cr×₹1,1670.14×Jun 23Sep 24Mar 26
4.5k1.5×3.4k1.2×2.2k0.8×1.1k0.4×00.0×₹ Cr×₹1,1670.14×Jun 23Sep 24Mar 26

→ Who owns this, and are they adding or leaving? Next: Foreign institutions added 6.6 points over 8 quarters.

12 · Ownership

Ownership Who owns the stock, quarter by quarter: promoters (the controlling owners), foreign and domestic institutions, and the public. Steady accumulation by people close to the numbers is a signal; a quiet register is also an answer.

Foreign institutions added 6.6 points of PC Jeweller Ltd over 8 quarters, the biggest move on the register. That takes foreign institutions to 12.2% of the company. Promoters moved −5.0 points over the same window, to 38.5%. The register is read on the four disclosed classes only; nothing is inferred between filings.

The register over the last two years — Foreign institutions: +6.6 points over 8 quarters to 12.2%; Promoters: −5.0 points over 8 quarters to 38.5%; Domestic institutions: +3.0 points over 8 quarters to 4.3%.

Why the register moved: foreign institutions drove it (+6.6 points), absorbed on the other side by promoters (−5.0 points) — steady accumulation by institutions reading the same numbers this page reads.

Fiscal-year ends: promoters −13.8 pts from Mar 24 to Mar 26 Shareholding at each fiscal-year end (March quarter), % of the company. 3 year-ends held.
PromotersForeign inst.Domestic inst.Public
59%43%28%12%−3.4%%40.7%10.4%5.4%43.5%Mar 24Mar 25Mar 26
59%43%28%12%−3.4%%40.7%10.4%5.4%43.5%Mar 24Mar 25Mar 26
Foreign institutions added 6.6 points over 8 quarters Shareholding by holder class, % of the company, quarterly, last 13 quarters.
PromotersForeign inst.Domestic inst.Public
59%43%28%12%−3.5%%38.5%12.2%4.3%45.0%Dec 23Jun 25Jun 26
59%43%28%12%−3.5%%38.5%12.2%4.3%45.0%Dec 23Jun 25Jun 26

→ One last check: does the safety math agree? Next: the balance-sheet safety line.

13 · Safety line

Safety line The Z-score estimates how far a company sits from balance-sheet distress — above roughly 3 is safe, below roughly 1.8 is the danger zone. It was built for manufacturers, so it is not applied to banks and lenders.

PC Jeweller Ltd: the Z-score is not available for this stock, so we say so rather than invent one. It is a distance-to-distress estimate from the balance sheet, not a forecast of failure. The debt, cash-flow and return sections above carry the balance-sheet evidence this page does hold, and each of them states its own reporting date.

The safety line in one sentence: the Z-score is not available for this stock, so we say so rather than invent one.

