Senco Gold Limited · NSE:SENCO
Senco Gold — Q4 FY26 Earnings Presentation
51 slides from Senco Gold's earnings presentation, May 27, 2026
Slide 1: Exchange cover letter: Investor Presentation Q4 & FY26 Results
Ref: SEC/SE/17/2026-27 Date: 27th May 2026 The Manager- Listing The Manager – Listing The National Stock Exchange of India Limited BSE Limited “Exchange Plaza”, Bandra – Kurla Complex, Bandra Corporate Relationship Department (EAST), Mumbai – 400051 Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai -
Slide 2: Investor Presentation Q4 & FY26 Audited Results
INVESTOR PRESENTATION Q4 & FY26 Audited Results 26th May 2026 All figures are in INR Mn unless otherwise stated BSE – 543936 NSE - SENCO Bloomberg – SENCO:IN
Slide 3: Disclaimer
Disclaimer This presentation has been prepared for general information purposes in respect of Senco Gold Limited (“Company”) together with its subsidiaries, as applicable (together, with the Company, the “Group”) only, without regard to any specific objectives, suitability, financial situations and
Slide 4: Company Highlights
Company Highlights 87+ 4th Amongst The Most Trusted 3215+ Years of legacy Generation Leadership Jewellery Brand in India Team Strength 18 130 Towns & Cities and 201 Showrooms (including 85 5.84 Lac States & UT Presence 2 in Dubai Franchisee, 12 Sennes and 2 UAE) Sq Ft Total Retail Area 3.22 Mn+ 70%
Slide 5: Q4 & FY26 Performance
|Q4 & FY26 Performance
Slide 6: Management Remarks
Management Remarks "We are pleased to report a strong Q4, crossing Rs 1,997 Cr revenue, Rs 274 Cr EBITDA and Rs 157 Cr PAT for Q4 FY26, and closing FY26 with record sales of Rs 8,430 Cr at ~33% YoY growth, a significant acceleration over last year. This performance reflects the faith and trust of ou
Slide 7: Q4 & FY26 Consolidated Operational Highlights
Q4 & FY 26 Consolidated Operational Highlights ❖ FY26 Performance- Accelerated double-digit growth in terms of Revenue growth 1.3x (Rs 6,328 Cr to Rs 8,430 Cr), EBITDA 2.6x growth (Rs 368 Cr to Rs 969 Cr) and PAT 3.6x growth (Rs 159 Cr to Rs 574 Cr). EBITDA Margin was high at 11.5%, driven by gains
Slide 8: Profit & Loss Statement (Standalone)
Profit & Loss Statement (Standalone) Sl. Particulars (INR Mn) FY26 FY25 YoY (%) Q4 FY26 Q4 FY25 YoY (%) FY24 FY23 FY22 1 Revenue from Operations 83,741.3 62,586.8 34% 19,629.4 13,619.5 44% 52,296.6 40,755.6 35,346.4 2 Cost of Goods Sold 67,186.2 54,036.7 24% 15,211.2 11,286.3 35% 44,259.8 34,217.6 2
Slide 9: Profit & Loss Statement (Consolidated)
Profit & Loss Statement (Consolidated) Sl. Particulars (INR Mn) FY26 FY25 YoY (%) Q4 FY26 Q4 FY25 YoY (%) FY24 FY23 FY22 1 Revenue from Operations 84,300.3 63,280.7 33% 19,966.6 13,777.1 45% 52,414.4 40,774.0 35,346.4 2 Cost of Goods Sold 67,620.6 54,765.5 23% 15,499.0 11,464.6 35% 44,400.5 34,219.3
Slide 10: Consolidated Balance Sheet
Consolidated Balance Sheet Sl. Particulars (INR Mn) As at As at As at Particulars (INR Mn) As at As at As at Mar-26 Mar-25 Mar-24 Mar-26 Mar-25 Mar-24 EQUITY AND LIABILITIES ASSETS Audited Audited Audited Audited Audited Audited 1 Equity & Non Current Liabilities Non Current Assets 2 Total Equity 25
Slide 11: Consolidated Cash Flow Statement
Consolidated Cash Flow Statement FY26 FY25 FY24 Sl. No. Particulars (INR Mn) Audited Audited Audited A Cash Flow from Operating Activities 1 Profit/(loss) before Tax and Exceptional Items 7,627.4 2,178.6 2,495.4 2 Adjustments for: 3 Depreciation and Amortisation Expense 819.6 681.3 601.1 4 Finance C
Slide 12: Quarterly Performance Trend- Consolidated
