ISF Ltd
₹ 1.05
0.96%
22 Aug
- close price
About
Incorporated in 1988, ISF Ltd provides financing through loans like Term Loan, E-Vehicle Loans, Consumer durable loans, and Agri Loans.[1]
Key Points
- Market Cap ₹ 9.98 Cr.
- Current Price ₹ 1.05
- High / Low ₹ 2.11 / 0.78
- Stock P/E
- Book Value ₹ 1.41
- Dividend Yield 0.00 %
- ROCE 1.93 %
- ROE -0.07 %
- Face Value ₹ 1.00
Pros
- Company has reduced debt.
- Stock is trading at 0.74 times its book value
Cons
- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of 4.92% over past five years.
- Promoter holding is low: 0.64%
- Company has a low return on equity of -1.79% over last 3 years.
- Working capital days have increased from 906 days to 2,649 days
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
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Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 0.89 | 0.78 | 0.85 | 1.06 | 1.22 | 1.48 | 1.40 | 1.36 | 1.64 | 1.66 | 2.02 | 1.78 | 1.80 | |
| 0.50 | 0.39 | 0.43 | 0.64 | 0.84 | 1.23 | 1.28 | 1.85 | 0.72 | 1.71 | 2.67 | 1.44 | 1.52 | |
| Operating Profit | 0.39 | 0.39 | 0.42 | 0.42 | 0.38 | 0.25 | 0.12 | -0.49 | 0.92 | -0.05 | -0.65 | 0.34 | 0.28 |
| OPM % | 43.82% | 50.00% | 49.41% | 39.62% | 31.15% | 16.89% | 8.57% | -36.03% | 56.10% | -3.01% | -32.18% | 19.10% | 15.56% |
| 0.00 | 0.00 | -0.02 | 0.00 | 0.00 | 0.00 | 0.02 | 1.10 | 0.00 | 0.12 | 0.00 | 0.00 | 0.00 | |
| Interest | 0.33 | 0.35 | 0.36 | 0.38 | 0.34 | 0.21 | 0.12 | 0.01 | 0.09 | 0.03 | 0.27 | 0.35 | 0.30 |
| Depreciation | 0.03 | 0.02 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | 0.03 | 0.02 | 0.03 | 0.03 | 0.04 | 0.04 | 0.02 | 0.60 | 0.83 | 0.04 | -0.92 | -0.01 | -0.02 |
| Tax % | 1,100.00% | 50.00% | 33.33% | 33.33% | 50.00% | 25.00% | 50.00% | 43.33% | 28.92% | 100.00% | -19.57% | 0.00% | |
| -0.31 | 0.01 | 0.02 | 0.02 | 0.02 | 0.03 | 0.02 | 0.34 | 0.59 | 0.01 | -0.74 | -0.01 | -0.03 | |
| EPS in Rs | -0.03 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.04 | 0.06 | 0.00 | -0.08 | -0.00 | -0.01 |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 9% |
| 5 Years: | 5% |
| 3 Years: | 3% |
| TTM: | -7% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| TTM: | 96% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 12% |
| 5 Years: | 11% |
| 3 Years: | -35% |
| 1 Year: | -44% |
| Return on Equity | |
|---|---|
| 10 Years: | 0% |
| 5 Years: | 0% |
| 3 Years: | -2% |
| Last Year: | 0% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 9.50 | 9.50 | 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 | 3.66 | 3.68 | 3.71 | 3.73 | 4.07 | 4.66 | 4.67 | 3.93 | 3.92 |
| 3.27 | 3.02 | 3.46 | 3.58 | 3.19 | 3.17 | 2.38 | 0.38 | 0.99 | 1.84 | 4.93 | 3.40 | |
| 0.39 | 0.27 | 0.38 | 0.54 | 0.41 | 0.26 | 0.18 | 0.30 | 0.27 | 0.04 | 0.13 | 0.24 | |
| Total Liabilities | 16.05 | 15.65 | 16.22 | 17.28 | 16.78 | 16.64 | 15.79 | 14.25 | 15.42 | 16.05 | 18.49 | 17.06 |
| 0.31 | 0.16 | 0.10 | 0.09 | 0.09 | 0.09 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 0.05 | 0.05 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| 15.69 | 15.44 | 16.12 | 17.19 | 16.69 | 16.55 | 15.79 | 14.25 | 15.42 | 16.05 | 18.49 | 17.06 | |
| Total Assets | 16.05 | 15.65 | 16.22 | 17.28 | 16.78 | 16.64 | 15.79 | 14.25 | 15.42 | 16.05 | 18.49 | 17.06 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 0.48 | 0.23 | -0.23 | -1.17 | 0.37 | 0.33 | 0.70 | 2.07 | -0.09 | -1.18 | -2.43 | 1.37 | |
| -0.04 | 0.07 | 0.08 | 0.00 | 0.00 | 0.00 | 0.08 | 0.00 | 0.00 | 0.00 | 0.00 | -0.01 | |
| -0.50 | -0.22 | 0.44 | 0.87 | -0.39 | -0.23 | -0.91 | -2.01 | 0.51 | 0.82 | 2.82 | -1.88 | |
| Net Cash Flow | -0.06 | 0.08 | 0.28 | -0.30 | -0.02 | 0.10 | -0.13 | 0.06 | 0.42 | -0.36 | 0.39 | -0.51 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 217.36 | 224.62 | 210.41 | 134.29 | 95.74 | 83.85 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 14.35 |
| Inventory Days | ||||||||||||
| Days Payable | ||||||||||||
| Cash Conversion Cycle | 217.36 | 224.62 | 210.41 | 134.29 | 95.74 | 83.85 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 14.35 |
| Working Capital Days | 4,896.74 | 5,596.67 | 5,071.35 | 4,441.98 | 3,871.39 | 3,159.22 | 3,399.71 | -42.94 | -40.06 | 37.38 | 30.72 | 2,649.33 |
| ROCE % | 2.24% | 2.38% | 2.63% | 2.52% | 2.30% | 1.53% | 0.94% | 4.13% | 6.32% | 0.45% | -3.78% | 1.93% |
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Newspaper Publication
6 Aug - Submission of Newspaper Advertisement under Regulation 47 read with Part A of Schedule III of SEBI (LODR) Regulations, 2015 pertaining to Un- Audited Financial Results …
- Integrated Filing_Financials_June 2025 5 Aug
-
Board Meeting Outcome for Outcome Of Board Meeting Held On 5Th August, 2025.
5 Aug - Auditor's limited review report on ISF Limited's Q1 FY2025 unaudited financial results.
-
Board Meeting Intimation for Intimation Regarding The Date Of Board Meeting Pursuant To Regulation 29 Of SEBI (LODR) Regulations, 2015
29 Jul - Board meeting on Aug 5 to approve Q1 FY26 un-audited results; trading window closed from July 1.
-
Announcement under Regulation 30 (LODR)-Change in Management
9 Jul - Appointed Anil Kumar Verma as Additional Director and Anjali Raj as Compliance Officer on July 9, 2025.
Annual reports
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Financial Year 2024
from bse
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Financial Year 2023
from bse
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Financial Year 2022
from bse
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Financial Year 2021
from bse
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Financial Year 2020
from bse
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Financial Year 2019
from bse
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Financial Year 2018
from bse
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Financial Year 2017
from bse
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Financial Year 2016
from bse
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Financial Year 2015
from bse
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Financial Year 2014
from bse
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Financial Year 2013
from bse
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Financial Year 2012
from bse
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Financial Year 2011
from bse
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Financial Year 2010
from bse
Business Overview:[1]
ISFL is registered as a Non-Systematically Important Non-Deposit Taking Non-Banking Financial Company, which is active in India's
retail finance sector. The company focuses
on addressing the funding challenges faced by
Micro, Small, and Medium Enterprises (MSMEs), helping them with:
a) Business expansion
b) Capital requirements
c) Diversification into related businesses
d) Seasonal stocking