ISF Ltd
- Market Cap ₹ 19.5 Cr.
- Current Price ₹ 2.05
- High / Low ₹ 3.00 / 1.57
- Stock P/E
- Book Value ₹ 1.49
- Dividend Yield 0.00 %
- ROCE 0.45 %
- ROE 0.07 %
- Face Value ₹ 1.00
Pros
Cons
- Though the company is reporting repeated profits, it is not paying out dividend
- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of 6.35% over past five years.
- Promoter holding is low: 0.64%
- Company has a low return on equity of 2.27% over last 3 years.
- Company might be capitalizing the interest cost
- Promoter holding has decreased over last 3 years: -8.95%
* 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
Sector: Finance Industry: Finance & Investments
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | TTM | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
1.18 | 0.99 | 0.89 | 0.78 | 0.85 | 1.06 | 1.22 | 1.48 | 1.40 | 1.36 | 1.64 | 1.66 | 1.95 | |
0.43 | 0.37 | 0.50 | 0.39 | 0.43 | 0.64 | 0.84 | 1.23 | 1.28 | 1.85 | 0.72 | 1.71 | 1.81 | |
Operating Profit | 0.75 | 0.62 | 0.39 | 0.39 | 0.42 | 0.42 | 0.38 | 0.25 | 0.12 | -0.49 | 0.92 | -0.05 | 0.14 |
OPM % | 63.56% | 62.63% | 43.82% | 50.00% | 49.41% | 39.62% | 31.15% | 16.89% | 8.57% | -36.03% | 56.10% | -3.01% | 7.18% |
0.00 | 0.00 | 0.00 | 0.00 | -0.02 | 0.00 | 0.00 | 0.00 | 0.02 | 1.10 | 0.00 | 0.12 | 0.12 | |
Interest | 0.67 | 0.58 | 0.33 | 0.35 | 0.36 | 0.38 | 0.34 | 0.21 | 0.12 | 0.01 | 0.09 | 0.03 | 0.20 |
Depreciation | 0.08 | 0.04 | 0.03 | 0.02 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Profit before tax | 0.00 | 0.00 | 0.03 | 0.02 | 0.03 | 0.03 | 0.04 | 0.04 | 0.02 | 0.60 | 0.83 | 0.04 | 0.06 |
Tax % | 1,100.00% | 50.00% | 33.33% | 33.33% | 50.00% | 25.00% | 50.00% | 43.33% | 28.92% | 100.00% | |||
0.01 | 0.00 | -0.31 | 0.01 | 0.02 | 0.02 | 0.02 | 0.03 | 0.02 | 0.34 | 0.59 | 0.01 | -0.02 | |
EPS in Rs | 0.00 | 0.00 | -0.03 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.04 | 0.06 | 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% |
Compounded Sales Growth | |
---|---|
10 Years: | 5% |
5 Years: | 6% |
3 Years: | 6% |
TTM: | 10% |
Compounded Profit Growth | |
---|---|
10 Years: | % |
5 Years: | -13% |
3 Years: | -31% |
TTM: | -107% |
Stock Price CAGR | |
---|---|
10 Years: | 28% |
5 Years: | 42% |
3 Years: | 13% |
1 Year: | 4% |
Return on Equity | |
---|---|
10 Years: | 1% |
5 Years: | 1% |
3 Years: | 2% |
Last Year: | 0% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Sep 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
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 | 9.50 |
Reserves | 3.20 | 3.20 | 2.89 | 2.86 | 2.88 | 2.91 | 2.93 | 3.71 | 3.73 | 4.07 | 4.66 | 4.67 | 4.70 |
5.18 | 3.75 | 3.27 | 3.02 | 3.46 | 3.58 | 3.19 | 3.17 | 2.38 | 0.38 | 0.99 | 1.84 | 5.67 | |
1.59 | 1.20 | 0.39 | 0.27 | 0.38 | 1.29 | 1.16 | 0.26 | 0.18 | 0.30 | 0.27 | 0.04 | 0.26 | |
Total Liabilities | 19.47 | 17.65 | 16.05 | 15.65 | 16.22 | 17.28 | 16.78 | 16.64 | 15.79 | 14.25 | 15.42 | 16.05 | 20.13 |
