ISF Ltd

ISF Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

ISF Ltd

₹ 0.85 10.39%
10 Jun 3:31 p.m.
isflimited.in BSE: 526859
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

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

Website BSE
  • Market Cap ₹ 8.08 Cr.
  • Current Price ₹ 0.85
  • High / Low ₹ 1.19 / 0.75
  • Stock P/E
  • Book Value ₹ 1.24
  • Dividend Yield 0.00 %
  • ROCE -12.9 %
  • ROE -13.2 %
  • Face Value ₹ 1.00
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Pros

  • Company has reduced debt.
  • Stock is trading at 0.62 times its book value

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 4.56% over past five years.
  • Promoter holding is low: 0.64%
  • Company has a low return on equity of -6.05% over last 3 years.
  • Debtor days have increased from 75.8 to 137 days.
  • Working capital days have increased from 801 days to 2,349 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.

Peer comparison

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
0.28 0.51 0.58 0.58 0.35 0.42 0.45 0.42 0.50 0.43 0.45 0.40 0.42
Interest 0.00 0.09 0.10 0.01 0.07 0.10 0.09 0.08 0.07 0.06 0.06 0.07 0.06
0.61 0.40 0.45 0.35 1.46 0.29 0.33 0.66 0.17 0.36 0.23 0.15 2.94
Financing Profit -0.33 0.02 0.03 0.22 -1.18 0.03 0.03 -0.32 0.26 0.01 0.16 0.18 -2.58
Financing Margin % -117.86% 3.92% 5.17% 37.93% -337.14% 7.14% 6.67% -76.19% 52.00% 2.33% 35.56% 45.00% -614.29%
0.12 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Depreciation 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Profit before tax -0.21 0.02 0.03 0.22 -1.18 0.03 0.03 -0.32 0.26 0.01 0.16 0.18 -2.58
Tax % -28.57% 0.00% 33.33% 54.55% -26.27% 33.33% 33.33% -25.00% 26.92% 0.00% 25.00% 44.44% -27.52%
-0.15 0.01 0.02 0.10 -0.88 0.02 0.02 -0.24 0.19 0.00 0.11 0.09 -1.87
EPS in Rs -0.02 0.00 0.00 0.01 -0.09 0.00 0.00 -0.03 0.02 0.00 0.01 0.01 -0.20
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
0.78 0.85 1.06 1.22 1.48 1.40 1.36 1.64 1.66 2.02 1.79 1.70
Interest 0.35 0.36 0.38 0.34 0.21 0.12 0.01 0.09 0.03 0.27 0.35 0.25
0.39 0.43 0.64 0.84 1.23 1.28 1.85 0.72 1.71 2.67 1.45 3.69
Financing Profit 0.04 0.06 0.04 0.04 0.04 0.00 -0.50 0.83 -0.08 -0.92 -0.01 -2.24
Financing Margin % 5.13% 7.06% 3.77% 3.28% 2.70% 0.00% -36.76% 50.61% -4.82% -45.54% -0.56% -131.76%
0.00 -0.02 0.00 0.00 0.00 0.02 1.10 0.00 0.12 0.00 0.00 0.00
Depreciation 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 0.02 0.03 0.03 0.04 0.04 0.02 0.60 0.83 0.04 -0.92 -0.01 -2.24
Tax % 50.00% 33.33% 33.33% 50.00% 25.00% 50.00% 43.33% 28.92% 100.00% -19.57% 0.00% -25.89%
0.01 0.02 0.02 0.02 0.03 0.02 0.34 0.59 0.01 -0.74 -0.01 -1.66
EPS in Rs 0.00 0.00 0.00 0.00 0.00 0.00 0.04 0.06 0.00 -0.08 -0.00 -0.17
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: 7%
5 Years: 5%
3 Years: 1%
TTM: -5%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: %
TTM: -16500%
Stock Price CAGR
10 Years: 6%
5 Years: -21%
3 Years: -26%
1 Year: -25%
Return on Equity
10 Years: -1%
5 Years: -3%
3 Years: -6%
Last Year: -13%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
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 2.86 2.88 3.66 3.68 3.71 3.73 4.07 4.66 4.67 3.93 3.92 2.26
Borrowing 3.02 3.46 3.58 3.19 3.17 2.38 0.38 0.99 1.84 4.93 3.40 2.19
0.27 0.38 0.54 0.41 0.26 0.18 0.30 0.27 0.04 0.13 0.23 0.29
Total Liabilities 15.65 16.22 17.28 16.78 16.64 15.79 14.25 15.42 16.05 18.49 17.05 14.24
0.16 0.10 0.09 0.09 0.09 0.00 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 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
15.44 16.12 17.19 16.69 16.55 15.79 14.25 15.42 16.05 18.49 17.05 14.24
Total Assets 15.65 16.22 17.28 16.78 16.64 15.79 14.25 15.42 16.05 18.49 17.05 14.24

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
0.23 -0.23 -1.17 0.37 0.33 0.70 2.07 -0.09 -1.18 -2.43 1.37 1.47
0.07 0.08 0.00 0.00 0.00 0.08 0.00 0.00 0.00 0.00 -0.01 0.00
-0.22 0.44 0.87 -0.39 -0.23 -0.91 -2.01 0.51 0.82 2.82 -1.88 -1.47
Net Cash Flow 0.08 0.28 -0.30 -0.02 0.10 -0.13 0.06 0.42 -0.36 0.39 -0.51 0.00
Free Cash Flow 0.30 -0.20 -1.17 0.37 0.33 0.78 2.07 -0.09 -1.18 -2.43 1.36 1.47
CFO/OP 59% -52% -276% 100% 136% 592% -476% 16% 2,280% 374% 403% -45%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 0.08% 0.24% 0.16% 0.15% 0.23% 0.23% 2.54% 4.26% 0.07% -5.36% -0.07% -13.19%

Insights

In beta
Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2023 Mar 2024 Mar 2025
Total Loans Outstanding / Loan Portfolio
INR Lakhs

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Capital to Risk-Weighted Assets Ratio (CRAR)
Ratio
Number of Employees
Count
New Loan Originations (Current FY) - Consumer Durable Loans
INR Lakhs
New Loan Originations (Current FY) - Personal Loans
INR Lakhs
New Loan Originations (Current FY) - Vehicle Loans
INR Lakhs

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Shareholding Pattern

Numbers in percentages

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
0.64% 0.64% 0.64% 0.64% 0.64% 0.64% 0.64% 0.64% 0.64% 0.64% 0.64% 0.64%
99.36% 99.37% 99.37% 99.36% 99.35% 99.35% 99.37% 99.36% 99.35% 99.36% 99.36% 99.36%
No. of Shareholders 41,30940,68039,98539,48139,04738,27538,28738,29738,41838,69238,48238,107

Documents

Announcements

Annual reports