Quarterly Performance Trend- Consolidated Total Income and Avg Gold Price Trend 31,011 20,587 20,100 20,000 18,449 16,611 15,539 15,154 14,692 15,000 13,493 13,148 14,162 13,924 13,545 11,576 11,501 11,650 10,123 9,201 9,608 8,213 9,020 7,807 10,000 6,362 7,208 7,232 5,244 5,244 5,235 5,716 6,016 5,
Slide 13: Business Performance- Consolidated
Business Performance- Consolidated Revenue from Operations EBITDA & EBITDA Margin (%) PAT & PAT Margin (%) 33% 84,300 CAGR 24% 7,000 90,000 80,000 21% 12,000 9,690 6,000 70,000 29% 63,281 10,000 6.8% 5,000 60,000 15% 52,414 8,000 11.5% 5,743 50,000 4,000 3.9% 40,774 3.7% 3.5% 3.2% 40,000 35,346 6,00
Slide 14: Key Operational Metrics (Standalone)
Key Operational Metrics (Standalone) Showroom Presence In India Revenue Growth – Total & SSSG Stud Ratio COCO Showrooms (102), FOFO (76), FOCO (9) and Sennes(12) 250 5yrs CAGR 11.4% 33% 33% 10.9% 11.0% ~24% 35% 174 199 10.0% 159 29% 200 12 30% 27% 136 4 24% 8.0% 127 25% 21% 150 85 19% 72 20% 66 15%
Slide 15: Key Financial Metrics - Consolidated
Key Financial Metrics - Consolidated ROCE & ROE Cash Conversion Cycle-CCC Capital Employed & Net worth 48,596 30.0% 180 170 25.6% 158 37,393 160 25.0% 136 139 22.5% 140 28,639 19.4% 118 20.0% 18.2% 19.0% 120 25,137 15.7% 21,248 16.3% 100 19,703 15.0% 14.3% 80 15,889 10.7% 60 13,655 10.0% 9.6% 40 7,2
Slide 16: Company
Company
Slide 17: Company Overview
Company Overview Senco Gold Limited, with a legacy of over eight decades of family business legacy, was incorporated Consolidated Revenue (INR Mn) & EBITDA Margins (%) in 1994 as a corporate entity, is a leading jewellery retailer in India. 90, 000 84,300 20. 00% 18. 00% 80, 000 The company offers a
Slide 18: Eight Decades of Heritage, Innovation & Growth
Eight Decades of Heritage, Innovation & Growth Franchisee Model And Largest Showroom 2000 - Opened first franchisee showroom in Durgapur, West Bengal. 2004 - Largest showroom with an area of 8,000 sq. ft. QIP and Share Split Introduced Everlite launched in Kolkata. 2025 2016 2007 - Mr Suvankar Sen j
Slide 19: Legacy-Driven Leadership, Future-Focused Vision
Legacy-Driven Leadership, Future-Focused Vision Shri Maran Chand Sen Shri Prabhat Chandra Sen Born to a school principal, Shri Maran Chand Sen began his Shri Prabhat Chandra Sen, son of Shri Maran Chand Sen, jewellery business in Tanti bazar, Dhaka, in 1938. Following embarked on his entrepreneurial
Slide 20: Strategic Board Leadership Inspiring with Vision
Strategic Board Leadership Inspiring with Vision JOITA SEN RANJANA SEN SUVANKAR SEN Whole Time Director & Executive Chairperson Managing Director & CEO Head Marketing & Design • 20+ years of experience in the jewellery • Experience of 16+ years in jewellery • Over 30 years of experience in the jewel
Slide 21: Celebrating Milestones of Trust and Credibility
Celebrating Milestones of Trust and Credibility The Rising Star, 40 Ratnagarbha Award Under 40 Award by for Exemplary Best Hedger Award Business Excellence IIJS Premiere 2023 Motherhood by by MCX Awards Awards and Gem & Bengal Chamber of 2024 Jewellery Export Commerce Promotion Council & Industry in
Slide 22: Competitive Edge: Strong Fundamentals, Stronger Position
Competitive Edge: Strong Fundamentals, Stronger Position Pan-India Presence, Market Leader in East Multi-Brand Portfolio Targeting Diverse Consumers With 199 stores and strong market share in Eastern India, Senco has a solid Strategically expanded beyond its core gold and diamond regional stronghold
Slide 23: Business
Business
Slide 24: Expanding Pan-India Retail Footprint
