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Tribhovandas Bhimji Zaveri Limited (IN:TBZ)
:TBZ
India Market
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Tribhovandas Bhimji Zaveri Limited (TBZ) AI Stock Analysis

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IN:TBZ

Tribhovandas Bhimji Zaveri Limited

(TBZ)

Rating:66Neutral
Price Target:
₹211.00
▲(14.02% Upside)
Tribhovandas Bhimji Zaveri Limited demonstrates strong revenue growth and improving profitability, which are significant strengths. However, moderate leverage and cash flow issues present risks. The stock shows positive technical momentum, but valuation metrics suggest it is moderately priced with limited dividend yield.

Tribhovandas Bhimji Zaveri Limited (TBZ) vs. iShares MSCI India ETF (INDA)

Tribhovandas Bhimji Zaveri Limited Business Overview & Revenue Model

Company DescriptionTribhovandas Bhimji Zaveri Limited (TBZ) is a renowned Indian jewelry retailer and manufacturer, established in 1864. The company specializes in the design, manufacture, and retail of gold, diamond, and precious stone jewelry. TBZ operates a chain of stores across India, offering a wide range of traditional and contemporary jewelry designs that cater to various consumer tastes and preferences, including bridal collections, fashion jewelry, and men's accessories.
How the Company Makes MoneyTBZ makes money primarily through the sale of jewelry products. Its revenue model is based on the retailing of gold, diamond, and other precious gemstone jewelry through its numerous retail outlets across India. Key revenue streams include direct sales to consumers in physical stores, custom jewelry design services, and potentially online sales platforms. The company may also benefit from strategic partnerships with fashion brands and designers, enhancing its product offerings and brand visibility. Additionally, TBZ's earnings are influenced by factors such as fluctuations in gold and diamond prices, consumer spending trends, and the cultural significance of jewelry in Indian society, particularly for weddings and festive occasions.

Tribhovandas Bhimji Zaveri Limited Financial Statement Overview

Summary
Tribhovandas Bhimji Zaveri Limited shows strong revenue growth and improving profitability margins, indicating solid operational performance. However, moderate leverage and cash flow challenges in 2025 pose risks, though historical performance suggests potential for recovery.
Income Statement
78
Positive
Tribhovandas Bhimji Zaveri Limited shows a strong revenue growth trajectory with a 14.20% increase in 2025 over 2024. Gross profit margin stands at a healthy 14.39% for 2025, indicating efficient cost management. The net profit margin improved to 2.60% in 2025, reflecting better profitability, although still modest. EBIT and EBITDA margins strengthened substantially, indicating improved operational efficiency.
Balance Sheet
65
Positive
The company's debt-to-equity ratio is 1.20, which suggests moderate leverage, posing some risk if revenue growth doesn't sustain. However, the return on equity (ROE) at 10.41% in 2025 indicates decent returns on investment. The equity ratio is 37.15%, demonstrating a balanced capital structure with room for potential growth.
Cash Flow
55
Neutral
Tribhovandas Bhimji Zaveri had a challenging year in 2025 with negative operating and free cash flows, indicating cash flow management issues. The free cash flow to net income ratio is negative, highlighting a reliance on external financing. However, previous years showed positive cash flow generation, suggesting potential for recovery.
BreakdownTTMDec 2025Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue26.22B26.25B22.99B23.93B18.44B13.42B
Gross Profit4.00B3.78B3.17B3.01B2.39B2.36B
EBITDA1.77B1.77B1.42B1.19B802.58M1.30B
Net Income683.88M683.88M544.27M401.90M201.82M432.67M
Balance Sheet
Total Assets17.69B17.69B14.59B14.75B14.57B12.15B
Cash, Cash Equivalents and Short-Term Investments982.13M982.13M496.69M454.91M452.73M395.47M
Total Debt7.92B7.92B6.14B5.75B5.88B4.38B
Total Liabilities11.12B11.12B8.57B9.15B9.29B6.92B
Stockholders Equity6.57B6.57B6.02B5.60B5.28B5.23B
Cash Flow
Free Cash Flow0.00-388.13M302.34M854.40M-672.83M2.30B
Operating Cash Flow0.00-268.54M396.89M931.69M-661.97M2.31B
Investing Cash Flow0.00-450.42M-65.75M-66.11M-20.92M52.72M
Financing Cash Flow0.00849.44M-291.86M-867.24M707.66M-2.33B

Tribhovandas Bhimji Zaveri Limited Technical Analysis

Technical Analysis Sentiment
Negative
Last Price185.05
Price Trends
50DMA
189.96
Negative
100DMA
192.07
Negative
200DMA
198.77
Negative
Market Momentum
MACD
-1.51
Positive
RSI
45.41
Neutral
STOCH
32.04
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:TBZ, the sentiment is Negative. The current price of 185.05 is below the 20-day moving average (MA) of 188.83, below the 50-day MA of 189.96, and below the 200-day MA of 198.77, indicating a bearish trend. The MACD of -1.51 indicates Positive momentum. The RSI at 45.41 is Neutral, neither overbought nor oversold. The STOCH value of 32.04 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:TBZ.

Tribhovandas Bhimji Zaveri Limited Peers Comparison

Overall Rating
UnderperformOutperform
Sector (61)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
66
Neutral
₹12.35B16.72
1.21%13.93%22.84%
61
Neutral
$17.96B13.14-5.29%3.00%1.25%-13.95%
₹301.15M
58
Neutral
₹87.39B12.50
173.56%
₹53.53B57.13
62
Neutral
₹62.26B28.99
0.26%27.47%-0.43%
58
Neutral
₹68.03B62.53
0.57%28.28%-16.65%
* Consumer Cyclical Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IN:TBZ
Tribhovandas Bhimji Zaveri Limited
185.05
-45.60
-19.77%
IN:GOENKA
Goenka Diamond & Jewels Ltd.
0.92
-0.10
-9.80%
IN:PCJEWELLER
PC Jeweller Ltd.
13.17
0.85
6.90%
IN:RAJESHEXPO
Rajesh Exports Limited
180.45
-111.95
-38.29%
IN:SENCO
Senco Gold Limited
385.10
-208.07
-35.08%
IN:THANGAMAYL
Thangamayil Jewellery Ltd.
2,194.60
160.82
7.91%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Aug 09, 2025