ISF

how big is ISF?

As of Jun 06, ISF Ltd has a market capitalization of 10.00 Cr, classifying it as a Micro Cap company, with recent net sales of 0.78 Cr and a net profit of -0.04 Cr over the latest four quarters. Shareholder's funds are reported at 12.31 Cr, and total assets amount to 15.58 Cr.

Market Cap: As of Jun 06, ISF Ltd has a market capitalization of 10.00 Cr, classifying it as a Micro Cap company.<BR><BR>Recent Quarterly Performance: The sum of Net Sales for the latest 4 quarters, which includes data from Mar'15, Dec'14, Sep'14, and Jun'14, is 0.78 Cr. The sum of Net Profit for the same quarters is -0.04 Cr. This data is presented on a Consolidated basis.<BR><BR>Balance Sheet Snapshot: This is also on a Consolidated basis for the latest annual period ending in Mar'15. Shareholder's Funds are reported at 12.31 Cr, while Total Assets amount to 15.58 Cr.

What does ISF do?

ISF Ltd is a micro cap Non Banking Financial Company in India that offers leasing and hire purchase finance services. As of March 2025, it reported net sales and profit of 0 Cr, with a market cap of Rs 10 Cr.

Overview: <BR>ISF Ltd is a Non Banking Financial Company (NBFC) in the micro cap category that provides leasing and hire purchase finance services in India.<BR><BR>History: <BR>ISF Ltd was incorporated in August 1988 and was formerly known as Inter State Finance Limited. The company changed its name to ISF Limited in November 2009. The latest quarterly results reported net sales and net profit of 0 Cr for March 2025.<BR><BR>Financial Snapshot: <BR>Most recent Net Sales: 0 Cr (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 0 Cr (Quarterly Results - Mar 2025) <BR>Market-cap value: Rs 10 Cr (Micro Cap)<BR><BR>Key Metrics: <BR>P/E: N/A <BR>Industry P/E: 23 <BR>Dividend Yield: 0.00% <BR>Debt-Equity: 0.33 <BR>Return on Equity: -0.07% <BR>Price to Book: 0.71<BR><BR>Contact Details: <BR>Address: K-10 Som Vihar, R K Puram New Delhi New Delhi : 110022 <BR>Tel: 91-11-26109124 <BR>Email: amar@isflimited.com <BR>Website: http://www.isflimited.in

Has ISF declared dividend?

No Dividend History Available

Who are the peers of the ISF?

ISF's peers include Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, GCM Capital, K Z Leasing, CitiPort Fin., and Krishna Capital. ISF has below-average management and growth risks, with a 1-year return of -48.26%, significantly lower than Bajaj Finance's 30.39%.

Peers: The peers of ISF are Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, GCM Capital, K Z Leasing, CitiPort Fin., and Krishna Capital.<BR><BR>Quality Snapshot: Excellent management risk is observed at Bajaj Finance, Cholaman.Inv.&Fn, Muthoot Finance, while Average management risk is found at Jio Financial, and Good management risk is present at Shriram Finance. Below Average management risk is noted for ISF, GCM Capital, and K Z Leasing. Growth is Excellent at Jio Financial, Good at Bajaj Finance, Cholaman.Inv.&Fn, Shriram Finance, and K Z Leasing, while Average growth is seen at Muthoot Finance. ISF and GCM Capital both exhibit Below Average growth. Capital Structure is Excellent for Bajaj Finance, Jio Financial, Shriram Finance, Muthoot Finance, ISF, GCM Capital, K Z Leasing, while Cholaman.Inv.&Fn has a Good capital structure, and CitiPort Fin. and Krishna Capital do not qualify.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Bajaj Finance at 30.39%, while ISF has the lowest at -48.26%. This indicates that ISF's 1-year return is significantly worse than its peers. Additionally, GCM Capital and K Z Leasing have negative six-month returns.

What is the technical trend for ISF?