Related companies · same sector · Diamond, Gems & Jewellery Every company is compared on the shape of its own curves, not static ratios. The Revenue, EPS and ROCE columns each draw that company's last 12 quarters as a mini line of the ACTUAL level (trailing-twelve-month revenue and EPS, and the ROCE itself) — so a line that climbs is a business getting bigger, a line that sinks is one shrinking. The colour tracks the same line: green when it is rising or steadily healthy, amber when it is rolling over from a high (still elevated but turning down), red when it is falling, grey when flat or stuck. Colour and direction always agree — a green line never points down. The ROCE curve is the return on capital (annual readings for peers, so a slightly coarser line than the quarterly one at the top of this page). The Stage column then runs the same 12-quarter trajectory classifier used at the top of the page on each company and names where it sits. What lands a company in each bucket: CONSISTENT — growth stays positive across the window and returns are healthy (ROCE ≥ 15%, or ROE ≥ 12% for lenders); IMPROVING — profit or EPS fell into real decline, bottomed a few quarters back, and has climbed back to positive and held there; TURNING AROUND — the same kind of trough but more recent, with the latest quarters just lifting off it (an early, unconfirmed turn); TOPPING OUT — growth is still positive but decelerating hard from its own peak while returns have stopped rising; DETERIORATING — two or more growth curves are shrinking (latest below zero) and staying there, not one soft quarter; MIXED — the curves genuinely disagree, or no clean majority, so no single word fits; NO READ — fewer than eight usable quarters. It is a like-for-like read of every company against its own past, not a ranking against the group.
CompanyP/EMkt capRevenueEPSROCEStage
PC Jeweller Ltd this page12.6×₹9,011 CrNo read
Titan Company Ltd80.6×₹4.2L CrTurning around
Kalyan Jewellers India Ltd43.0×₹59,233 CrConsistent
Thangamayil Jewellery Ltd60.7×₹21,467 CrImproving
Bluestone Jewellery & Lifestyle Ltd209.0×₹11,772 CrNo read
Sky Gold & Diamonds Ltd36.8×₹10,124 CrMixed
P N Gadgil Jewellers Ltd21.3×₹8,780 CrMixed
Senco Gold Ltd10.9×₹6,273 CrTurning around
Vaibhav Global Ltd15.7×₹4,216 CrImproving
Rajesh Exports Ltd20.9×₹3,510 CrImproving
D.P. Abhushan Ltd74.8×₹3,032 CrConsistent
Rajesh Exports Ltd23.3×₹2,626 CrMixed
D.P. Abhushan Ltd12.3×₹2,295 CrConsistent
Shringar House of Mangalsutra Ltd18.3×₹2,118 CrNo read
Khazanchi Jewellers Ltd24.0×₹1,836 CrNo read
Tribhovandas Bhimji Zaveri Ltd8.5×₹1,728 CrNo read
Khazanchi Jewellers Ltd18.6×₹1,666 CrNo read
Motisons Jewellers Ltd25.2×₹1,612 CrMixed
Shanti Gold International Ltd10.9×₹1,523 CrNo read
PNGS Reva Diamond Jewellery Limited19.9×₹1,287 Cr
Utssav CZ Gold Jewels Ltd21.1×₹1,248 CrNo read
Asian Star Company Ltd24.0×₹971 CrTurning around
PNGS Gargi Fashion Jewellery Ltd25.8×₹785 CrMixed
SJ Corporation Ltd₹776 Cr
Manoj Vaibhav Gems N Jewellers Ltd6.6×₹761 CrTopping out
Radhika Jeweltech Ltd10.0×₹751 CrConsistent
PNGS Gargi Fashion Jewellery Ltd21.8×₹685 CrTopping out
RBZ Jewellers Ltd10.3×₹564 CrMixed
Uday Jewellery Industries Ltd13.7×₹491 CrMixed
Golkunda Diamonds & Jewellery Ltd16.0×₹195 CrMixed
12 · Frequently asked questions

Frequently asked questions

What is PC Jeweller Ltd's share price today?

PC Jeweller Ltd trades at ₹9.7, −42.4% over the past year. The company is valued at ₹9,011 Cr. The stock sits at 29% of its 52-week range of ₹8–₹14, −3.8% versus its 200-day average. On the tape, the price is in a downtrend, 40 weeks in. — as of 24 July 2026.

What were PC Jeweller Ltd's latest quarterly results?

PC Jeweller Ltd reported revenue of ₹927 Cr and net profit of ₹153 Cr for the Mar 26 quarter. Revenue rose 32.6% and profit rose 61.1% year on year. Earnings per share were ₹0.18. The operating margin was 18.0%, 3.0 pp lower than a year earlier. — as of 24 July 2026.

What is PC Jeweller Ltd's revenue?

PC Jeweller Ltd reported revenue of ₹927 Cr in the Mar 26 quarter, +32.6% year on year. For the full FY26 fiscal year, revenue was ₹3,353 Cr (+49.4%). Over the last 10 years revenue compounded at −7.5% a year. — as of 24 July 2026.

What is PC Jeweller Ltd's profit?

PC Jeweller Ltd earned ₹153 Cr of net profit in the Mar 26 quarter, +61.1% year on year — the 4th straight quarter of growth. Full-year FY26 profit was ₹714 Cr. The operating margin ran 18.0% in the latest quarter. — as of 24 July 2026.

What is PC Jeweller Ltd's market cap?

PC Jeweller Ltd's market capitalisation is ₹9,011 Cr at a share price of ₹9.7. Market cap is the share price multiplied by shares outstanding, so it is restated whenever the price moves. — as of 24 July 2026.

What is PC Jeweller Ltd's P/E ratio?

PC Jeweller Ltd trades at a P/E of 12.6×, at the 42nd percentile of its own 10-year range, against a long-run median of 15.4×. This is a comparison with the stock's own history, not a value call — as of 24 July 2026.

Does PC Jeweller Ltd pay a dividend?

Not in its latest year — PC Jeweller Ltd's dividend payout was 0% of profit in FY26. It did record a payout in 5 of its last 13 reported fiscal years, so there is a history but no current dividend. This page holds the payout ratio, not a per-share amount. — as of 24 July 2026.

Is PC Jeweller Ltd overvalued?

On its own history, PC Jeweller Ltd looks mid-range against its own history: its P/E of 12.6× sits at the 42nd percentile of its 10-year range (long-run median 15.4×). That is a percentile read against the stock's own past, not a price opinion or a direction call. One caveat: margins are the best this company has ever printed — cheap on record margins is not the same thing as cheap. — as of 24 July 2026.

