Is ISF a good quality company?

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

Is ISF undervalued or overvalued?

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

What is ISF share price return in the past 10 years?

ISF Ltd share price has appreciated 28.1% annually (CAGR) over the past ten years.

Is ISF a good buy now?

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

ISF Ltd - Stock Valuation and Financial Performance

Name: ISF
Brand: ISF

BSE: 526859 | NSE: | Finance - NBFC | Small Cap

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ISF Share Price

₹2.02 0.03 1.51%
as on 17-May'24 09:32

DeciZen - make an informed investing decision on ISF

Based on:

Data

M-Cap below 100cr DeciZen not available

ISF stock performance -

PE Chart Key Ratios

P/E Ratio (SA):

0.00

Market Cap:

18.9 Cr.

52-wk low:

1.6

52-wk high:

Is ISF Ltd an attractive stock to invest in?

10 Year X-Ray of ISF: 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

Standalone Basis ^P Consolidated Basis

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

	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	TTM
Operating Income (₹ Cr.)	0.9	0.8	0.9	1.1	1.2	1.5	1.4	1.4	1.6	1.7	2
YoY Gr. Rt. %	-	-12.4%	9%	24.7%	15.1%	21.3%	-5.4%	-2.9%	20.6%	1.2%	-
Adj EPS (₹ )	-0	0	0	0	0	0	0	0	0.1	0	0
YoY Gr. Rt. %	-	NA	NA	NA	NA	NA	NA	NA	50%	-100%	-
BVPS (₹ )	1.3	1.3	1.3	1.3	1.3	1.4	1.4	1.4	1.5	1.5	1.5
YoY Gr. Rt. %	-	0%	0%	0.8%	0%	6.1%	0%	2.9%	4.2%	0%	-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)	-1.9	0.1	0.1	0.1	0.1	0.2	0.1	2.3	4	0.1	0

CAGR ⓘ

CAGR Colour Code Guide ⓘ


	9 Years	5 Years	3 Years	1 Years
Net Interest Income	7.2%	6.4%	5.8%	1.2%
Adj EPS	NA	NA	NA	-100%
BVPS	1.5%	2.6%	2.3%	0%
Share Price	28.1%	41.2%	4.9%	3.6%

Key Financial Ratios


RATIOS \ YEARS	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	TTM
Asset Quality Ratio	To view Asset Quality Ratio Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)	0	0	0	0	0	0	0	0	0	0	-
Capitalization Ratio	To view Capitalization Ratio Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%)	0	0	0	0	0	0	0	0	0	0	-
Margins
Net Profit Margin (%)	-34.9	1.4	2.6	2.2	1.9	1.9	1.2	25.4	36	0.4	0
Performance Ratios	To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)	-2.5	0.1	0.2	0.2	0.2	0.2	0.1	2.6	4.3	0.1	0

Recent Performance Summary

Latest Financials - ISF Ltd.

	Standalone	Consolidated
TTM EPS (₹)	0	0
TTM Sales (₹ Cr.)	2	0.8
BVPS (₹.) ⓘ	1.5	0
Reserves (₹ Cr.) ⓘ	5	3
P/BV ⓘ	1.32	0.00
PE ⓘ	0.00	0.00

From the Market
52 Week Low / High (₹)	1.57 / 3.00
All Time Low / High (₹)	0.08 / 31.50
Market Cap (₹ Cr.)	18.9
Equity (₹ Cr.)	9.5
Face Value (₹)	1
Industry PE ⓘ	29.9

Management X-Ray of ISF:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged ^*

0.00

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

Valuation of ISF

Price Calculator

Price Chart

Price to Earnings

Enterprise Value to EBIT

Price to Book-Value

Price to Sales

Dividend History

Analyst's Notes

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Key Ratios of ISF

Standalone Basis Consolidated Basis

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23
Income	0.89	0.78	0.85	1.06	1.22	1.48	1.43	2.46	1.64	1.78
Interest Income	0.89	0.78	0.85	1.06	1.22	1.48	1.40	1.36	1.64	1.66
Other Income ⓘ	0	0	0	0	0	0	0.03	1.10	0	0.12
Expenditure ⓘ	0.86	0.77	0.82	1.03	1.19	1.44	1.41	1.86	0.80	1.74
Interest Expense ⓘ	0.33	0.35	0.36	0.38	0.34	0.21	0.12	0.01	0.09	0.03
Operating Expenses ⓘ	0.36	0.30	0.32	0.40	0.41	0.45	0.36	0.40	0.66	0.50
Provisions	0.17	0.12	0.13	0.25	0.44	0.78	0.92	1.45	0.05	1.21
Exceptional Items ⓘ	0	0	0	0	0	0	0	0	0	0
Profit Before Tax ⓘ	0.03	0.02	0.03	0.03	0.04	0.04	0.02	0.60	0.83	0.04
Taxes ⓘ	0.34	0.01	0.01	0.01	0.01	0.01	0.01	0.26	0.24	0.04
Profit After Tax	-0.31	0.01	0.02	0.02	0.02	0.03	0.02	0.34	0.59	0.01
Adjusted EPS (₹)	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.1	0.0
Dividend Payout Ratio (%)	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%

Balance Sheet

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23
Equity and Liabilities
Equity Capital	12.39	12.36	12.38	12.41	12.43	13.21	13.23	13.57	14.16	14.17
Share Capital ⓘ	9.50	9.50	9.50	9.50	9.50	9.50	9.50	9.50	9.50	9.50
Reserves ⓘ	2.89	2.86	2.88	2.91	2.93	3.71	3.73	4.07	4.66	4.67
Minority Interest	0	0	0	0	0	0	0	0	0	0
Long Term Borrowings	0.06	0.03	0.03	0.04	0.04	0.05	0.05	0	0	0
Current Liabilities	3.60	3.24	3.78	4.06	3.54	3.37	2.49	0.68	1.25	1.88
Trade Payables	0.11	0.02	0.03	0.25	0.15	0.05	0.04	0.05	0.01	0.03
Short term borrowings	3.23	3.02	3.46	3.57	3.19	3.17	2.38	0.38	0.99	1.84
Other Liabilities	-3.34	-3.05	-3.49	-3.08	-2.59	-3.22	-2.42	-0.44	-1	-1.86
Total Liabilities ⓘ	16.04	15.63	16.19	17.26	16.76	16.63	15.77	14.25	15.41	16.05
Assets
Non Current Asset	0.49	0.34	0.23	0.22	0.22	0.22	0.19	0.01	0	0
Loan Asset	0	0	0	0	0	0	0	0	0	0
Other Non Current Asset ⓘ	0.49	0.34	0.23	0.22	0.22	0.22	0.19	0.01	0	0
Current Asset	15.56	15.29	15.96	17.04	16.55	16.41	15.57	14.24	15.41	16.04
Current Investment	0	0	0	0	0	0	0	0	0	0
Other Current Asset	15.56	15.29	15.96	17.04	16.55	16.41	15.57	14.24	15.41	16.04
Total Assets ⓘ	16.04	15.63	16.19	17.26	16.76	16.63	15.77	14.25	15.41	16.05

Cash Flow

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23
Cash Flow From Operating Activity ⓘ	0.48	0.23	-0.23	-1.17	0.37	0.19	0.70	2.07	-0.09	-1.18
Cash Flow From Investing Activity ⓘ	-0.05	0.07	0.08	0	0	0	0.08	0	0	0
Cash Flow From Financing Activity ⓘ	-0.49	-0.23	0.44	0.87	-0.39	-0.02	-0.91	-2.01	0.51	0.82
Net Cash Flow ⓘ	-0.06	0.08	0.28	-0.30	-0.02	0.18	-0.13	0.06	0.42	-0.36

