ISF Ltd Stock Analysis

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

BSE Share Price Jan 25, 13:11
6.53 0.31 (4.98%)

DeciZen - Make an Informed Decision on ISF

M-Cap below 100cr DeciZen not available

FAQ's

1. Is ISF Ltd a good quality company?

Data is not available for this 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 Overvalued zone.

3. Is ISF Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of ISF Ltd is likely to Rise-somewhat 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.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21TTM
Operating Income (₹ Cr.)1.210.90.80.91.11.21.51.41.32
YoY Gr. Rt. %--16.1%-10.1%-12.4%9%24.7%15.1%21.3%-5.4%-4.3%-
Adj EPS (₹ ) 00-000000000.1
YoY Gr. Rt. %-NANANANANANANANANA-
BVPS (₹ )1.31.31.31.31.31.31.31.41.41.41.5
YoY Gr. Rt. %-0%-3%0%0%0.8%0%6.1%0%2.9%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)00-1.90.10.10.10.10.20.12.30

CAGR

CAGR Colour Code Guide
9 Years 5 Years 3 Years 1 Years
Net Interest Income1.4%9.5%3.2%-4.3%
Adj EPSNANANANA
BVPS0.7%1.9%3%2.9%
Share Price 25% 73.1% 160.4% 1045.6%

Key Financial Ratios

RATIOS \ YEARSMar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%) 0000000000-
Margins
Net Profit Margin (%)0.50.5-34.91.42.62.21.91.91.225.742.9
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)00-2.50.10.20.20.20.20.12.64.9

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 4.80%

Total Income has increased 3.18 CAGR in last 3 years

Total income growth is good in last 4 quarters

Net Profit has declined 0.00 CAGR in last 3 years

Latest Financials - ISF Ltd.

Standalone Consolidated
TTM EPS (₹) 0.1 0
TTM Sales (₹ Cr.) 1.6 0.8
BVPS (₹.) 1.5 0
Reserves (₹ Cr.) 4 3
P/BV 4.26 0.00
PE 94.09 0.00
From the Market
52 Week Low / High (₹) 0.53 / 7.67
All Time Low / High (₹) 0.08 / 9.70
Market Cap (₹ Cr.) 59.1
Equity (₹ Cr.) 9.5
Face Value (₹) 1
Industry PE 38.5

Management X-Ray of ISF :

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Event Update

Analyst's Notes

News

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.

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