SEBI Reg. Investment Advisor

Download App
Help Center Subscribe
Money Works 4 Me Logo MoneyWorks4Me
Talk to Advisor
Login Get Free Account
Sign Up

MoneyWorks4Me

Log In Sign Up Schedule Free 15‑min Call
Login Get Free Account
Sign Up

INVESTMENT INSIGHTS

Check Before You Invest : Gold Rock Investments Ltd

BSE: 501111 NSE: ISIN: INE598F01014
  |   Sector:  BFSI   |   Industry:  Finance - Investment

Snapshot

Q.1 Which industry/sub-sector does Gold Rock Investments Ltd belong to?
Gold Rock Investments Ltd belongs to the BFSI sector, operating specifically within the Finance - Investment segment.
Q.2 Is Gold Rock Investments Ltd a good quality company?
Gold Rock Investments Ltd is a quality company, based on a multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

Q.3 Is Gold Rock Investments Ltd undervalued or overvalued?
Gold Rock Investments Ltd appears Undervalued, as its key valuation ratios are lower than their past averages.

Based on the industry it operates in, the relevant valuation ratios include one of the following, P/E, P/BV, P/Sales, EV/EBITDA or a combination of two or more.

Valuation Ratios Current 5-year
Historic Median
Price to Earnings 0.05 0.17
Price to Book 0.01 0.01
Price to Sales 0.04 0.23
EV to EBITDA -1.55 -5.63
Q.4 Is Gold Rock Investments Ltd a good buy now?
Gold Rock Investments Ltd is not a good buy now, based on weak price trend analysis suggesting prices may fall. However, you need to check its quality and valuation before making a decision

Performance Analysis

We have analysed the performance of the company on the following:

  • How has it performed on generating Profits?

    By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.

  • How efficiently has it grown and managed operations?

    By checking its Total Asset growth.

  • How strong is its Capital position and Asset Quality?

    By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

A: What are the trends in income and profitability?

Q.1 Total Income growth of Gold Rock Investments Ltd?
Gold Rock Investments Ltd Operating Income growth is 454.03% for FY-2025, which is above its 5-year CAGR of 27.02%, indicating faster growth.

Q.2 Return on Assets of Gold Rock Investments Ltd?
Gold Rock Investments Ltd Return on Asset is 14.4%, which is above its 5-year historical median of 3.7%, indicating improved earnings on assets.
Current Level 5-year
Historic Median
NPM (%) 84.22 56.14
PPOP (%) 574.15 -30.76
RoA (%) 14.4 3.7

Q.3 Return on Equity (ROE) of Gold Rock Investments Ltd?
Gold Rock Investments Ltd Return on Equity is 14.9% for FY-2025, which is above its 5-year historical median of 3.9%, indicating the business is making better use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of Gold Rock Investments Ltd?
Gold Rock Investments Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is 574.15% for FY-2025, which is above its 5-year median(-30.76%), indicating increasing margins.

Q.5 Net Profit Margin of Gold Rock Investments Ltd?
Gold Rock Investments Ltd Net Profit Margin, which is the difference between the rate of interest earned on assets and the rate of interest paid on liabilities, is 84.22% for FY-2025, which is above its 5-year median( 56.14%), indicating increasing margins.

Q.6 Does its ROIC exceed its WACC?
Gold Rock Investments Ltd return on invested capital (ROIC) is 14.87% for FY-2025, is higher than its estimated weighted average cost of capital (WACC) of 14%, indicating value creation.

B: Does the bank grow efficiently and manage its operating costs?

Q.7 Total Asset growth of Gold Rock Investments Ltd?
Gold Rock Investments Ltd Total Asset growth is 10.37% for FY-2025, which is below its 5-year CAGR of 16.66%, indicating slower growth.

Ownership & governance

D: Promoter shareholding and pledge status of Gold Rock Investments Ltd?

Q.1 Promoter shareholding and pledge status of Gold Rock Investments Ltd?
Promoters hold 72.58% of the Gold Rock Investments Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

E: How does Gold Rock Investments Ltd performance compare with that of its Peers?

Q.1 AUM Growth of Gold Rock Investments Ltd vs Industry Peers?
Gold Rock Investments Ltd AUM CAGR is 16.66%, compared to the 5-year industry median CAGR of 9.27%, indicating faster growth and gaining its market share.

Q.2 Profit metrics (NPM, PPOP, RoA) of Gold Rock Investments Ltd vs industry peers
Gold Rock Investments Ltd profit metrics are above the industry median level of -1.27%, indicating stronger profitability compared to peers.
Profit Metrics
Current Level 5-year
Industry Median
NPM (%) 84.22 3.12
PPOP (%) 574.15 -7.72
RoA (%) 14.4 0.8

Q.3 Operating efficiency of Gold Rock Investments Ltd vs industry peers?
Gold Rock Investments Ltd ROCE (4.8) is above the industry median of (1.8); while the current ROE (3.9) are above than the 5-year average Industry ROE (0.9). This shows that the business is positioned in the top quartile of the industry.
Operating Efficiency
Current Level 5-year
Industry Median
NPM (%) 84.22 3.12
PPOP (%) 574.15 -7.72
RoA (%) 14.4 0.8
ROCE (%) 16.5 1.8
ROE (%) 14.9 0.9

Valuation & price assessment

Q.1 Stock return of Gold Rock Investments Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 3.4% based on the current price.
9Y 5Y 3Y 1Y
Share Price
CAGR		 3.4% 3% 3.3% 4.9%
Q.2 How do the current valuation ratios compare with 5-year historical median and industry numbers?
Valuation Ratios Current 5-year
Historic Median		 5-year
Industry Median
Price to Earnings 0.05 0.17 33.75
Price to Book 0.01 0.01 0.95
Price to Sales 0.04 0.23 12.43
EV to EBITDA -1.55 -5.63 10.00
Q.3 Valuation ratios of Gold Rock Investments Ltd vs historical and industry averages?
The current Price-to-Book (P/B) ratio of 0.01 is lower than its historical median of 0.01, indicating that the stock is trading below its historical average valuation.

Check more companies

1. Cholamandalam Fin.
2. TVS Holdings
3. Capri Global Capital
4. Maharashtra Scooters
5. JSW Holdings
6. JM Financial
7. TSF Investments
8. Religare Enterprises
9. Kama Holdings
10. Pilani Investment

Check trending companies

1. Sun TV Network Ltd.
2. Bajaj Finserv Ltd.
3. Anand Rathi Wealth Ltd.
4. Muthoot Finance Ltd.
5. Bharat Petroleum Corporation Ltd.
2026 ©The Alchemists Ark Pvt. Ltd. All rights reserved. MoneyWorks4Me® is a registered trademark of The Alchemists Ark Pvt. Ltd.

About MoneyWorks4Me

MoneyWorks4Me is a SEBI-registered Investment Adviser (IA) dedicated to helping investors build long-term wealth through transparent, research-driven, conflict-free guidance. Founded in 2008, we started our journey as a Research Analyst (RA), providing deep fundamental analysis, intrinsic value insights, and long-term investing frameworks for Indian equities. In 2017, we transitioned to a full-fledged SEBI-registered Investment Adviser, strengthening our commitment to acting as a fiduciary—always putting the investor’s interest first.

Our Vision

To become India’s most trusted, research-powered fiduciary advisory platform—where every investor, regardless of experience, can make calm, confident, and well-reasoned investment decisions.

What Makes MoneyWorks4Me Different

Our Approach: Ensuring compounding work its magic on client portfolio.

MoneyWorks4Me ensures this through: