IZMO Limited

IZMO Limited

728.50
INR
-28.80
(-3.80%)
35.97EPS
28.34P/E
15.26BMarket Cap
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
24.03
27.67
35.45
44.71
49.59
71.47
77.45
88.77
99.44
114.97
138.36
155.78
191.02
196.59
Basic EPS, GAAP
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
35.97
Free Cash Flow per Basic Share
7.64
-5.07
2.06
-5.64
-1.71
0.92
3.52
8.01
-6.84
-0.03
0.88
-20.07
-8.92
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
146.45
142.29
144.87
148.39
147.64
151.03
159.87
178.56
188.87
203.79
217.13
241.49
273.33
- -
Tangible Book Value per Share
6.54
8.63
13.47
13.88
11.67
6.6
-2.6
15.86
21.45
22.87
35.76
61.39
88.87
- -
Basic Weighted Avg Shares
12
12
12
12
13
13
13
13
13
13
13
14
15
15
Sales/Revenue/Turnover
291
335
429
543
630
922
1,012
1,161
1,324
1,538
1,867
2,246
2,849
2,938
Operating Margin (%)
-99.6
-23.38
-9.04
4.12
8.66
5.47
4.84
6.93
9.51
12.04
13.56
11.15
12.67
14.12
Depreciation Expense
258
132
122
119
123
152
156
221
125
116
154
164
175
173
Net Income, GAAP
6
-38
16
47
61
68
112
267
160
200
261
489
476
538
Effective Tax Rate (%)
11.31
- -
- -
- -
14.02
8.59
6.54
0.67
0.89
3.33
2.91
9.01
0.36
0.31
Profit Margin (%)
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
18.3
Working Capital
17
-72
103
244
156
49
-64
253
269
295
476
826
1,214
- -
LT Debt
4
- -
34
181
122
93
45
112
60
59
44
57
53
- -
Total Equity
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
- -
Return on Invested Capital (%)
2.57
- -
- -
- -
2.2
2.2
2.09
2.71
4.58
6.53
8.14
13.26
8.75
- -
Return on Capital (%)
1.24
- -
- -
- -
3.49
3.91
5.68
11.66
6.4
7.46
9.02
14.52
12.35
- -
Return on Common Equity (%)
0.35
-2.2
0.94
2.62
3.27
3.5
5.49
12
6.57
7.62
8.99
14.69
12.38
- -

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
113
- -
LT Borrowings
- -
36
- -
LT Finance Leases
- -
17
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
15
15
15
Market Capitalization
12,145
9,215
15,257

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
1,965
- -
Cash, Cash Equivalents & STI
- -
206
- -
Accounts Receivable, Net
- -
1,291
- -
Inventories
- -
3
- -
Total Current Liabilities
- -
751
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
113
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

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
-627.38%
-1,218.28%
-54.01%
Net Income, GAAP
53.06%
20.01%
-2.7%
Sales/Revenue/Turnover
21.22%
19.74%
26.83%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
476
586
587
598
2,246
2026
565
601
591
1,092
2,849
2027
654
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
4.27
21.14
4.07
4.63
33.9
2026
4.03
8.43
7.83
11.56
31.89
2027
8.15
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
2027
- -
- -
- -
- -
- -

Company Description

CEO
Sanjay Vedprakash Soni
Full Time Employees
384
Sector
Technology services
Industry
Packaged software
Address
No. 177/2C, Bilekahalli Industrial Area Bangalore KA India 560076
IPO Date
Oct 25, 1999
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.