Expanding Pan-India Retail Footprint Region Own Franchisee Total West Bengal incl Kolkata 45 61 106 North including Delhi NCR 23 3 26 East(Excluding WB) 13 15 28 North East 2 4 6 West 9 1 10 South 5 0 5 Chandigarh - 2 Dehradun - 1 Central 5 1 6 Gurgaon - 2 Ghaziabad - 1 International-Dubai 2 0 2 Gan
Slide 25: Customer Centric Showrooms to Enhance Experience
Customer Centric Showrooms to Enhance Experience Classic Everlite • Target Audience: Buyers seeking • Target Audience: Younger generation timeless elegance & millennials • Average Ticket Value (ATV): • Average Ticket Value (ATV): ~INR 46,600 ~INR 94,300 • Presence: 6 showrooms offering • Presence: 1
Slide 26: Diverse Brands From Aspirational to Premium
Diverse Brands From Aspirational to Premium Senco Everlite Gossip Aham Perfect Love Sennes Price Range INR 4,000– INR 50,00,000 INR 8000 – INR 11,41,000 INR 800 – INR 20,000 INR 15,000 – INR INR 20,000 – INR LGD – INR 5,000 onwards 45,00,000 5,30,000 Fragrance – INR 880 to INR 2,900 Bags – INR 2,500
Slide 27: Attractive Jewellery Purchase Plans
Attractive Jewellery Purchase Plans Encourages disciplined Strengthens customer stickiness jewellery savings, ensuring through long-term engagement and predictable demand flow. repeat purchases. Provides steady cash inflows, We also offer Marigold Scheme supporting working capital and under Fixed (
Slide 28: Digital Platforms for GenZ and Convenience
Digital Platforms for GenZ and Convenience MY DIGI GOLD MY DIGI SILVER Digital-first investment platforms by Senco, designed to make precious metals accessible, affordable starting with Rs 800 for Gold and Rs 890 for Silver. My Digi Gold: Enables customers to buy, sell, and accumulate gold in small
Slide 29: Sennes: Redefining Modern Luxury
Sennes: Redefining Modern Luxury Products Lab-grown Diamond jewelleries Leather Bags & Accessories Fine Fragrances for Him & Her Range of products Fashionable leather Accessories Leather Bags Fragrance LGD INR 999 to INR 10,199 INR 8,000 to INR 29,800 INR 990 to INR 2,990 Starting from INR 5,000 Pre
Slide 30: Robust Value Chain for Seamless Collaboration and Growth
Robust Value Chain for Seamless Collaboration and Growth Customer Manufacturing Sourcing & Sales & Marketing Procurement Finance and Human Resources Planning & Monitoring Procurement Advantage Manufacturing • De-risking the business from gold price fluctuations • Jewellery crafted by skilled Karigar
Slide 31: Marketing & Distribution
Marketing & Distribution
Slide 32: Building Momentum Through Purposeful Promotions
Building Momentum Through Purposeful Promotions Financials Company Business Marketing & Distribution Strategy Industry ESG & CSR 31
Slide 33: Key Campaigns & Collection Highlights
Key Campaigns & Collection Highlights Elements of Love – Valentine’s Day Senco Di Wedding – Wedding Campaign Senco Shape of You Versa-Jewelry as versatile as you The nature of love is ever- An exclusive wedding campaign celebrating love stories Shape of You is an innovative Versa showcases jewellery
Slide 34: Accelerating Growth Through Digital Channels
Accelerating Growth Through Digital Channels 119% YoY growth in digital sales (as on FY26) 10.57Mn+ website visits ~32,700 orders fulfilled through e-commerce channels (as on FY26) Also available on Expanding our digital footprint with strong adoption across e-commerce and app platforms, driving gro
Slide 35: Driving Pan India Brand Loyalty
Driving Pan India Brand Loyalty Endorsed by Our Ambassadors National Ambassadors Regional Ambassadors Marketing expense & % of Revenue 1800 2.5 0% 1600 1.99% 1.97% 1.88% 2.0 0% 1400 1.68% 1200 1.5 0% 1000 Kiara Advani Vidya Balan Swastika Dutta 800 1581 1.0 0% 600 1,066 400 810 1,034 0.5 0% 200 0 0.
