What is ISF share price return in the past 10 years?

ISF Ltd share price has appreciated 12.8% annually (CAGR) over the past ten years.

ISF Ltd - Stock Valuation and Financial Performance

Name: ISF
Brand: ISF

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

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ISF Ltd - Stock Valuation and Financial Performance

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

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DeciZen - make an informed investing decision on ISF

Based on:

Data

M-Cap below 100cr DeciZen not available

ISF stock performance -

PE Chart Key Ratios

P/E Ratio (SA):

0.00

Market Cap:

10 Cr.

52-wk low:

0.8

52-wk high:

2.1

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

Standalone Basis ^P Consolidated Basis

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	TTM
Operating Income (₹ Cr.)	0.8	0.9	1.1	1.2	1.5	1.4	1.4	1.6	1.7	2	2
YoY Gr. Rt. %	-	9%	24.7%	15.1%	21.3%	-5.4%	-2.9%	20.6%	1.2%	21.7%	-
Adj EPS (₹ )	0	0	0	0	0	0	0	0.1	0	-0.1	0
YoY Gr. Rt. %	-	NA	NA	NA	NA	NA	NA	50%	-100%	NA	-
BVPS (₹ )	1.3	1.3	1.3	1.3	1.4	1.4	1.4	1.5	1.5	1.4	1.4
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 (%)	0.1	0.1	0.1	0.1	0.2	0.1	2.3	4	0.1	-4.3	0

CAGR ⓘ

CAGR Colour Code Guide ⓘ


	9 Years	5 Years	3 Years	1 Years
Net Interest Income	11.2%	6.4%	14.1%	21.7%
Adj EPS	NA	NA	-226%	NA
BVPS	0.9%	0.3%	-0.5%	-5.4%
Share Price	12.8%	29%	-35.6%	-47.3%

Key Financial Ratios


RATIOS \ YEARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	TTM
Asset Quality Ratio	To view Asset Quality Ratio Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)	0	0	0	0	0	0	0	0	0	0	-
Capitalization Ratio	To view Capitalization Ratio Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%)	0	0	0	0	0	0	0	0	0	0	-
Margins
Net Profit Margin (%)	1.4	2.6	2.2	1.9	1.9	1.2	25.4	36	0.4	-36.5	0
Performance Ratios	To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)	0.1	0.2	0.2	0.2	0.2	0.1	2.6	4.3	0.1	-5.4	0

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 0.00%

Total Income has increased 14.10 CAGR in last 3 years

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	0
TTM Sales (₹ Cr.)	1.8	0.8
BVPS (₹.) ⓘ	1.4	0
Reserves (₹ Cr.) ⓘ	4	3
P/BV ⓘ	0.74	0.00
PE ⓘ	0.00	0.00

From the Market
52 Week Low / High (₹)	0.78 / 2.11
All Time Low / High (₹)	0.08 / 31.50
Market Cap (₹ Cr.)	10
Equity (₹ Cr.)	9.5
Face Value (₹)	1
Industry PE ⓘ	32

Management X-Ray of ISF:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged ^*

0.00

* Pledged shares as % of Promoter's holding (%)

Valuation of ISF

Price Calculator

Price Chart

Price to Earnings

Enterprise Value to EBIT

Price to Book-Value

Price to Sales

Dividend History

Analyst's Notes

No data found!

