ISF Ltd - Stock Valuation and Financial Performance

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

ISF Share Price

1.52 0.02 1.33%
as on 10-Feb'25 11:19

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ISF stock performance -
1.52 -1.00-43.00% past year

Price Chart, Live Stock Chart, Technical Chart of
P/E Ratio (SA):
0.00
Market Cap:
14.3 Cr.
52-wk low:
1.3
52-wk high:
2.6

Is ISF Ltd an attractive stock to invest in?

1. Is ISF Ltd a good quality company?

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

2. Is ISF Ltd 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.

3. Is ISF Ltd 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.

10 Year X-Ray of ISF:

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.
ISF Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Operating Income (₹ Cr.)
0.80.91.11.21.51.41.41.61.722
YoY Gr. Rt. %
-9%24.7%15.1%21.3%-5.4%-2.9%20.6%1.2%21.7%-
Adj EPS (₹ )
00000000.10-0.1-0.1
YoY Gr. Rt. %
-NANANANANANA50%-100%NA-
BVPS (₹ )
1.31.31.31.31.41.41.41.51.51.41.4
YoY Gr. Rt. %
-0%0.8%0%6.1%0%2.9%4.2%0%-5.4%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)
0.10.10.10.10.20.12.340.1-4.30

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income11.2%6.4%14.1%21.7%
Adj EPSNANA-226%NA
BVPS0.9%0.3%-0.5%-5.4%
Share Price 26.1% 41.3% -48.4% -32.1%

Key Financial Ratios

RATIOS \ YEARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)
0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%)
0000000000-
Margins
Net Profit Margin (%)
1.42.62.21.91.91.225.4360.4-36.5-42.2
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)
0.10.20.20.20.20.12.64.30.1-5.4-5.6

Recent Performance Summary

Total Income has increased 14.10 CAGR in last 3 years

Return on Equity is Poor

Net Profit has declined -225.99 CAGR in last 3 years

Total income growth is poor in last 4 quarters

Latest Financials - ISF Ltd.

Standalone Consolidated
TTM EPS (₹) -0.1 0
TTM Sales (₹ Cr.) 1.8 0.8
BVPS (₹.) 1.4 0
Reserves (₹ Cr.) 4 3
P/BV 1.06 0.00
PE 0.00 0.00
From the Market
52 Week Low / High (₹) 1.26 / 2.60
All Time Low / High (₹) 0.08 / 31.50
Market Cap (₹ Cr.) 14.3
Equity (₹ Cr.) 9.5
Face Value (₹) 1
Industry PE 28.2

Quarterly Results

 Dec'23 YoY Gr. Rt. %Mar'24 YoY Gr. Rt. %Jun'24 YoY Gr. Rt. %Sep'24 YoY Gr. Rt. %
Operating Income0.6 56.80.4 250.4 -17.70.5 -22.4
Adj EPS (₹)0.01 N/A-0.09 N/A0.00 N/A0.00 N/A
Net Profit Mgn %17.29 4215 bps-252.01 -19621 bps5.42 305 bps4.71 43 bps

Management X-Ray of ISF:

Shareholding Pattern

JavaScript chart by amCharts 3.21.5
JavaScript chart by amCharts 3.21.5Promoters:0.64%Institutions:0%Non-Institutions:99.36%

Promoter's Holding & Share Pledging

JavaScript chart by amCharts 3.21.5Sep22Dec22Mar23Jun23Sep23Dec23Mar24Jun24Sep24Dec240.0%0.2%0.4%0.6%0.8%1.0%
Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Valuation of ISF

MRP
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MOS
spaceLock icon%
DP
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Base BVPS
spaceLock icon
DPS
spaceLock icon
MRP: ₹ 0
DP: ₹0
Base BVPS ₹:
DPS ₹:
MOS (%):
Save my Valuation
Expected BVPS Growth Rate:
0%
Base 0%
30%
Expected Rate of Return:
0%
Base 0%
30%
Future PBV:
0
Base 0
40
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max

Event Update

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Analyst's Notes

No data found!

Key Ratios of ISF

Adj EPS (Rs.)

Price Chart, Live Stock Chart, Technical Chart of

Total Income (Cr.)

Price Chart, Live Stock Chart, Technical Chart of

ROE (%)

Price Chart, Live Stock Chart, Technical Chart of

BVPS (Rs.)