Slide 36: Strategy
Strategy
Slide 37: Omni-Channel Retail Network: Phygital Strategy
Omni-Channel Retail Network: Phygital Strategy OMNI CHANNEL HYPERLOCAL 201 Showrooms Over ~90% of Own showrooms are leased Hub & Spoke Ai based Fulfillment Model Recommendation Order Processing ‘MySenco’ and Campaign New app with almost Management 1.02 Lakhs + App Upto March 2026 Websites & Apps sen
Slide 38: Successful “Asset-Light” Franchise Model
Successful “Asset-Light” Franchise Model Strategic Advantage of Dual Franchise Formats (FOFO & FOCO) ▪ Leverage the hub-and-spoke model to strategically expand into Tier-III and Tier-IV cities under the broader Bharat Strategy. ▪ Provide end-to-end support to start operations, including store design
Slide 39: Strategies to Drive Future Growth
Strategies to Drive Future Growth Passionately driving sustainable and profitable growth ▪ Sustain, strengthen and leverage the franchisee model to drive growth in Tier 3 1 and Tier 4 towns across India ▪ Enhance asset utilization and drive revenue CAGR through strong Same Store Sales Growth (SSSG)
Slide 40: Digital Focus and Integrated Systems
Digital Focus and Integrated Systems Driving growth through digital focus and integrated systems with AI-powered campaign management, Martech automation, NLP-based 08 01 ERP driven organization integrated with all critical business operations giving real search and chatbots, personalized time contro
Slide 41: Gold Price Risk Management & Hedging
Gold Price Risk Management & Hedging Hedging Mechanism Inventory Hedging Sales Hedging (Daily/Weekly) (Minimum 50% of gold inventory value) (90%-110%) Hedge % range from ~40% to ~90% based upon price volatility Unfixed Gold Metal Loan(GML) MCX Futures & Options Old Gold Trading Jewellery GML Rate bo
Slide 42: Industry
—— Industry
Slide 43: India’s Gems and Jewellery Market likely to Scale to TAM of $130 Billion
India’s Gems and Jewellery Market likely to Scale to TAM of $ 130 Billion India’s Gem and Jewellery Sector (USD Bn) Rising Share of Organized Retail In Jewellery To Continue 130 90 50% 68% 60% 70 95% 94% 48 50% 32% 40% 5% 6% FY18 FY23 FY25 FY30E 2000 2007 2020 2025 2029E Organised Unorganised Bridal
Slide 44: India’s Gems and Jewellery Market: Rural Bharat Leads Demand
India’s Gems and Jewellery Market: Rural Bharat Leads Demand Breakup of Indian Jewellery Market into Gold, Breakup of Gold Consumption by Jewellery Studded and Other and Bars & Coins India is the 2 largest gold market in the world nd 3% 4% 4% 66% 62% 12% 12% 13% 38% 3 Highest component of retail con
Slide 45: Consistent Shift from Unorganized to Organized Jewellers
Consistent Shift from Unorganized to Organized Jewellers Changing Consumer Trends Regulatory Developments Demonetization: Evolution of Consumer Preferences: Transparency Enhanced Through Cashless Transactions Market Transparency, Product Purity, and quality benchmark GST: Implemented Tax Compliance
Slide 46: ESG & CSR
ESG & CSR
Slide 47: Beyond the Shine: Senco’s ESG Value System
Beyond the Shine: Senco’s ESG Value System Environment Sustainable Sourcing & Inclusive Growth Commitment to sourcing ethically and environmentally responsible materials, Social Governance Diversity, Equity & Inclusion (DEI) Ethical Business Conduct including ~36% recycled gold and partnering with M
Slide 48: Corporate Social Responsibility (CSR)
Corporate Social Responsibility (CSR) Growing up Mangroves-Project Swarna Growing up Mangroves-Project Swarna Retail Orientation Course at SHIVSWAY Baguiati Retail Orientation Course at SHVISWAY Amtala Power Breakfast at AlinVillage Inauguration of Library cum Digital Resource Sundari- Hingalgunj Su
Slide 49: Share holding Pattern as on 31st March 2026
Share holding Pattern as on 31st March 2026 Sl No. Category Holding % 1 Promoters 64.50% 2 Foreign Institutional Investors 7.60% 3 Mutual Funds 6.60% 4 Qualified Institutional Buyer 5.10% Shareholding Pattern as on 31st March, 2026 5 Alternative Investment Funds 0.90% 6 Public Shareholders 15.30% Mu
Slide 50: Definition and Abbreviation
Definition and Abbreviation Sl No Short Form Long Form Details 1. ROE Return on Equity PAT/Avg Net worth 2. ROCE Return on Capital Employed EBIT (PBT+ Finance Cost)/Avg Capital Employed (Avg Net worth + Avg Borrowing incl. GML) 3. Net Debt Net Debt Total Borrowings (incl. GML) less Cash/Bank/FD/Marg
Slide 51: For further information, please contact
Mr. Anuj Sonpal CIN: L36911WB1994PLC064637 For further information, please contact Valorem Advisors Tel: +91-22-35075100 Telephone: +91 33 4021 5000 Sanjay Banka Email: senco@valoremadvisors.com Email: IR@sencogold.co.in Group CFO & Head IR Investor Kit Link: Website: https://www.sencogold.com/ sanj