Key Ratios of ISF

Standalone Basis Consolidated Basis

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Income	0.78	0.85	1.06	1.22	1.48	1.43	2.46	1.64	1.78	2.02
Interest Income	0.78	0.85	1.06	1.22	1.48	1.40	1.36	1.64	1.66	2.02
Other Income ⓘ	0	0	0	0	0	0.03	1.10	0	0.12	0
Expenditure ⓘ	0.77	0.82	1.03	1.19	1.44	1.41	1.86	0.80	1.74	2.94
Interest Expense ⓘ	0.35	0.36	0.38	0.34	0.21	0.12	0.01	0.09	0.03	0.27
Operating Expenses ⓘ	0.30	0.32	0.40	0.41	0.45	0.36	0.40	0.66	0.50	0.70
Provisions	0.12	0.13	0.25	0.44	0.78	0.92	1.45	0.05	1.21	1.97
Exceptional Items ⓘ	0	0	0	0	0	0	0	0	0	0
Profit Before Tax ⓘ	0.02	0.03	0.03	0.04	0.04	0.02	0.60	0.83	0.04	-0.92
Taxes ⓘ	0.01	0.01	0.01	0.01	0.01	0.01	0.26	0.24	0.04	-0.18
Profit After Tax	0.01	0.02	0.02	0.02	0.03	0.02	0.34	0.59	0.01	-0.74
Adjusted EPS (₹)	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.1	0.0	-0.1
Dividend Payout Ratio (%)	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%

Balance Sheet

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Equity and Liabilities
Equity Capital	12.36	12.38	12.41	12.43	13.21	13.23	13.57	14.16	14.17	13.43
Share Capital ⓘ	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	2.91	2.93	3.71	3.73	4.07	4.66	4.67	3.93
Minority Interest	0	0	0	0	0	0	0	0	0	0
Long Term Borrowings	0.03	0.03	0.04	0.04	0.05	0.05	0	0	0	-0.18
Current Liabilities	3.24	3.78	4.06	3.54	3.37	2.49	0.68	1.25	1.88	5.06
Trade Payables	0.02	0.03	0.25	0.15	0.05	0.04	0.05	0.01	0.03	0.04
Short term borrowings	3.02	3.46	3.57	3.19	3.17	2.38	0.38	0.99	1.84	4.93
Other Liabilities	-3.05	-3.49	-3.08	-2.59	-3.22	-2.42	-0.44	-1	-1.86	-4.97
Total Liabilities ⓘ	15.63	16.19	17.26	16.76	16.63	15.77	14.25	15.41	16.05	18.31
Assets
Non Current Asset	0.34	0.23	0.22	0.22	0.22	0.19	0.01	0	0	0.01
Loan Asset	0	0	0	0	0	0	0	0	0	0
Other Non Current Asset ⓘ	0.34	0.23	0.22	0.22	0.22	0.19	0.01	0	0	0.01
Current Asset	15.29	15.96	17.04	16.55	16.41	15.57	14.24	15.41	16.04	18.30
Current Investment	0	0	0	0	0	0	0	0	0	0
Other Current Asset	15.29	15.96	17.04	16.55	16.41	15.57	14.24	15.41	16.04	18.30
Total Assets ⓘ	15.63	16.19	17.26	16.76	16.63	15.77	14.25	15.41	16.05	18.31

Cash Flow

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Cash Flow From Operating Activity ⓘ	0.23	-0.23	-1.17	0.37	0.19	0.70	2.07	-0.09	-1.18	-2.43
Cash Flow From Investing Activity ⓘ	0.07	0.08	0	0	0	0.08	0	0	0	0
Cash Flow From Financing Activity ⓘ	-0.23	0.44	0.87	-0.39	-0.02	-0.91	-2.01	0.51	0.82	2.82
Net Cash Flow ⓘ	0.08	0.28	-0.30	-0.02	0.18	-0.13	0.06	0.42	-0.36	0.39

Finance Ratio

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Operational & Financial Ratios
EPS (₹)	0	0	0	0	0	0	0	0	0	0
DPS (₹)	0	0	0	0	0	0	0	0	0	0
BVPS (₹)	1	1	1	1	1	1	1	1	1	1
Performance Ratios
ROA (%)	0.1	0.1	0.1	0.1	0.2	0.1	2.3	4.0	0.1	-4.3
ROE (%)	0.1	0.2	0.2	0.2	0.2	0.1	2.6	4.3	0.1	-5.4
ROCE (%)	2.3	2.5	2.5	2.3	1.6	0.9	4.2	6.4	0.5	-3.8
Valuation Parameters
Price/Book(x)	0.1	0.2	0.4	0.3	0.3	0.2	0.7	18.3	1.3	1.3

ISF Ltd Stock News

ISF Ltd FAQs

What is the share price of ISF?

