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    Financial - Credit Services
ISF Limited

ISF Limited

ISFL.BO
ISF LimitedIN flagBombay Stock Exchange
0.68
INR
- -
- -
64.60MMarket Cap
ISF Limited
ISFL.BO
(Bombay Stock Exchange)

Recent

price

0.68

P/E

ratio

- -

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
FRC
0.15
0.12
0.11
0.09
0.08
0.09
0.11
0.13
0.16
0.15
0.14
0.17
0.17
0.21
0.19
- -
0.18
Revenue per Share
- -
- -
- -
-0.03
- -
- -
- -
- -
- -
- -
0.04
0.06
- -
-0.08
- -
- -
-0.18
Basic EPS, GAAP
0.33
-0.06
0.15
0.05
0.02
-0.02
-0.12
0.04
0.03
0.07
0.22
-0.01
-0.12
-0.26
0.15
- -
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
1.25
1.25
1.26
1.21
1.21
1.21
1.22
1.22
1.22
1.22
1.25
1.3
1.3
1.22
1.25
- -
1
Book Value per Share
1.34
1.34
1.35
1.3
1.3
1.3
1.38
1.39
1.39
1.39
1.43
1.49
1.49
1.41
1.45
- -
1.24
Tangible Book Value per Share
95
95
94
95
95
95
95
95
95
95
95
95
95
95
93
- -
95
Basic Weighted Avg Shares
14
12
10
9
8
8
11
12
15
14
14
16
17
20
18
17
17
Sales/Revenue/Turnover
43.99
56.72
58.89
40.63
56.55
60.51
23.44
36.2
53.1
63.51
67.04
52.41
66.52
49.99
-0.71
-132.46
-132.38
Operating Margin (%)
1
1
1
1
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
- -
- -
- -
-3
- -
- -
- -
- -
- -
- -
3
6
- -
-7
- -
-17
-17
Net Income, GAAP
73.37
32.83
32.32
1,206.67
34.24
31.07
31.12
35.69
25.92
27.49
42.73
29.26
83.02
- -
- -
- -
99.8
Effective Tax Rate (%)
0.37
0.45
0.47
-34.94
1.37
2.63
2.2
1.94
1.92
1.16
25.36
36.04
0.43
-36.54
-0.36
-98.05
-98.05
Profit Margin (%)
137
132
114
120
121
122
130
130
130
131
142
154
142
132
132
134
134
Working Capital
25
20
- -
- -
- -
- -
- -
- -
- -
- -
4
10
18
49
34
22
22
LT Debt
127
127
127
124
124
124
132
132
132
132
136
142
142
134
134
118
118
Total Equity
0.88
2.65
2.35
-24.94
1.87
2.26
1.05
1.72
3.55
4.03
3.46
4.06
1.13
- -
- -
- -
- -
Return on Invested Capital (%)
0.91
2.79
2.47
-26.34
1.62
1.84
1.88
0.16
0.19
0.11
2.58
4.53
0.05
- -
- -
- -
0.51
Return on Capital (%)
0.04
0.04
0.04
-2.66
0.09
0.19
0.2
0.21
0.24
0.14
2.93
4.86
0.06
-6.17
-0.06
-15.76
-15.76
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'26
Dec'26
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
28
- -
22
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
95
- -
95
Market Capitalization
96
98
72

Working Capital

FRC

•

in mil. unless spec.
Sep'26
Dec'26
Mar'26
Total Current Assets
165
- -
135
Cash, Cash Equivalents & STI
2
- -
- -
Accounts Receivable, Net
1
- -
6
Inventories
- -
- -
- -
Total Current Liabilities
2
- -
1
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
-0.39%
-2.66%
-12.4%
Free Cash Flow
161.11%
207.66%
7.73%
Net Income, GAAP
1,700.38%
3,000.91%
25,492.31%
Sales/Revenue/Turnover
7.98%
5.43%
-4.92%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
5
6
6
3
20
2025
4
4
4
5
18
2026
4
4
4
4
17

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
0.01
- -
-0.08
2025
- -
- -
-0.03
0.02
- -
2026
- -
0.01
0.01
-0.2
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
ISF Limited (ISFL.BO) operates as an RBI-registered non-banking financial company (NBFC), classified in the Base Layer under the scale-based regulatory framework, providing secured and unsecured lending solutions primarily to micro, small, and medium enterprises (MSMEs), individuals, and businesses across India, with a focus on North India. The company offers a range of financial products including EV loans and battery financing; MSME business loans and term loans; invoice discounting and supply chain finance; cattle loans and agri loans; loan against property; consumer durable loans; and financing for new and used commercial vehicles, cars, and two-wheelers. Incorporated in 1988 and headquartered in Noida, Uttar Pradesh, ISF Limited is listed on the Bombay Stock Exchange and maintains operations nationwide through a digitally enabled partnership model emphasizing quick processing, minimal paperwork, and technology-driven lending. Recent developments include sustained efforts to support women-led businesses with short-tenure financial products under closed-loop lending systems; ongoing board activities such as auditor appointments and financial result approvals as of August 2025; and a strategic shift toward digital-first services like supply chain finance amid MSME growth, with no major acquisitions, funding rounds, or partnerships announced in the past 1-2 years.