What is CAGR? What does CAGR table indicate for ISF Ltd.?

Compounded average growth rate (CAGR) measures the average annual growth rate compounded year-on-year over a period of time.

ISF Ltd. Stock Analysis

Q: Is ISF Ltd. a good quality company?

MoneyWorks4Me analysed the past 10-year performance of ISF Ltd. and arrived at the following conclusion.

Q: Is the current market price of ISF Ltd. a good price to buy it?

The 5-year analysis of ISF Ltd.'s performance infers.

Q: What is ISF Ltd. share price return in the past 10 years?

We analysed the performance of ISF Ltd. share prices over the last 10 years. Here is what we found out:

Small Cap

Evaluated by 48 users | BSE: 526859 | NSE: |
Finance - NBFC

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...

10 Year X-Ray

Standalone basis Standalone basis P Consolidated basis

Analysis of Financial Track Record

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

What is a Financial Track Record? How to read this chart in order to understand the data present here?

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'10	Mar'11	Mar'12	Mar'13	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19
Operating Income (Rs. Cr.)	1.7	1.4	1.2	1	0.9	0.8	0.9	1.1	1.2	1.5
Y-o-Y Gr. Rt.	-	-15.6%	-16.3%	-16.1%	-10.1%	-12.4%	9%	24.7%	15.1%	21.3%
Adjusted EPS (Rs.) Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items	0	0	0	0	-0.03	0	0	0	0	0
Y-o-Y Gr. Rt.	-	NA	NA	NA	NA	NA	NA	NA	NA	NA
Book Value per Share (Rs.) The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share	1.34	1.34	1.34	1.34	1.3	1.3	1.3	1.31	1.31	1.39
Y-o-Y Gr. Rt.	-	0%	0%	0%	-3%	0%	0%	0.8%	0%	6.1%

To view Net Profit/Total Funds (%) Colour Rating Guide click here

Net Profit/Total Funds (%)

0.02

0.03

-1.86

0.07

0.14

0.17

Difference between Standalone Basis and Consolidated basis? Which method is preferred for ISF Ltd. ?

Standalone financials take only the parent company into account while consolidated financials take into account financials of the parent company as well as of all its subsidiaries. In most companies consolidated financials should be used for analysis.

ISF Ltd. should be analysed on a Standalone basis

CAGR CAGR Colour Code Guide

	9 yrs	5 yrs	3 yrs	1 yr
Operating Income	-1.3%	10.7%	20.3%	21.3%
Adjusted EPS Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.	NA	NA	NA	NA
Book Value per Share	0.4%	1.4%	2.3%	6.1%
Share Price	3.2%	20.4%	18.2%	111.1%

Key Financial Ratios

RATIOS \ YEARS	Mar'10	Mar'11	Mar'12	Mar'13	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here Asset Quality Ratio: Colour Rating Guide <0.5 : Very Good 0.5-1 : Somewhat Good >1 : Not Good
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 Capitalization Ratio: Colour Rating Guide >17% : Very Good 15%-17% : Somewhat Good <15% : Not Good
Capital Adequacy Ratio (%)	0	0	0	0	0	0	0	0	0	0
Margins
Net Profit Margin (%)	0.3	0.37	0.45	0.47	-34.94	1.37	2.63	2.2	1.94	1.92
Performance Ratios To view Performance Ratios Colour Rating Guide click here Performance Ratios: Colour Rating Guide >15 : Very Good 12-15 : Somewhat Good <12 : Not Good
Return on Equity (%)	0.04	0.04	0.04	0.04	-2.48	0.09	0.18	0.19	0.19	0.22

Management X-Ray

Shareholding Pattern

Entity	Percentage Holding
Promoters	30.43%
Non-Institutions	69.57%

Promoter's Holding & Share Pledging

Pledged ^*

0.00

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

FAQs

1. Is ISF Ltd. a good quality company?

Data is not available for this company.

2. Is current market price of ISF Ltd. a good price to buy it?

The 5-year analysis of ISF Ltd.'s performance infers:

ISF Ltd. earnings have grown by 0%, whereas share price has appreciated 20.4% CAGR over the past five years, indicating the company's share price is likely overvalued. However, for specific investment actions please connect with your investment advisor.

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

We analysed the performance of ISF Ltd. share prices over the last 10 years. Here is what we found out:

ISF Ltd. share price has appreciated 2.9% annually over the past ten years.

About Company

In FY07, to offset the fluctuation in the commercial vehicle sector, it negotiated with Citi-Corp Finance India to undertake financing of medical equipment,

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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