As of May 26, 2025, ISF's technical trend has shifted to a moderate bearish stance, supported by bearish MACD indicators and daily moving averages, despite mixed signals from the KST and a mildly bearish outlook from Bollinger Bands and Dow Theory.

As of 26 May 2025, the technical trend for ISF has changed from mildly bearish to bearish. The current stance is bearish with a moderate strength. The weekly and monthly MACD indicators are both bearish, reinforcing the negative outlook. The daily moving averages also indicate a bearish trend. While the KST shows a bullish signal on the weekly timeframe, it is bearish on the monthly, suggesting mixed signals. The Bollinger Bands and Dow Theory both indicate a mildly bearish stance on the weekly and monthly timeframes. Overall, the combination of these indicators supports a bearish outlook for ISF.

Who are in the management team of ISF?

As of March 2023, the ISF management team includes Vishal Dang (Whole-time Director), Hargovind Sachdev, Gayathri M N, and Vhupendra Kaushik (all Independent Directors). Vishal Dang is the only member receiving remuneration, which is 6.0 lacs INR, while the others do not receive any compensation.

As of March 2023, the management team of ISF includes the following individuals:<BR><BR>1. Vishal Dang - Whole-time Director<BR>2. Hargovind Sachdev - Independent Non-Executive Director<BR>3. Gayathri M N - Independent Non-Executive Director<BR>4. Vhupendra Kaushik - Independent Director<BR><BR>Vishal Dang is the only member with a remuneration listed, receiving 6.0 lacs INR, while the other directors do not receive any remuneration.

Who are the top shareholders of the ISF?

The top shareholders of ISF include promoter Neelam Taneja with 0.52% and public shareholder Prem Kumar Jain with 9.25%. Individual investors hold a significant 81.91%, with no institutional holdings from mutual funds or foreign investors.

The top shareholders of ISF include Neelam Taneja, who is the promoter with the highest holding at 0.52%. The highest public shareholder is Prem Kumar Jain, holding 9.25%. Additionally, individual investors collectively hold a significant portion, accounting for 81.91% of the shares. There are no institutional holdings from mutual funds or foreign institutional investors.

How has been the historical performance of ISF?

ISF has experienced a decline in net sales and profit over the years, with net sales dropping from 0.89 Cr in 2014 to 0.78 Cr in 2015, resulting in a profit before tax of -0.03 Cr. Despite some improvements in operating profit margins and cash flow, the overall financial performance indicates ongoing challenges in sales and profitability.

Answer:<BR>The historical performance of ISF shows a decline in net sales and profit over the years analyzed.<BR><BR>Breakdown:<BR>In the fiscal year ending March 2015, ISF reported net sales of 0.78 Cr, a decrease from 0.89 Cr in March 2014. Total operating income followed the same trend, dropping to 0.78 Cr from 0.89 Cr. The company's total expenditure, excluding depreciation, decreased to 0.44 Cr from 0.50 Cr, while operating profit (PBDIT) also fell to 0.35 Cr from 0.39 Cr. Interest expenses increased slightly to 0.35 Cr from 0.33 Cr, leading to a profit before tax of -0.03 Cr, down from a profit of 0.03 Cr the previous year. Consequently, profit after tax was -0.03 Cr, an improvement from -0.31 Cr in the prior year. The earnings per share reflected this trend, with EPS at -0.0 compared to -0.03. The operating profit margin improved slightly to 44.19% from 43.71%, but the profit after tax margin showed a significant improvement to -3.96% from -34.94%. On the balance sheet, total liabilities decreased to 15.58 Cr from 16.03 Cr, while total assets also declined to 15.58 Cr from 16.03 Cr. Cash flow from operating activities was 0.19 Cr, down from 0.47 Cr, but net cash inflow improved to 0.04 Cr from -0.02 Cr. Overall, ISF's financial performance indicates challenges, particularly in sales and profitability, despite some improvements in margins and cash flow.

