ISF Ltd Stock Price Today (NSE: ISFL)
Fundamental Score
ISF Ltd Share Price — Live NSE/BSE Price, Fundamentals & Analysis
ISF Ltd share price today is ₹0.76, up +0.00% on NSE/BSE as of 30 March 2026. ISF Ltd (ISFL) is a Small-cap company in the Non Banking Financial Company (NBFC) sector with a market capitalisation of ₹8.84 (Cr). The 52-week high for ISFL share price is ₹2.07 and the 52-week low is ₹0.76. At a P/E ratio of 147.33x, ISFL is currently trading above its industry average P/E of 22.03x. The company has a Return on Equity (ROE) of -0.07% and a debt-to-equity ratio of 0.21.
ISF Ltd Share Price Chart — NSE/BSE Historical Performance
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
ISF Ltd Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
ISF Share Price: A Conservative Value Investor's Perspective
The Non-Banking Financial Company (NBFC) sector is currently facing headwinds due to increased regulatory scrutiny and fluctuating interest rate environments. This demands a very cautious approach to value investing. This analysis forms part of a comprehensive 80-parameter fundamental audit, meticulously verified by Sweta Mishra, designed to ascertain the inherent value of ISF Ltd while prioritising capital preservation. Our focus here is a preliminary assessment of ISF share price, currently at ₹0.99.
The reported PE ratio of 147.33 immediately raises concerns. In value investing, a high PE often signals overvaluation. While future growth prospects might justify a premium, a detailed examination of ISF’s earnings sustainability is crucial. A company's competitive moat is largely affected by its Return on Capital Employed (ROCE). Currently, ISF's ROCE stands at a meager 1.93%. This figure suggests that the company struggles to generate significant returns from its invested capital, implying a weak or non-existent moat. A lower ROCE makes the NBFC vulnerable to disruption and competition, affecting long-term value creation.
Comparing ISF Ltd. to its peers sheds further light on its position. For instance, how does management quality contrast with companies such as
Apollo Finvest? Are there discernible differences in capital allocation decisions, risk management protocols, or corporate governance standards? Benchmarking against industry leaders is crucial in evaluating ISF's relative performance and management competence. Poor management choices could result in unsustainable growth or increased exposure to default risks, lowering the investment's intrinsic value.In conclusion, a preliminary assessment of ISF share price reveals several red flags that warrant further investigation. The high PE ratio coupled with a low ROCE of 1.93% suggests potential overvaluation and a weak competitive position. A more in-depth analysis, involving detailed financial statement scrutiny, competitive landscape assessment, and management quality evaluation is necessary before any investment decisions are contemplated. This analysis is observational and does not constitute financial advice.
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
ISF Ltd Fundamental Analysis & Valuation Benchmarking
Educational evaluation of ISFL across key market metrics for learning purposes.
Positive Indicators
3 factors identified
Robust Profit Growth (450.00%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture.
Conservative Debt Levels (D/E: 0.21)
Observation: Low leverage provides financial flexibility and reduced risk.
Analysis: Conservative debt structure offers resilience during economic downturns.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
8 factors identified
Below-Average Return on Equity (-0.07%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Suboptimal ROCE (1.93%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
Margin Pressure Concerns (0.83%)
Observation: Operating margins are below industry standards.
Analysis: OPM <5% may indicate pricing pressures or cost management challenges.
Premium Valuation Risk (P/E: 147.33x)
Observation: High valuation multiples may limit upside potential.
Analysis: Elevated P/E ratios require strong growth execution to justify current valuations.
Weak Interest Coverage (1.41x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Negative Free Cash Flow (₹-0.27 Cr over 5Y)
Observation: Cash outflows exceed inflows.
Analysis: Negative FCF requires analysis of capital expenditure cycle.
Low Promoter Commitment (0.64%)
Observation: Reduced promoter stake may indicate limited confidence.
Analysis: Low promoter holding may raise questions about management commitment.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints.