Finance Ratio

Standalone Basis Consolidated Basis

PARTICULARS	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23
Operational & Financial Ratios
EPS (₹)	0	0	0	0	0	0	0	0	0	0
DPS (₹)	0	0	0	0	0	0	0	0	0	0
BVPS (₹)	1	1	1	1	1	1	1	1	1	1
Performance Ratios
ROA (%)	-1.9	0.1	0.1	0.1	0.1	0.2	0.1	2.3	4.0	0.1
ROE (%)	-2.5	0.1	0.2	0.2	0.2	0.2	0.1	2.6	4.3	0.1
ROCE (%)	2.3	2.3	2.5	2.5	2.3	1.6	0.9	4.2	6.4	0.5
Valuation Parameters
Price/Book(x)	0.2	0.1	0.2	0.4	0.3	0.3	0.2	0.7	18.3	1.3

ISF Ltd Stock News

ISF Ltd FAQs

What is the share price of ISF?

Company share prices are keep on changing according to the market conditions. The closing price of ISF on 17-May-2024 09:32 is ₹2.02.

What is the market cap of ISF?

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 17-May-2024 09:32 the market cap of ISF stood at ₹18.91.

What is the P/E ratio of ISF?

The latest P/E ratio of ISF as of 17-May-2024 09:32 is 0.00.

What is the P/B ratio of ISF?

The latest P/B ratio of ISF as of 17-May-2024 09:32 is 1.32.

What is the 52-week high and low of ISF?

The 52-week high of ISF is ₹3.00 and the 52-week low is ₹1.57.

What is the TTM revenue of ISF?

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of ISF is ₹1.95 ( Cr.) .

About ISF Ltd

Inter State Finance is engaged in the business of hire purchase and leasing. It was incorporated as a private limited company on Aug. 10, 1988 in the name of Inter State Finance and Leasing Company. Subsequently, the company was converted into a public limited company and its name was changed to the present one on October 3, 1994.

In FY07, to offset the fluctuation in the commercial vehicle sector, it negotiated with Citi-Corp Finance India to undertake financing of medical equipment, earthmoving equipment and printing equipment.

Business areas of the company:

The company is engaged in the business of hire purchase and leasing business of light commercial vehicles. It has also financed plant and machinery to a limited extent.

Milestones:

1988 The Company was incorporated with Registrar of Companies, Calcutta as a Private Limited Company on August 10th, in the name of Inter State Finance and Leasing Company. Inter State Finance (ISFL) was promoted by Amarjit Singh, R.N.Grover, Sh. B.K.Moorthy and Sh.Anil Madhok, jointly with the object of carrying on the business of finance, hire purchase and leasing etc. The company is engaged in the business of hire purchase and leasing business and LCVs (light commercial vehicles). It has also financed plant and machinery to a limited extent. 1992 The name was changed to Inter State Finance Private Limited on July 27, subsequently it was converted into Public Limited company on 3rd October, 1994. 1996 K Sankaran Nair was awarded PADMA BHUSHAN, for his outstanding Services to the Nation as Deputy Chairman and Secretary General of ASIAD'82, The rating agency has assigned A+ to the Rs.40 crore NCD (non-convertible debenture) issue of JK Industries. The outstanding rate of Interstate Finance Ltd (ISFL) fixed deposit programme was downgraded from FA+ to FA by Crisil, the leading credit rating agency. 1999 The Company has been able to enter into an arrangement with a major Foreign Bank for financing of commercial vehicles. CARE granted the Company an Investment Grade Rating of CARE BBB (FD)'[Triple B], which indicates sufficient safety for payment of interest and principal. 2000 Crisil has suspended its FB rating, indicating inadequate safety assigned to the fixed deposit programmes of Inter State Finance, Key Corp and Mangalam High Seas for lack of co-operation from them in carrying out a rating review.