ISF Ltd
Incorporated in 1988, ISF Ltd provides financing through loans like Term Loan, E-Vehicle Loans, Consumer durable loans, and Agri Loans.[1]
- Market Cap ₹ 8.93 Cr.
- Current Price ₹ 0.94
- High / Low ₹ 1.93 / 0.75
- Stock P/E
- Book Value ₹ 1.30
- Dividend Yield 0.00 %
- ROCE 2.13 %
- ROE -0.24 %
- Face Value ₹ 1.00
Pros
- Stock is trading at 0.73 times its book value
Cons
- Company has low interest coverage ratio.
- Promoter holding is low: 0.64%
- Company has high debtors of 225 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.
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2014 | Mar 2015 | |
|---|---|---|
| 0.89 | 0.78 | |
| Interest | 0.33 | 0.35 |
| 0.50 | 0.43 | |
| Financing Profit | 0.06 | 0.00 |
| Financing Margin % | 6.74% | 0.00% |
| 0.00 | 0.00 | |
| Depreciation | 0.03 | 0.02 |
| Profit before tax | 0.03 | -0.02 |
| Tax % | 1,100.00% | 50.00% |
| -0.31 | -0.03 | |
| EPS in Rs | -0.03 | -0.00 |
| Dividend Payout % | 0.00% | 0.00% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| TTM: | -12% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| TTM: | 90% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 11% |
| 5 Years: | -5% |
| 3 Years: | -23% |
| 1 Year: | -52% |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| Last Year: | 0% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2014 | Mar 2015 | |
|---|---|---|
| Equity Capital | 9.50 | 9.50 |
| Reserves | 2.88 | 2.81 |
| Borrowing | 3.27 | 3.02 |
| 0.39 | 0.27 | |
| Total Liabilities | 16.04 | 15.60 |
| 0.31 | 0.16 | |
| CWIP | 0.00 | 0.00 |
| Investments | 0.00 | 0.00 |
| 15.73 | 15.44 | |
| Total Assets | 16.04 | 15.60 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2014 | Mar 2015 | |
|---|---|---|
| 0.46 | 0.19 | |
| 0.00 | 0.07 | |
| -0.48 | -0.22 | |
| Net Cash Flow | -0.02 | 0.04 |
| Free Cash Flow | 0.46 | 0.26 |
| CFO/OP | 205% | 57% |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2014 | Mar 2015 | |
|---|---|---|
| ROE % | -2.50% | -0.24% |
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 ・Standalone data |
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| Capital to Risk-Weighted Assets Ratio (CRAR) Ratio ・Standalone data |
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| Number of Employees Count ・Standalone data |
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| New Loan Originations (Current FY) - Consumer Durable Loans INR Lakhs ・Standalone data |
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| New Loan Originations (Current FY) - Personal Loans INR Lakhs ・Standalone data |
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| New Loan Originations (Current FY) - Vehicle Loans INR Lakhs ・Standalone data |
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Extracted by Screener AI
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Change in Management
1d - ISF appoints Anil Kumar Verma as CEO; Vishal Dang resigns effective 20 April 2026.
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Announcement under Regulation 30 (LODR)-Resignation of Chief Executive Officer (CEO)
1d - ISF Limited appointed Anil Kumar Verma as CEO and noted Vishal Dang’s resignation effective 20 April 2026.
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Initial Disclosure Of Non-Applicability Of SEBI Circular Dated 26Th November, 2018, With Regard To Fund Raising By Issuance Of Debt Securities By Large Entities
13 Apr - ISF Ltd confirms it is not a large corporate under SEBI debt securities circular for FY 2026-27.
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Non-Applicability Of Regulation 24A Of SEBI (LODR) Regulations, 2015.
10 Apr - ISF Ltd says Regulation 24A annual secretarial compliance report is not applicable based on 31 March 2025 capital and net worth.
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Disclosure Of Non-Applicability Of SEBI Circular Dated 26Th November, 2018, With Regard To Fund Raising By Issuance Of Debt Securities By Large Entities
10 Apr - ISF Ltd confirms SEBI large corporate debt disclosure not applicable for FY 2025-26.
Annual reports
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Financial Year 2025
from bse
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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
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