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    Finance/Rental/Leasing
Gemstone Investments Limited

Gemstone Investments Limited

BBSE:GEMSI
1.21
INR
+0.01
(+0.83%)
0.09EPS
17.07P/E
716.58MMarket Cap
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
0.12
0.31
0.26
0.28
0.25
0.3
0.27
0.27
0.12
0.16
0.28
0.17
0.3
0.28
Basic EPS, GAAP
0.02
0.06
0.04
0.08
0.07
0.11
0.1
0.05
0.03
0.03
0.05
0.04
0.05
0.09
Free Cash Flow per Basic Share
-0.67
-0.5
0.01
0.01
-0.37
0.15
0.11
0.1
-0.09
-0.01
0.19
-0.06
-3.9
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
2.88
2.93
2.98
3.06
3.12
3.23
3.11
3.16
3.19
3.22
3.26
3.31
6.65
- -
Tangible Book Value per Share
2.88
2.93
2.98
3.06
3.12
3.23
3.1
3.16
3.19
3.22
3.26
3.31
6.65
- -
Basic Weighted Avg Shares
92
75
75
75
75
75
75
75
75
75
75
75
75
129
Sales/Revenue/Turnover
11
23
20
21
19
22
20
20
9
12
21
12
22
36
Operating Margin (%)
30.18
73.31
-1,366.47
55.46
31.9
50.37
63.62
80.68
67.93
73.72
85.91
37.76
37.16
49.14
Depreciation Expense
- -
- -
- -
1
- -
1
1
1
- -
- -
- -
- -
- -
- -
Net Income, GAAP
2
4
3
6
5
8
7
4
2
2
4
3
4
12
Effective Tax Rate (%)
33
33.36
40.71
30.39
23.61
28.03
25.43
26.07
26.01
13.35
27.51
31.13
39.05
30.91
Profit Margin (%)
16.95
17.73
15.61
29.21
26.33
36.25
36.93
19.19
23.08
19.33
16.71
25.38
18.08
32.21
Working Capital
167
212
201
193
198
213
220
234
238
240
244
222
453
- -
LT Debt
11
19
3
6
4
2
1
- -
- -
- -
- -
- -
- -
- -
Total Equity
215
219
222
229
234
242
232
236
238
241
244
247
497
- -
Return on Invested Capital (%)
0.82
1.77
1.32
2.65
2.01
3.13
3.03
5.16
1.92
3.17
1.49
1.31
1.16
- -
Return on Capital (%)
0.82
2.11
1.49
2.67
2
3.13
3.04
1.66
0.88
0.96
1.49
1.31
1.16
- -
Return on Common Equity (%)
0.86
1.89
1.39
2.69
2.16
3.4
3.13
1.67
0.88
0.96
1.45
1.29
1.09
- -

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
36
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
75
75
468
Market Capitalization
137
90
717

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
489
- -
Cash, Cash Equivalents & STI
- -
4
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
37
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
36
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
11.19%
21.15%
101.14%
Free Cash Flow
38.6%
924.7%
6,686.95%
Net Income, GAAP
12.05%
6.84%
27.78%
Sales/Revenue/Turnover
9.72%
18.26%
79.33%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
6
3
- -
4
12
2026
4
4
6
9
22
2027
17
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
0.04
- -
-0.01
0.01
0.04
2026
0.02
0.02
-0.04
0.05
0.05
2027
0.03
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
2027
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Sudhakar Bhagawatlal Gandhi
Full Time Employees
10
Sector
Finance
Industry
Finance/Rental/Leasing
Address
Unit No. 1212 Mumbai MA India 400097
IPO Date
Jul 24, 1995
Website
gemstoneltd.com
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Business
Gemstone Investments Limited, incorporated in 1994 and headquartered in Mumbai, India, operates as a non-banking financial company (NBFC) registered with the Reserve Bank of India. The company primarily engages in financing activities catering to the credit needs of the unorganized sector, including wholesale and retail traders, small-scale industries, and small borrowers at the local level. Its core products and services include long-term investments in equity shares, debt instruments (both listed and unlisted), equity-related securities of companies across various industries, and lending activities. Gemstone Investments operates as an investment company that does not accept public deposits and focuses on providing credit to clients lacking access to organized financial institutions. The company's recent financial performance reflects sales and profit fluctuations but remains committed to its niche market segment. There are no prominently reported recent major strategic changes or new product launches publicly disclosed within the last 1-2 years. The company continues to maintain its focus on financing and investment services within India under the management of Mr. Sudhakar Gandhi. Gemstone Investments Limited operates primarily in the Indian financial services sector with a specialization in specialty finance for smaller businesses and local borrowers.