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    Software - Application
IZMO Limited

IZMO Limited

IZMO.NS
IZMO LimitedIN flagNational Stock Exchange of India
1,009.90
INR
+48.00
- -
15.11BMarket Cap
IZMO Limited
IZMO.NS
(National Stock Exchange of India)

Recent

price

1,009.90

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
40.73
27.65
27.1
24.03
27.67
35.45
44.71
49.59
71.47
77.45
88.77
99.44
114.97
138.36
155.77
191.01
190.87
Revenue per Share
0.89
3.36
5.65
0.51
-3.17
1.35
3.83
4.76
5.25
8.53
20.38
12.04
14.96
19.3
33.9
31.89
31.87
Basic EPS, GAAP
- -
- -
- -
7.64
-5.07
2.06
-5.64
-1.71
0.92
3.52
8.01
-6.84
-0.03
0.88
-20.07
-5.65
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
15.79
19.16
24.81
25.32
22.15
23.19
26.83
29.63
35.9
43.96
64.35
75.39
90
109.05
10.31
10.03
10.02
Book Value per Share
7.9
-4.02
-9.96
6.54
8.63
13.47
13.91
11.78
6.69
-2.6
15.99
21.51
22.89
37.39
63.32
89.16
89.09
Tangible Book Value per Share
12
12
12
12
12
12
12
13
13
13
13
13
13
13
14
15
15
Basic Weighted Avg Shares
493
335
328
291
335
429
543
630
922
1,012
1,161
1,324
1,538
1,867
2,246
2,849
2,849
Sales/Revenue/Turnover
-1.7
6.4
-10.88
-99.6
-23.38
-9.04
4.12
8.66
5.47
4.84
6.93
9.51
12.04
13.56
9.73
12.15
12.15
Operating Margin (%)
42
87
166
258
132
122
119
123
152
156
221
125
116
154
164
175
175
Depreciation Expense
11
41
68
6
-38
16
47
61
68
112
267
160
200
261
489
476
476
Net Income, GAAP
3.78
5.99
6.46
11.31
- -
- -
- -
14.02
8.59
6.54
0.67
0.89
3.33
2.91
9.01
0.36
0.36
Effective Tax Rate (%)
2.19
12.17
20.85
2.13
-11.47
3.81
8.57
9.61
7.34
11.02
22.95
12.11
13.01
13.95
21.76
16.7
16.7
Profit Margin (%)
-13
-114
-182
17
-72
103
244
156
49
-64
253
269
295
476
826
1,214
1,214
Working Capital
- -
21
13
4
- -
34
181
122
93
45
112
60
59
44
57
53
53
LT Debt
1,669
1,685
1,754
1,772
1,722
1,753
1,805
1,893
1,974
2,089
2,355
2,523
2,729
3,065
3,591
4,090
4,090
Total Equity
-0.44
1.11
-1.79
-13.49
- -
- -
- -
2.29
2.22
2.14
3.39
4.84
6.56
8.19
5.76
8.74
8.74
Return on Invested Capital (%)
3.09
11.79
16.6
5.31
- -
- -
- -
13.06
14.59
19.36
32.5
15.56
16.9
18.81
56.5
241.25
241.25
Return on Capital (%)
5.81
19.26
25.7
2.05
-13.37
5.96
15.35
17.24
16.12
21.5
37.64
17.38
18.13
19.47
60.32
318.83
318.83
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'26
Dec'26
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
36
- -
36
LT Finance Leases
33
- -
17
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
15
- -
15
Market Capitalization
18,126
12,105
9,193

Working Capital

FRC

•

in mil. unless spec.
Sep'26
Dec'26
Mar'26
Total Current Assets
1,774
- -
1,965
Cash, Cash Equivalents & STI
603
- -
671
Accounts Receivable, Net
1,166
- -
1,291
Inventories
5
- -
3
Total Current Liabilities
768
- -
751
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
8.93%
11.73%
13.87%
Free Cash Flow
-629.07%
-1,221.66%
-70.87%
Net Income, GAAP
53.06%
20.01%
-2.7%
Sales/Revenue/Turnover
21.22%
19.74%
26.83%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
415
448
502
503
1,867
2025
476
586
587
598
2,246
2026
565
601
591
1,092
2,849

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
3.73
3.81
5.12
- -
19.3
2025
4.27
21.14
4.07
4.63
33.9
2026
4.03
8.43
7.83
11.56
31.89

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
IZMO Limited is a technology-driven financial services company specializing in digital insurance solutions. The company offers a comprehensive suite of products and services including insurance technology platforms; digital insurance distribution; underwriting and policy administration; claims management; and customer engagement solutions. IZMO provides software-as-a-service (SaaS) products that enable insurers, brokers, and other financial intermediaries to automate and streamline insurance processes, enhance customer experiences, and improve operational efficiencies. Its offerings cover personal and commercial insurance lines through branded digital platforms and APIs, serving markets primarily in India and expanding in Asia. Founded in 2017 and headquartered in Bengaluru, India, IZMO Limited has recently focused on strategic business expansions and partnerships to broaden its insurance technology ecosystem. Notable recent developments include the launch of new modular insurance products tailored to embedded insurance and insurtech integrations, enabling seamless digital insurance buying experiences across multiple channels. IZMO also secured significant funding rounds in the last two years to scale its platform and increase market penetration. Additionally, the company has formed strategic alliances with major insurance carriers and fintech players to co-develop innovative insurance solutions and expand its geographic footprint. IZMO operates primarily in the insurance technology industry within the broader financial services segment. It targets insurers, brokers, digital marketplaces, and corporate clients seeking to leverage digital transformation in insurance distribution and policy management. The company’s subsidiaries and partnerships further support its goal to become a leading insurance platform across emerging markets, with emphasis on digital ecosystems and embedded insurance solutions. This comprehensive approach underscores IZMO Limited's role as a pivotal player in transforming insurance distribution and servicing through digital innovation and strategic collaborations.