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Garnet International Ltd (512493)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 512493 NSE: Finance - Investment | Small Cap | Garnet International Share Price

₹62.99 -3.11 (-4.70%)

As on 02-Jul'26 16:59

Garnet International Ltd (512493)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 512493 NSE: Finance - Investment | Small Cap | Garnet International Share Price

₹62.99 -3.11 (-4.70%)

As on 02-Jul'26 16:59

Key Metrics
Valuation Multiples
Market Cap
₹124 Cr.
Current Price
₹63
52-Week Low / High
₹42 / 135
TTM EPS
₹1.7
Book Value per Share
₹19.1
P/E Ratio
36.31
Industry PE
57.5
Price to Book (P/B)
3.30
Lower than its 5-year historical median
EV/EBITDA
36.67
In line with its 5-year historical median
Dividend Yield
0%
Profitability Efficiency
Return on Equity (ROE)
0.40%
Return on Capital Employed (ROCE)
0.29%
Return on Assets (ROA)
0.36%
Growth Momentum
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Slowing versus 3-year growth rate
-83.36%
Book Value Growth (1 Year)
Slowing versus 3-year growth rate
0.39%
Asset Quality
Gross NPA(%)
0.00%
Net NPA(%)
0.00%
TTM Sales
₹4.1 Cr.
Reserves
₹18 Cr.
Equity
₹19.6 Cr.
Face Value
₹10
All Time Low / High
₹0.67 / 665.67

Garnet International stock performance

Key Ratios
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Quality

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Valuation

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Price Trend

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Q.1 Is Garnet International Ltd a good quality company?
Garnet International Ltd is a weak quality company, based on a inconsistent 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.

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.

How does Garnet International Ltd performance compare with that of its Peers?
Q.1 AUM Growth of Garnet International Ltd vs Industry Peers?
Garnet International Ltd AUM CAGR is 4.4%, compared to the 5-year industry median CAGR of 9.27%, indicating slower growth and losing its market share.
Q.1 Promoter shareholding and pledge status of Garnet International Ltd?
Promoters hold 49.70% of the Garnet International Ltd, with 49.73% of their stake pledged, indicating high pledge risk.
Q.1 Stock return of Garnet International Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of -1% based on the current price.

10 Year X-Ray : Login to view analysis.

Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Garnet International Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Operating Income (₹ Cr.)23.240.835768.82.31.310.321.619.63.34
YoY Gr. Rt. %-75.8%773.7%-80.7%-96.6%-44.9%699.1%110%-9.1%-83.4%-
Adj EPS (₹ ) 0.24.76-29.5-5.9-2.1-1.41-0.70.11.7
YoY Gr. Rt. %-3053.3%26.2%-594.3%NANANANA-175.8%NA-
BVPS (₹ )22.626.843.620.616.11412.613.512.812.919.1
YoY Gr. Rt. %-18.8%62.5%-52.6%-21.9%-13.1%-10.2%7.5%-5.3%0.4%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)0.617.212.5-66.4-36.3-17.2-12.37.6-5.70.40

CAGR

9 Years 5 Years 3 Years 1 Years
Net Interest Income-19.6%6.9%-31.8%-83.4%
Adj EPS-11.5%NANANA
BVPS-6.1%-4.4%0.7%0.4%
Share Price -2.1% 21.5% 2.6% -51.9%

Key Financial Ratios

RATIOS \ YEARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Margins
Net Profit Margin (%)1.221.63.3-83.7-494.5-321.9-27.58.6-7.23.183.5
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)0.719.217.3-92-32.1-14-10.97.3-5.50.49

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Income + 244936569221022203
Interest Income234135769211022203
Other Income 1023331132240
Exceptional Items 1990010000
Expenditure + 24383551291551320213
Interest Expense 0010000000
Operating Expenses 223833296411118173
Provisions 1023331132240
Exceptional Items 0000000000
Profit Before Tax 01110-60-12-3-32-10
Taxes 02-2-2-110-00-0
Profit After Tax 0912-58-12-4-32-10
Adjusted EPS (₹)0.24.76.0-29.5-5.9-2.1-1.41.0-0.70.1
Dividend Payout Ratio (%)155.40%8.50%8.40%0%0%0%0%0%0%0%

Valuation of Garnet International - Standalone

YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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Analyst's Notes

data not found
No data found!

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Equity and Liabilities

Equity Capital +42508540322825272525
Share Capital 662020202020202020
Reserves 364466211285766
Short term borrowings11472024653
Long Term Borrowings-0-0-0-7-7-6-6-6-6-6
Current Liabilities 82495124653
Trade Payables7002000000
Other Liabilities-8-1-47-4-1-2-4-6-56
Total Liabilities 505213539252323262431

Assets

Non Current Asset +33485129171515152125
Loan Asset 00000000710
Other Non Current Asset 33485129171515151415
Current Asset +1858498871136
Current Investment0000000000
Other Current Asset1858498871136
Total Assets 505213539252323262431

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Cash Flow From Operating Activity 212-8213-12-3-3-20-3
Cash Flow From Investing Activity -1-91132122110-4
Cash Flow From Financing Activity -1-169-460121-17
Net Cash Flow 02-2-10-000-00

Financial Ratio

PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Operational & Financial Ratios

EPS (₹)0.5014.206-29.50-5.90-2.10-1.401-0.700.10
DPS (₹)0.701.200.500000000
BVPS (₹)67.780.443.620.616.11412.613.512.812.9

Performance Ratios

ROA (%)0.617.212.5-66.4-36.3-17.2-12.37.6-5.70.4
ROE (%)0.719.217.3-92.0-32.1-14.0-10.97.3-5.50.4
ROCE (%)1.623.611.6-67.8-32.3-9.3-9.76.1-4.50.3

Valuation Parameters

Price/Book(x)2.87.55.42.62.11.74.44.34.78.9

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *25.8123.6123.0921.9621.930.0011.5325.5346.9149.73
* Pledged shares as % of Promoter's holding (%)

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

Garnet International Ltd FAQs

The current trading price of Garnet International on 02-Jul-2026 16:59 is ₹62.99.

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 01-Jul-2026 the market cap of Garnet International stood at ₹123.7 Cr

The latest P/E ratio of Garnet International as of 01-Jul-2026 is 36.31.

The latest P/B ratio of Garnet International as of 01-Jul-2026 is 3.30.

The 52-week high of Garnet International is ₹135.0 and the 52-week low is ₹42.00.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Garnet International is ₹4.07 ( Cr.) .

Past 10 year’s financial track record analysis by Moneyworks4me indicates that Garnet International Ltd is a below average quality company.

The key valuation ratios of Garnet International Ltd's currently when compared to its past seem to suggest it is in the Fair zone.

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Garnet International Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

About Garnet International Ltd

Garnet International, formerly known as Gslot Entertainment was incorporated in the year 1982. It got its present name in the year 2005.The registered office of the company is located at Nariman Point, Mumbai.

Business area of the Company:-

Garnet International channels funds for investments into shares and securities. The company has ventured into real estate development and construction besides investments in the share market from where it derives its income from the sale of securities and dividends.

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