WEBSITE BSE:531137 NSE: GEMSTONE INV Inc. Year: 1994 Industry: Finance - NBFC My Bucket: Add Stock
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Gemstone Investments Ltd. is an Indian public limited financial services company incorporated on 5 October 1994 and headquartered in Mumbai, Maharashtra. It is listed on the Bombay Stock Exchange (BSE) with the scrip code 531137 and operates as a non-deposit-taking non-banking financial company (NBFC) registered with the Reserve Bank of India. The company’s primary business involves financing and investment activities, with a focus on catering to the credit requirements of the unorganized sector, including wholesale and retail traders, small-...Read More
Gemstone Investments Ltd. is an Indian public limited financial services company incorporated on 5 October 1994 and headquartered in Mumbai, Maharashtra. It is listed on the Bombay Stock Exchange (BSE) with the scrip code 531137 and operates as a non-deposit-taking non-banking financial company (NBFC) registered with the Reserve Bank of India. The company’s primary business involves financing and investment activities, with a focus on catering to the credit requirements of the unorganized sector, including wholesale and retail traders, small-scale industries and small borrowers, typically through equity investments and lending. It also holds long-term investments in equity shares, debt instruments and related securities across various industries, generating income largely from dividends, interest and profit on sale of investments. Gemstone Investments does not accept public deposits and its NBFC status limits its ability to do so. Over its long history, the company has maintained modest revenue and profitability, with recent financials showing small-scale operations reflective of its niche position in the Indian financial services sector. Its paid-up capital and market presence classify it as a small-cap finance and investment company actively reporting under Indian accounting and corporate governance standards ...Read Less
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Market Cap ₹39 Cr.
Stock P/E 124.8
P/B 0.6
Current Price ₹1.7
Book Value ₹ 2.8
Face Value 1
52W High ₹2.8
Dividend Yield 0%
52W Low ₹ 1.1
Price goes above X
Price falls below X
PE goes above X
PE falls below X
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| #(Fig in Cr.) | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Sales | 1 | 1 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 1 |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Income | 1 | 1 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 1 |
| Total Expenditure | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 1 |
| Operating Profit | 0 | 0 | -1 | 0 | 0 | -0 | 0 | 0 | 0 | -0 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Exceptional Income / Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | 0 | 0 | -1 | 0 | 0 | -0 | 0 | 0 | 0 | -0 |
| Provision for Tax | 0 | 0 | -0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Tax | 0 | 0 | -1 | 0 | 0 | -0 | 0 | 0 | 0 | -0 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -0 | -0 | 0 |
| Profit After Adjustments | 0 | 0 | -1 | 0 | 0 | -0 | 0 | 0 | 0 | -0 |
| Adjusted Earnings Per Share | 0.1 | 0 | -0.1 | 0 | 0 | -0 | 0 | 0 | 0 | -0 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Sales | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Income | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 2 | 1 | 1 |
| Total Expenditure | 2 | 2 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 1 | 1 |
| Operating Profit | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 0 | 0 | 1 | 0 | 0 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Exceptional Income / Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Provision for Tax | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Tax | 0 | 0 | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 0 | 0 | 0 | 0 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 |
| Adjusted Earnings Per Share | 0.1 | 0 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0 | 0 | 0 | 0 | 0 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | -50% | 0% | -13% | -7% |
| Operating Profit CAGR | -100% | 0% | -100% | -100% |
| PAT CAGR | 0% | 0% | -100% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | -5% | 16% | 5% | 20% |
| ROE Average | 1% | 1% | 1% | 2% |
| ROCE Average | 2% | 2% | 2% | 3% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 22 | 22 | 23 | 23 | 24 | 23 | 24 | 24 | 24 | 24 | 25 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Borrowings | 2 | 0 | 1 | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | -0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -0 | -0 | -0 |
| Total Current Liabilities | 1 | 1 | 1 | 1 | 2 | 1 | 1 | 1 | 1 | 0 | 1 |
| Total Liabilities | 25 | 23 | 24 | 27 | 26 | 24 | 25 | 25 | 25 | 25 | 25 |
| Fixed Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 3 | 2 | 4 | 6 | 3 | 1 | 0 | 0 | 0 | 0 | 0 |
| Total Current Assets | 22 | 21 | 20 | 21 | 23 | 23 | 25 | 25 | 25 | 25 | 25 |
| Total Assets | 25 | 23 | 24 | 27 | 26 | 24 | 25 | 25 | 25 | 25 | 25 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 2 |
| Cash Flow from Operating Activities | -4 | 0 | 0 | -3 | 1 | 1 | 1 | -1 | -0 | 1 | -0 |
| Cash Flow from Investing Activities | 3 | 0 | -0 | 0 | 1 | 0 | 0 | 0 | -0 | 0 | -0 |
| Cash Flow from Financing Activities | 1 | -0 | 0 | 2 | -2 | -1 | -0 | -0 | -0 | -0 | -0 |
| Net Cash Inflow / Outflow | 0 | -0 | 0 | -0 | -0 | 0 | 1 | -1 | -0 | 1 | -0 |
| Closing Cash & Cash Equivalent | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 2 | 1 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 0.06 | 0.04 | 0.07 | 0.05 | 0.11 | 0.1 | 0.05 | 0.03 | 0.03 | 0.05 | 0.04 |
| CEPS(Rs) | 0.06 | 0.04 | 0.07 | 0.06 | 0.12 | 0.11 | 0.06 | 0.03 | 0.03 | 0.05 | 0.04 |
| DPS(Rs) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Book NAV/Share(Rs) | 2.94 | 2.98 | 3.06 | 3.12 | 3.23 | 3.11 | 3.16 | 3.19 | 3.22 | 3.26 | 3.31 |
| Core EBITDA Margin(%) | 32.15 | 25.82 | 39.38 | 37.66 | 60.45 | 54.9 | 28.73 | 42.78 | 23.38 | 23.77 | 37.72 |
| EBIT Margin(%) | 31.61 | 25.37 | 36.66 | 35.34 | 58.04 | 52.35 | 26.3 | 39.58 | 22.33 | 23.62 | 37.56 |
| Pre Tax Margin(%) | 26.61 | 22.58 | 36.12 | 28.45 | 48.11 | 49.53 | 25.96 | 31.19 | 22.31 | 23.05 | 36.85 |
| PAT Margin (%) | 17.73 | 13.39 | 23.37 | 20.52 | 34.62 | 36.93 | 19.19 | 23.08 | 19.33 | 16.71 | 25.38 |
| Cash Profit Margin (%) | 18.27 | 13.96 | 26.1 | 22.99 | 37.07 | 39.78 | 22 | 27.1 | 20.38 | 16.85 | 25.54 |
| ROA(%) | 1.72 | 1.28 | 2.06 | 1.56 | 3.02 | 2.92 | 1.59 | 0.84 | 0.92 | 1.42 | 1.27 |
| ROE(%) | 1.89 | 1.39 | 2.15 | 1.73 | 3.4 | 3.13 | 1.67 | 0.88 | 0.96 | 1.45 | 1.29 |
| ROCE(%) | 3.16 | 2.51 | 3.31 | 2.76 | 5.24 | 4.32 | 2.28 | 1.51 | 1.11 | 2.05 | 1.9 |
| Receivable days | 5.3 | 5.37 | 5.92 | 3.43 | 0.44 | 0.5 | 0.49 | 1.11 | 0.47 | 0.05 | 0.09 |
| Inventory Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Payable days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PER(x) | 6.17 | 0 | 7.08 | 17.64 | 6.76 | 4.85 | 24.52 | 55.36 | 21.17 | 22.93 | 52.25 |
| Price/Book(x) | 0.12 | 0 | 0.15 | 0.3 | 0.23 | 0.15 | 0.41 | 0.49 | 0.2 | 0.33 | 0.67 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EV/Net Sales(x) | 1.84 | 3.38 | 1.75 | 5.01 | 2.74 | 1.72 | 4.27 | 12.43 | 3.9 | 3.04 | 12.28 |
| EV/Core EBITDA(x) | 5.74 | 13.03 | 4.45 | 13.25 | 4.53 | 3.11 | 14.65 | 28.5 | 16.67 | 12.81 | 32.55 |
| Net Sales Growth(%) | 113.21 | -1.32 | -9.3 | -6.56 | 19.97 | -13.96 | 1.41 | -55.42 | 31.11 | 77.14 | -40.84 |
| EBIT Growth(%) | 84.8 | -20.8 | 31.08 | -9.94 | 97.05 | -22.41 | -49.05 | -32.9 | -26.04 | 87.43 | -5.93 |
| PAT Growth(%) | 123.03 | -25.49 | 58.28 | -17.93 | 102.39 | -8.22 | -47.3 | -46.39 | 9.84 | 53.09 | -10.12 |
| EPS Growth(%) | 123.06 | -25.59 | 58.54 | -18 | 102.48 | -8.27 | -47.27 | -46.36 | 9.64 | 53.42 | -10.19 |
| Debt/Equity(x) | 0.08 | 0.01 | 0.03 | 0.13 | 0.05 | 0 | 0 | 0 | 0 | 0 | 0 |
| Current Ratio(x) | 24.63 | 37.05 | 37.38 | 27.93 | 11.67 | 21.53 | 21.62 | 26.53 | 25.87 | 80.22 | 47.02 |
| Quick Ratio(x) | 24.63 | 37.05 | 37.38 | 27.93 | 11.67 | 21.53 | 21.62 | 26.53 | 25.87 | 80.22 | 47.02 |
| Interest Cover(x) | 6.32 | 9.11 | 67.03 | 5.13 | 5.84 | 18.57 | 77.42 | 4.72 | 1340.03 | 41.1 | 53.16 |
| Total Debt/Mcap(x) | 0.73 | 0 | 0.17 | 0.42 | 0.21 | 0.03 | 0 | 0 | 0 | 0 | 0 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0 | 0 | 0 | 0 | 0 |
| FII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| DII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Public | 99.99 | 99.99 | 99.99 | 99.99 | 99.99 | 100 | 100 | 100 | 100 | 100 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| FII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| DII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Public | 7.47 | 7.47 | 7.47 | 7.47 | 7.47 | 7.48 | 7.48 | 7.48 | 7.48 | 7.48 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 7.48 | 7.48 | 7.48 | 7.48 | 7.48 | 7.48 | 7.48 | 7.48 | 7.48 | 7.48 |
* The pros and cons are machine generated.
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