Is PC Jeweller Ltd growing?

Yes — PC Jeweller Ltd is growing: latest-quarter revenue +32.6% year on year, profit +61.1%, and the margin −3.0 pp at 18.0%. The 10-year compound rates are −7.5% (revenue) and 6.0% (profit). The earnings engine currently reads: improving — as of 24 July 2026.

How is PC Jeweller Ltd performing?

PC Jeweller Ltd is in a downtrend, 40 weeks in. Its latest quarter's revenue rose 32.6% and profit rose 61.1% year on year. Against the NIFTY 500 it has been behind on a trailing-13-week view for 1 week. This describes what the data did, not a rating. — as of 24 July 2026.

Is PC Jeweller Ltd in an uptrend?

No — the price is in a downtrend (week 40 of stage 4), trading −3.8% versus its 200-day average and at 29% of its 52-week range. Price stages cycle base → advance → top → decline, and the stage names where this stock sits in that cycle — as of 24 July 2026.

Is PC Jeweller Ltd beating the market?

Not lately — on a trailing-13-week view PC Jeweller Ltd is currently behind the NIFTY 500 (1 week and counting; last ahead the week of 2026-07-10), the same metric the week-by-week ribbon on this page draws. Separately, on the cumulative view: over the last 10.3 years the stock moved −46% against the NIFTY 500's +274% — behind the index over the full window. — as of 24 July 2026.

Will PC Jeweller Ltd's share price go up?

This page publishes no price forecast for PC Jeweller Ltd. What it measures instead: the share price is ₹9.7, the price is in a downtrend 40 weeks in. Its P/E of 12.6× sits at the 42nd percentile of its own 10-year range. — as of 24 July 2026.

Who owns PC Jeweller Ltd?

Promoters hold 38.5% of PC Jeweller Ltd, foreign institutions 12.2%, domestic institutions 4.3% and the public 45.0% (latest quarter). The biggest move on the register over the last two years: Foreign institutions added 6.6 points over 8 quarters. — as of 24 July 2026.

Does PC Jeweller Ltd have too much debt?

No — PC Jeweller Ltd's debt-to-equity is 0.14, and operating profit covers the interest bill 5×. FY26 borrowings were ₹1,167 Cr against equity of ₹8,174 Cr. The returns on this page are earned, not borrowed — as of 24 July 2026.

What is PC Jeweller Ltd's capex?

PC Jeweller Ltd spent ₹39.0 Cr on capital expenditure over the last 3 fiscal years, a figure derived from the change in fixed assets plus depreciation. In FY26 alone that was ₹23.0 Cr, with ₹0.0 Cr in capital work-in-progress — capacity paid for but not yet earning. — as of 24 July 2026.

What is PC Jeweller Ltd's cash flow?

PC Jeweller Ltd generated ₹−77.0 Cr of operating cash flow in FY26 and ₹−100 Cr of free cash flow after ₹23.0 Cr of capital spending. Reported profit that year was ₹714 Cr, so operating cash ran behind profit. Cash-flow resolution for India is annual. — as of 24 July 2026.

Is PC Jeweller Ltd's profit real cash?

Not fully — over the last 3 fiscal years, −46% of PC Jeweller Ltd's reported profit arrived as operating cash. In FY26, operating cash was ₹−77.0 Cr against reported profit of ₹714 Cr. The cash then goes mostly into the working-capital cycle. Cash-flow resolution is annual — as of 24 July 2026.

Where is PC Jeweller Ltd in its business cycle?

PC Jeweller Ltd's FY26 operating margin was 20.0%, against a 13-year band of −28.0%–20.0%: the top of the band — a record year. Record profitability is late-cycle territory: every ratio flatters at the top, and the story leans on margins holding. The latest quarter ran 18.0%. Profitability versus a company's own long band is the cleanest cycle clock this page holds — as of 24 July 2026.

What could break the PC Jeweller Ltd story?

The sharpest disagreement: profits are rising, but only −46% of the last 3 years' profit arrived as operating cash — the gap between the P&L and the bank account is the thing to watch. Mechanically, two Friday closes in a row below the 200-day average would end the price trend — that is the exit rule this page tracks — as of 24 July 2026.

Is PC Jeweller Ltd a stock worth studying right now?

This is not investment advice. The machine read: PC Jeweller Ltd's earnings have outrun its stock. EPS grew −8.8% in a year against a −42.4% price move. The sharpest open question: whether the cash starts following the profit. Every number on this page is drawn deterministically from the raw series, with no forecasts and no price opinions — as of 24 July 2026.

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