1.00 | 0.90 | 0.31 | 0.16 | 0.10 | 0.09 | 0.09 | 0.09 | 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 | 0.00 |
Investments | 0.00 | 0.00 | 0.05 | 0.05 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
18.47 | 16.75 | 15.69 | 15.44 | 16.12 | 17.19 | 16.69 | 16.55 | 15.79 | 14.25 | 15.42 | 16.05 | 20.13 | |
Total Assets | 19.47 | 17.65 | 16.05 | 15.65 | 16.22 | 17.28 | 16.78 | 16.64 | 15.79 | 14.25 | 15.42 | 16.05 | 20.13 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
-0.50 | 1.38 | 0.48 | 0.23 | -0.23 | -1.17 | 0.37 | 0.33 | 0.70 | 2.07 | -0.09 | -1.18 | |
-0.02 | 0.00 | -0.04 | 0.07 | 0.08 | 0.00 | 0.00 | 0.00 | 0.08 | 0.00 | 0.00 | 0.00 | |
0.52 | -1.43 | -0.50 | -0.22 | 0.44 | 0.87 | -0.39 | -0.23 | -0.91 | -2.01 | 0.51 | 0.82 | |
Net Cash Flow | 0.00 | -0.05 | -0.06 | 0.08 | 0.28 | -0.30 | -0.02 | 0.10 | -0.13 | 0.06 | 0.42 | -0.36 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Debtor Days | 197.97 | 202.78 | 217.36 | 224.62 | 210.41 | 134.29 | 95.74 | 83.85 | 0.00 | 0.00 | 0.00 | 0.00 |
Inventory Days | ||||||||||||
Days Payable | ||||||||||||
Cash Conversion Cycle | 197.97 | 202.78 | 217.36 | 224.62 | 210.41 | 134.29 | 95.74 | 83.85 | 0.00 | 0.00 | 0.00 | 0.00 |
Working Capital Days | 4,868.73 | 5,552.42 | 6,221.40 | 7,009.87 | 6,557.12 | 5,671.27 | 4,825.78 | 3,941.01 | 4,020.21 | -42.94 | -40.06 | 37.38 |
ROCE % | 3.87% | 3.38% | 2.24% | 2.38% | 2.63% | 2.58% | 2.40% | 1.56% | 0.94% | 4.13% | 6.32% | 0.45% |
Documents
Announcements
- Board Meeting Intimation for Intimation Regarding The Date Of Board Meeting Pursuant To Regulation 29 Of SEBI (LODR) Regulations, 2015 2d
- Disclosure Of Non-Applicability Of SEBI Circular Dated 26Th November, 2018, With Regard To Fund Raising By Issuance Of Debt Securities By Large Entities. 12 Apr
- Regulation 40(9) & 40(10) Of The SEBI (LODR) Regulations, 2015 For The Year Ended On 31St March 2024. 12 Apr
-
Compliances-Reg.24(A)-Annual Secretarial Compliance
12 Apr - Pursuant to Regulation 15(2) of SEBI(LODR) regulations, 2015 the compliance with the corporate governance provisions as specified in the Reg 17, 17A, 18,19,20,21,22,23,24,24A,25,26,27 and clauses …
- Compliance Certificate Under Reg 7(3) Of SEBI(Listing Obligations And Disclosures Requirements) Regulations, 2015 For The Year Ended 31St March, 2024 12 Apr
Annual reports
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
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Financial Year 2011
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Financial Year 2010
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Financial Year 2009
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Business Overview:[1]
Company is a Non Deposit Taking Non Systematically Important Non-Banking Finance Company. It offers loans to purchase used and new commercial vehicles, four-wheelers, Two Wheelers and disburse Loan Against Property (LAP) and Secured & Unsecured MSME Loans
to the SME/MSME segment. Company has also forayed into Digital Lending Space