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Gemstone InvestmentsBOM:531137 -0.67%70 Net Margin % is 42.14% as of Mar. 2026, which is 74% above its 10-year median of 24.23. GuruFocus rates BOM:531137 with a GF Score™ of 70/100 and a GF Value™ of ₹2.77 (Possible Value Trap). The stock has 6 warning signs investors should review. Among 537 Credit Services companies, Gemstone Investments ranks better than 57.54% on this metric.
Gemstone Investments (BOM:531137) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Gemstone Investments Net Margin % Related Terms
Gemstone Investments Net Margin % Historical Data
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The historical data trend for Gemstone Investments's Net Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, Gemstone Investments's Net Margin %, along with its competitors' market caps and Net Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Gemstone Investments Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Gemstone Investments's Net Margin % distribution charts can be found below:
* The bar in red indicates where Gemstone Investments's Net Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Gemstone Investments (BOM:531137) has a Net Margin % of 42.14% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Gemstone Investments and its competitors. This is 74% above median its historical median of 24.23. Over the past decade, Gemstone Investments' Net Margin % has ranged from 16.71 to 36.93. According to the industry distribution chart, Gemstone Investments ranks #228 out of 537 companies in the Credit Services industry, placing it in the top 42.5%.
Is Gemstone Investments' Net Margin % too high?
Gemstone Investments' current Net Margin % of 42.14% is 74% above median its 10-year median of 24.23. Over the past 10 years, this metric has ranged from a low of 16.71 to a high of 36.93. The Credit Services industry median Net Margin % is 15.07. Gemstone Investments' value of 42.14% is 179.6% above this industry median. Based on the distribution chart, Gemstone Investments ranks #228 out of 537 companies in the Credit Services industry, which is above the industry midpoint. Overall, Gemstone Investments has a GF Score™ of 70/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Gemstone Investments' Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Gemstone Investments ranks #228 out of 537 companies for Net Margin %. This puts Gemstone Investments in the upper half of its industry. The industry median Net Margin % is 15.07. Gemstone Investments' value of 42.14% is 179.6% above this benchmark. Historically, Gemstone Investments' own Net Margin % has ranged from 16.71 to 36.93 over the past decade. While the company's 10-year median is 24.23 vs. the industry median of 15.07, Gemstone Investments has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 15.07, based on 537 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Gemstone Investments's current Net Margin % of 42.14% is 179.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Gemstone Investments and its competitors. For the Credit Services industry, the median Net Margin % is 15.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Gemstone Investments's current Net Margin % is 42.14%, which is 74% above median its own 10-year median of 24.23. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Gemstone Investments stock overvalued right now?
Based on GuruFocus' analysis, Gemstone Investments (BOM:531137) is currently considered Possible Value Trap. The stock's GF Value™ is ₹2.77, compared to a current price of ₹1.49 — trading 46.2% below its estimated fair value. The current Net Margin % is 42.14%, which is 74% above median its 10-year median of 24.23 and 179.6% above the Credit Services industry median of 15.07. Gemstone Investments' overall GF Score™ is 70/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Gemstone Investments (BOM:531137), the current Net Margin % is 42.14% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Gemstone Investments (BOM:531137) Overvalued in 2026?
Based on GuruFocus' analysis, Gemstone Investments stock appears to be undervalued.
The current stock price of ₹1.49 is trading 46.2% below its estimated GF Value™ of ₹2.77.
GuruFocus considers Gemstone Investments to be Possible Value Trap.
Key valuation signals for BOM:531137:
Net Margin %: 42.14% (74% above median its 10-year median of 24.23)
GF Value™: ₹2.77 vs. price of ₹1.49 (46.2% below fair value)
Industry Position: 179.6% above the Credit Services median (#228 of 537)
No single metric tells the full story. See the BOM:531137 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Gemstone Investments Ltd is engaged in the non-banking finance business. The company caters to wholesale and retail traders, small-scale industries and small borrowers by the way of equity investments. It generates revenue from interest income.
70GF Score
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