Is ISF overvalued or undervalued?

As of November 17, 2025, ISF is considered overvalued with a high PE ratio of 155.17, low ROCE of 1.97%, and poor stock performance, contrasting sharply with its peers like Bajaj Finance and Life Insurance.

As of 17 November 2025, the valuation grade for ISF has moved from very expensive to expensive. The company is currently considered overvalued based on its high PE ratio of 155.17, which significantly exceeds that of its peers. For instance, Bajaj Finance has a PE ratio of 34.85, while Life Insurance boasts a much lower PE ratio of 11.33, indicating that ISF's valuation is not justified when compared to these competitors.<BR><BR>In addition to the elevated PE ratio, ISF's EV to EBITDA stands at 12.67, which is on par with its own valuation but still higher than many peers, such as Life Insurance at 9.36. The company also shows a low ROCE of 1.97% and an ROE of just 0.45%, further highlighting its inefficiency relative to its market price. Recent stock performance has been poor, with a year-to-date return of -39.51%, contrasting sharply with the Sensex's gain of 8.72%, reinforcing the notion that ISF is overvalued in the current market landscape.

Should I buy, sell or hold ISF?

When is the next results date for ISF Ltd?

The next results date for ISF Ltd is 19 January 2026.

The next results date for ISF Ltd is scheduled for 19 January 2026.

Are ISF Ltd latest results good or bad?

ISF Ltd's latest results are concerning, showing an 11.11% decline in net sales and an 18.18% drop in net profit, alongside a weak Return on Equity of 1.75%. Overall, these metrics indicate significant financial distress and operational challenges for the company.

ISF Ltd's latest results indicate a concerning trend. The company reported a 11.11% decline in net sales for the quarter ended December 2025 compared to the previous quarter, which is a negative sign for its operational performance. Additionally, the standalone net profit also decreased by 18.18% in the same period, further highlighting ongoing profitability challenges.<BR><BR>Overall, the financial metrics reflect a pattern of persistent losses and operational inefficiencies. The company's average Return on Equity (ROE) stands at a weak 1.75%, and it has consistently underperformed against its peers in the NBFC sector. The stock has also seen a significant decline in value, down 39.49% over the past year, which starkly contrasts with the positive performance of the Sensex.<BR><BR>Given these factors, the latest results can be characterized as bad, reinforcing the notion that ISF Ltd. is facing significant financial distress and operational challenges.

Why is ISF Ltd falling/rising?

As of 07-Feb, the stock price of ISF Ltd is at 0.99, unchanged from the previous session, and has underperformed its sector. Year-to-date, it has declined 3.88%, with significant annual and three-year drops, while showing a positive five-year return, indicating ongoing challenges and a potential bearish trend.

As of 07-Feb, the stock price of ISF Ltd is currently at 0.99, showing no change from the previous trading session. The stock has underperformed its sector today by 0.62%. Over the past week, ISF Ltd has experienced a modest increase of 1.02%, although this is lower than the Sensex's gain of 1.59%. In the longer term, the stock has seen a decline of 3.88% year-to-date, which is worse than the Sensex's decline of 1.92%. <BR><BR>In terms of annual performance, ISF Ltd has dropped significantly by 34.00%, while the Sensex has risen by 7.07%. Over three years, the stock has decreased by 54.79%, contrasting sharply with the Sensex's increase of 38.13%. However, over the last five years, ISF Ltd has shown a positive return of 76.79%, which is still higher than the Sensex's return of 64.75%.<BR><BR>Investor participation appears to be falling, as indicated by a decrease in delivery volume by 6.79% compared to the five-day average. Additionally, while the stock's price is above the 5-day, 20-day, and 50-day moving averages, it remains below the 100-day and 200-day moving averages, suggesting a potential bearish trend. Overall, these factors indicate that ISF Ltd is currently facing challenges that contribute to its underperformance and may explain the stagnation in its stock price.

Which are the latest news on ISF?