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Gemstone Investments Limited

Gemstone Investments Limited

GEMSI.BO
Gemstone Investments LimitedIN flagBombay Stock Exchange
1.57
INR
-0.02
- -
117.36MMarket Cap
Gemstone Investments Limited
GEMSI.BO
(Bombay Stock Exchange)

Recent

price

1.57

P/E

ratio

- -

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
FRC
0.3
0.24
0.22
0.12
0.31
0.26
0.28
0.25
0.3
0.27
0.27
0.12
0.16
0.28
0.16
- -
0.3
Revenue per Share
0.03
0.05
0.04
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
Basic EPS, GAAP
-0.05
0.02
1.2
-0.67
-0.5
0.01
0.01
-0.37
0.15
0.11
0.1
-0.09
-0.01
0.19
-0.06
- -
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
1
1.03
1.07
0.88
1.15
1.19
1.25
1.31
1.39
1.47
1.4
1.42
1.44
1.48
1.43
- -
0.99
Book Value per Share
2.76
2.82
2.86
2.33
2.93
2.98
3.06
3.12
3.23
3.1
3.16
3.19
3.22
3.26
3.13
- -
6.58
Tangible Book Value per Share
75
75
75
92
75
75
75
75
75
75
75
75
75
75
79
- -
76
Basic Weighted Avg Shares
23
18
16
11
23
20
21
19
22
20
20
9
12
21
12
22
22
Sales/Revenue/Turnover
- -
36.84
28.28
30.18
73.31
-1,366.47
55.46
31.9
50.37
63.62
80.68
67.93
73.72
85.91
36.85
33.71
33.71
Operating Margin (%)
- -
- -
- -
- -
- -
- -
1
- -
1
1
1
- -
- -
- -
- -
- -
- -
Depreciation Expense
2
4
3
2
4
3
6
5
8
7
4
2
2
4
3
4
4
Net Income, GAAP
- -
40.56
32.2
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
39.05
Effective Tax Rate (%)
9.04
21.7
18.11
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
18.08
Profit Margin (%)
178
186
97
167
212
201
193
198
213
220
234
238
240
244
247
453
453
Working Capital
1
1
10
11
19
3
6
4
2
1
- -
- -
- -
- -
- -
- -
- -
LT Debt
207
210
213
215
219
222
229
234
242
232
236
238
241
244
247
497
497
Total Equity
- -
1.91
1.43
0.98
4.89
-68.7
3.49
1.85
3.13
3.91
5.16
1.92
3.17
5.41
1.29
1.18
1.18
Return on Invested Capital (%)
- -
5.17
3.51
2.02
4.96
3.51
6.41
4.39
6.64
6.53
3.61
1.98
2.15
3.3
2.88
3.61
3.61
Return on Capital (%)
2.75
5.22
3.75
2.29
4.92
3.51
6.65
5.21
7.99
6.91
3.64
1.99
2.15
3.22
2.82
4.3
4.3
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'26
Dec'26
Mar'26
ST Debt
- -
- -
36
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
75
- -
75
Market Capitalization
151
137
91

Working Capital

FRC

•

in mil. unless spec.
Sep'26
Dec'26
Mar'26
Total Current Assets
233
- -
489
Cash, Cash Equivalents & STI
27
- -
2
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
2
- -
37
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
36
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

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
25.36%
898.22%
6,555.15%
Net Income, GAAP
12.05%
6.84%
27.78%
Sales/Revenue/Turnover
9.72%
18.26%
79.33%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
5
5
5
6
21
2025
6
3
- -
4
12
2026
4
4
6
9
22

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.03
0.06
0.04
- -
0.05
2025
0.04
- -
-0.01
0.01
0.04
2026
0.02
0.02
-0.04
0.05
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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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.