Company share prices are keep on changing according to the market conditions. The closing price of ISF on 09-Jul-2025 16:59 is ₹1.07.

What is the market cap of ISF?

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 09-Jul-2025 16:59 the market cap of ISF stood at ₹9.97.

What is the P/E ratio of ISF?

The latest P/E ratio of ISF as of 09-Jul-2025 16:59 is 0.00.

What is the P/B ratio of ISF?

The latest P/B ratio of ISF as of 09-Jul-2025 16:59 is 0.74.

What is the 52-week high and low of ISF?

The 52-week high of ISF is ₹2.11 and the 52-week low is ₹0.78.

What is the TTM revenue of ISF?

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of ISF is ₹1.78 ( 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.

SEBI Registered: Investment Adviser - INA000013323 RIA Details

Warning: Investment in securities market are subject to market risks. Read all the related documents carefully before investing.

Disclaimer: Registration granted by SEBI, membership of BASL (in case of IAs) and certification from NISM in no way guarantee performance of the intermediary or provides any assurance of returns to investors.

Compliance Officer:

Name: Shrikant Jagtap

Email: shrikant.jagtap@moneyworks4me.com

Mobile No: +91 97638 00745

Grievance Officer:

Name: Mukta Vaze

Email: mukta.vaze@moneyworks4me.com

Mobile No:+91 98609 19463

Principal Officer:

Name: Atharva Bhide

Email: atharva.bhide@moneyworks4me.com

Mobile No:+91 91758 99463

SEBI regional/local office address-

Plot No. C 4-A , G Block, Near Bank of India, Bandra Kurla Complex, Bandra East, Mumbai, Maharashtra 400051

Address:

The Alchemists Ark Pvt. Ltd., B-101, Signet Corner Building, Balewadi Phata, Baner, Pune, Maharashtra 411045

Data provided by Accord Fintech Pvt. Ltd.

Please wait your portfolio is updating...

Name of the IA registered with SEBI:	The Alchemists Ark Pvt. Ltd.
Logo:
Trade/Brand Name of IA:	MoneyWorks4Me Investment Advisers
Brand Logo:
SEBI Registration Number:	INA000013323 Validity - May 16, 2019 - Perpetual
BASL Membership ID:	BASL1187
Address	B-101, Signet Corner Building, Balewadi Phata, Baner, Pune, Maharashtra 411045
Compliance officer Details:	Name: Shrikant Jagtap Email: shrikant.jagtap@moneyworks4me.com Telephone: +919860359463 Address: Same as IA
Grievance Officer Details:	Name: Mukta Vaze Email: mukta.vaze@moneyworks4me.com Telephone: +91 98609 19463 Address: Same as IA
Principal Officer Details:	Name: Atharva Bhide Email: atharva.bhide@moneyworks4me.com Telephone: +91 91758 99463 Address: Same as IA
Standard Warning:	Investment in securities market are subject to market risks. Read all the related documents carefully before investing.
Disclaimer:	Registration granted by SEBI, membership of BASL and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

ISF Ltd - Stock Valuation and Financial Performance

ISF Share Price

ISF Ltd - Stock Valuation and Financial Performance

ISF Share Price

DeciZen - make an informed investing decision on ISF Share

M-Cap below 100cr DeciZen not available

ISF stock performance -

Is ISF Ltd an attractive stock to invest in?

1. Is ISF Ltd a good quality company?

2. Is ISF Ltd undervalued or overvalued?

3. Is ISF Ltd a good buy now?

10 Year X-Ray of ISF: Share

Analysis of Financial Track Record

CAGR ⓘ

Key Financial Ratios

Recent Performance Summary

Latest Financials - ISF Ltd.

Management X-Ray of ISF: Share

Shareholding Pattern

Promoter's Holding & Share Pledging