Price Chart, Live Stock Chart, Technical Chart of
Company Name CMP(₹)
Change ₹(%)
Market Cap
Net Sales (₹ Cr.)
Latest EPS (₹)
Net Profit Margin %
Latest P/E
Latest P/BV
Piramal Enterprises 1,003.8 -30.7 (-3%) Small Cap 10,020 23.1 -16.8 44.9 0.9
Edelweiss Financial 105.6 -6.4 (-5.7%) Small Cap 9,500 4.9 5.6 22.9 2
Manappuram Finance 204.4 -4 (-1.9%) Small Cap 8,848 26.7 24.8 7.8 1.4
CreditAccess Grameen 1,033.7 -38.4 (-3.6%) Small Cap 5,167 55.2 28 19.4 2.5
Spandana Sphoorty 334.5 -13.4 (-3.9%) Small Cap 2,424 -66.2 20.7 - 0.8
Fusion Finance 182.3 -9.3 (-4.8%) Small Cap 2,317 -8.1 21.8 - 0.8
Muthoot Microfin 156 -1.3 (-0.8%) Small Cap 2,270 17.5 19.8 9 0.9
Five Star Business 758.8 -13.4 (-1.7%) Small Cap 2,183 35 38.3 22.1 3.8
Northern ARC Capital 184.7 -6.8 (-3.5%) Small Cap 1,829 17.4 15.3 11 1
Fedbank Financial 94.2 -1.1 (-1.1%) Small Cap 1,577 5.9 15.5 16 1.5
Shows rows:

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Income0.780.851.061.221.481.432.461.641.782.02
Interest Income0.780.851.061.221.481.401.361.641.662.02
Other Income 000000.031.1000.120
Expenditure 0.770.821.031.191.441.411.860.801.742.94
Interest Expense 0.350.360.380.340.210.120.010.090.030.27
Operating Expenses 0.300.320.400.410.450.360.400.660.500.70
Provisions 0.120.130.250.440.780.921.450.051.211.97
Exceptional Items 0000000000
Profit Before Tax 0.020.030.030.040.040.020.600.830.04-0.92
Taxes 0.010.010.010.010.010.010.260.240.04-0.18
Profit After Tax 0.010.020.020.020.030.020.340.590.01-0.74
Adjusted EPS (₹)0.00.00.00.00.00.00.00.10.0-0.1
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Equity and Liabilities

Equity Capital12.3612.3812.4112.4313.2113.2313.5714.1614.1713.43
Share Capital 9.509.509.509.509.509.509.509.509.509.50
Reserves 2.862.882.912.933.713.734.074.664.673.93
Minority Interest0000000000
Long Term Borrowings0.030.030.040.040.050.05000-0.18
Current Liabilities 3.243.784.063.543.372.490.681.251.885.06
Trade Payables0.020.030.250.150.050.040.050.010.030.04
Short term borrowings3.023.463.573.193.172.380.380.991.844.93
Other Liabilities-3.05-3.49-3.08-2.59-3.22-2.42-0.44-1-1.86-4.97
Total Liabilities 15.6316.1917.2616.7616.6315.7714.2515.4116.0518.31

Assets

Non Current Asset 0.340.230.220.220.220.190.01000.01
Loan Asset 0000000000
Other Non Current Asset 0.340.230.220.220.220.190.01000.01
Current Asset 15.2915.9617.0416.5516.4115.5714.2415.4116.0418.30
Current Investment0000000000
Other Current Asset15.2915.9617.0416.5516.4115.5714.2415.4116.0418.30
Total Assets 15.6316.1917.2616.7616.6315.7714.2515.4116.0518.31

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Cash Flow From Operating Activity 0.23-0.23-1.170.370.190.702.07-0.09-1.18-2.43
Cash Flow From Investing Activity 0.070.080000.080000
Cash Flow From Financing Activity -0.230.440.87-0.39-0.02-0.91-2.010.510.822.82
Net Cash Flow 0.080.28-0.30-0.020.18-0.130.060.42-0.360.39
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Operational & Financial Ratios

EPS (₹)0000000000
DPS (₹)0000000000
BVPS (₹)1111111111

Performance Ratios

ROA (%)0.10.10.10.10.20.12.34.00.1-4.3
ROE (%)0.10.20.20.20.20.12.64.30.1-5.4
ROCE (%)2.32.52.52.31.60.94.26.40.5-3.8

Valuation Parameters

Price/Book(x)0.10.20.40.30.30.20.718.31.31.3

ISF Ltd Stock News

ISF Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of ISF on 10-Feb-2025 11:19 is ₹1.52.
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 10-Feb-2025 11:19 the market cap of ISF stood at ₹14.25.
The latest P/E ratio of ISF as of 10-Feb-2025 11:19 is 0.00.
The latest P/B ratio of ISF as of 10-Feb-2025 11:19 is 1.06.
The 52-week high of ISF is ₹2.60 and the 52-week low is ₹1.26.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of ISF is ₹1.80 ( 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.

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