ISF Ltd Financial Statements
Comprehensive financial data for ISF Ltd including income statement, balance sheet and cash flow
About ISFL (ISF Ltd)
ISF Ltd is a non-banking financial company deeply rooted in the Indian financial landscape, committed to empowering underserved sectors and driving economic growth from the ground ...up. Founded with a vision to bridge the financial inclusion gap, ISF Ltd offers a comprehensive suite of tailor-made financial solutions designed to meet the unique needs of emerging businesses and individual entrepreneurs. Beyond traditional lending models, ISF Ltd focuses on building long-term partnerships with its clients, providing not only capital but also guidance and support to foster sustainable development and financial stability within their ventures. At the core of ISF Ltd's operations lies a commitment to innovation and accessibility, particularly in sectors vital to India's future. The company specializes in providing loans for electric vehicles (EVs), facilitating the transition to sustainable transportation, alongside tailored micro, small, and medium-sized enterprise (MSME) loans, empowering small businesses to thrive. Recognizing the critical role of agriculture in the Indian economy, ISF Ltd also extends financial support to livestock owners through its cattle loan programs. Furthermore, ISF Ltd is a strong proponent of optimizing supply chains with specialized financing solutions and the facilitation of battery financing to support the green energy ecosystem. Headquartered in Noida, ISF Ltd leverages its decades of experience and deep understanding of the local market to deliver impactful financial solutions. By offering services like invoice discounting, ISF Ltd ensures businesses have access to working capital, fostering healthy cash flow and growth. ISF Ltd’s customer-centric approach and dedication to ethical lending practices make it a trusted partner for individuals and enterprises seeking financial empowerment and a path towards a brighter economic future. The company continues to evolve, adapting to the changing needs of the market while staying true to its core mission of financial inclusion.
Company Details
Key Leadership
ISFL Share Price: Frequently Asked Questions
What is the current share price of ISF Ltd (ISFL)?
As of 30 Mar 2026, 12:02 pm IST, ISF Ltd share price is ₹0.76. The ISFL stock has a market capitalisation of ₹8.84 (Cr) on NSE/BSE.
Is ISFL share price Overvalued or Undervalued?
ISFL share price is currently trading at a P/E ratio of 147.33x, compared to the industry average of 22.03x. Based on this relative valuation, the ISF Ltd stock appears to be Overvalued against its sector peers.
What is the 52-week high and low of ISFL share price?
The 52-week high of ISFL share price is ₹2.07 and the 52-week low is ₹0.76. These values are updated daily from NSE/BSE price data.
What factors affect the ISF Ltd share price?
Key factors influencing ISFL share price include quarterly earnings growth (Sales Growth: 0.00%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is ISF Ltd a good stock for long-term investment?
ISF Ltd shows a 5-year Profit Growth of N/A% and an ROE of -0.07%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 0.21 before investing in ISFL shares.
How does ISF Ltd compare with its industry peers?
ISF Ltd competes with major peers in the Non Banking Financial Company (NBFC). Investors should compare ISFL share price P/E of 147.33x and ROE of -0.07% against the industry averages to determine competitive standing.
What is the P/E ratio of ISFL and what does it mean?
ISFL share price has a P/E ratio of 147.33x compared to the industry average of 22.03x. Investors pay ₹147 for every ₹1 of annual earnings.
How is ISFL performing according to Bull Run's analysis?
ISFL has a Bull Run fundamental score of 11.6/100, indicating concerns requiring careful analysis. This comprehensive rating is based on 15+ financial parameters.
What sector and industry does ISFL belong to?
ISFL operates in the Non Banking Financial Company (NBFC) industry. This classification helps understand the competitive landscape and sector-specific trends affecting ISF Ltd share price.
What is Return on Equity (ROE) and why is it important for ISFL?
ISFL has an ROE of -0.07%, which suggests challenges in generating returns from shareholders equity. ROE measures how efficiently ISF Ltd generates profits from shareholders capital.
How is ISFL debt-to-equity ratio and what does it indicate?
ISFL has a debt-to-equity ratio of 0.21, which indicates conservative financing with low financial risk.
What is ISFL dividend yield and is it a good dividend stock?
ISFL offers a dividend yield of 0.00%, meaning you receive ₹0.00 annual dividend for every ₹100 invested in ISF Ltd shares.
How has ISFL share price grown over the past 5 years?
ISFL has achieved 5-year growth rates of: Sales Growth 5.04%, Profit Growth N/A%, and EPS Growth N/A%.
What is the promoter holding in ISFL and why does it matter?
Promoters hold 0.64% of ISFL shares, with 0.00% pledged. High promoter holding often indicates strong management confidence in ISF Ltd.
What is ISFL market capitalisation category?
ISFL has a market capitalisation of ₹9 crores, placing it in the Small-cap category.
How volatile is ISFL stock?
ISFL has a beta of N/A. A beta > 1 suggests the ISF Ltd stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is ISFL operating profit margin trend?
ISFL has a 5-year average Operating Profit Margin (OPM) of 0.83%, indicating the company's operational efficiency.
How is ISFL quarterly performance?
Recent quarterly performance shows ISF Ltd YoY Sales Growth of 0.00% and YoY Profit Growth of 450.00%.
What is the institutional holding pattern in ISFL?
ISFL has FII holding of 0.00% and DII holding of 0.00%. Significant institutional holding often suggests professional confidence in the ISF Ltd stock.