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Gemstone Investments Limited (531137) Fair Value & Analysis

Financial · IN · Market cap ₹175M

GI Gemstone Investments Limited 531137 · BSE
Price₹1.63
Fair Value₹0.7000
Upside-57.1%
Quality43/100
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Evidence: Medium Range ₹0.5300 – ₹0.8800

Fair value as of: Jul 5, 2026

From 14 valuation models · updated 3 days ago

Share price −0.6% over the past month.

Price vs Fair Value (12 months)

₹2.22 ₹1.21 Fair Value ₹0.7000 Jul 2025 Jul 2026

12‑month range ₹1.21 – ₹2.22 · fair‑value band ₹0.5300 – ₹0.8800 · the ₹1.63 price screens above the ₹0.7000 fair value. As of Jul 5, 2026.

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Analysis

Gemstone Investments Limited (531137) currently trades at ₹1.63, while our model-based Fair Value estimate is ₹0.7000 — implying the stock looks roughly 57.1% overvalued today. We read business quality at 43/100 (below-average quality), in the Financial sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: medium).

Over the trailing twelve months, Gemstone Investments Limited generated revenue of ₹23.0M at a net margin of 45.9%. Revenue declined 9.7% year over year. It earns a return on equity of 4.3%. Net debt stands at ₹35.4M. Fundamentals as of Jul 5, 2026

Our scenario range runs from ₹0.5300 (bear case) to ₹0.8800 (bull case); at ₹1.63, the current price sits above that range. The share trades about 31% below its 52-week high and 43% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial peers we cover trades at -25% fair-value upside — at -57%, 531137 screens richer than that median.

Key figures & financial health

Revenue (TTM) ₹23.0M
Revenue growth (YoY) -9.7%
Net margin 45.9%
Return on equity 4.3%
Free cash flow −₹291M FY2026
P/E ratio 14.8
More key figures
Operating margin 63.4%
EPS (TTM) ₹0.1410
Net debt ₹35.4M FY2026

Figures from reported company fundamentals (EODHD) · as of Jul 5, 2026. TTM = trailing twelve months.

About the company

Gemstone Investments Limited engages in non-banking financial activities in India. It primarily caters to the credit requirements of the unorganized sector, such as wholesale and retail traders, small-scale industries, and small borrowers at the local level by way of equity investments. The company was incorporated in 1994 and is based in Mumbai, India.

Revenue & earnings trend

FY2022 – FY2026 · reported fiscal years

Gemstone Investments Limited reported revenue of ₹22.3M in FY2026 versus ₹9.1M in FY2022, a compound +25.3%/yr. Reported net income was ₹4.0M in FY2026, compounding +17.9%/yr from FY2022.

Revenue +25.3%/yr
FY22 ₹9.1M
FY23 ₹11.9M
FY24 ₹21.1M
FY25 ₹12.5M
FY26 ₹22.3M
Net income +17.9%/yr
FY22 ₹2.1M
FY23 ₹2.3M
FY24 ₹3.5M
FY25 ₹3.2M
FY26 ₹4.0M

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Cite: Fair Value Calculator (2026). "Gemstone Investments Limited Fair Value". https://www.fairvalue-calculator.com/stock/531137

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Frequently asked questions

Is Gemstone Investments Limited (531137) undervalued?
As of Jul 5, 2026, our model estimates a fair value of ₹0.7000 versus a price of ₹1.63 — about −57% (overvalued). Model-based estimate, not financial advice.
What is the fair value of 531137?
Our model-based fair value for Gemstone Investments Limited is ₹0.7000 (as of Jul 5, 2026), built from audited fundamentals. The current price is ₹1.63.
What is the quality score of 531137?
Gemstone Investments Limited has a Quality Score of 43/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of Gemstone Investments Limited (531137)?
Gemstone Investments Limited reported trailing-twelve-month revenue of about ₹23.0M (latest available figure, as of Jul 5, 2026).
What is the net profit margin of 531137?
The net profit margin of Gemstone Investments Limited is about 45.9%, meaning it keeps roughly 45.9% of revenue as net income. Based on the latest reported figures.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.