ISF (BOM:526859) EV-to-FCF: (As of Aug. 09, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BOM:526859 ISF Ltd BOM:526859
47 GF Score
Price ₹0.70
GF Value ₹1.60
Valuation Significantly Undervalued
! 3 Warning Signs
View Full Analysis

What is ISF EV-to-FCF?

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, ISF's Enterprise Value is ₹87.99 Mil. ISF's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was ₹0.00 Mil. Therefore, ISF's EV-to-FCF for today is .

The historical rank and industry rank for ISF's EV-to-FCF or its related term are showing as below:

BOM:526859' s EV-to-FCF Range Over the Past 10 Years
Min: -782.54   Med: -203.71   Max: 130.65
Current: 5.99

During the past 13 years, the highest EV-to-FCF of ISF was 130.65. The lowest was -782.54. And the median was -203.71.

BOM:526859's EV-to-FCF is ranked better than
69.55% of 266 companies
in the Credit Services industry
Industry Median: 13.98 vs BOM:526859: 5.99

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

As of today (2026-08-09), ISF's stock price is ₹0.70. ISF's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was ₹-0.175. Therefore, ISF's PE Ratio (TTM) for today is At Loss.


ISF  (BOM:526859) EV-to-FCF Explanation

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

ISF's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=0.70/-0.175
=At Loss

ISF's share price for today is ₹0.70.
ISF's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹-0.175.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.


ISF EV-to-FCF Related Terms


ISF EV-to-FCF Historical Data

* Premium members only.

The historical data trend for ISF's EV-to-FCF can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

ISF EV-to-FCF Chart

ISF Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
EV-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only -2,826.13 -17.21 -8.99 13.40 6.38

ISF Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EV-to-FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 13.40 0.00 0.00 0.00 6.38

BOM:526859 vs V, MA, AXP: EV-to-FCF Comparison

For the Credit Services subindustry, ISF's EV-to-FCF, along with its competitors' market caps and EV-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


ISF EV-to-FCF vs Credit Services Industry

For the Credit Services industry and Financial Services sector, ISF's EV-to-FCF distribution charts can be found below:

* The bar in red indicates where ISF's EV-to-FCF falls into.


BOM:526859
47GF Score
ISF Ltd BOM:526859
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

ISF EV-to-FCF Calculation

ISF's EV-to-FCF for today is calculated as:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=87.987/0
=

ISF's current Enterprise Value is ₹87.99 Mil.
ISF's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹0.00 Mil.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Is ISF (BOM:526859) Overvalued in 2026?

Based on GuruFocus' analysis, ISF stock appears to be undervalued. The current stock price of ₹0.70 is trading 56.3% below its estimated GF Value™ of ₹1.60. GuruFocus considers ISF to be Significantly Undervalued.

Key valuation signals for BOM:526859:

  • EV-to-FCF:
  • GF Value™: ₹1.60 vs. price of ₹0.70 (56.3% below fair value)
  • GF Score™: 47/100 with 3 warning signs

No single metric tells the full story. See the BOM:526859 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


ISF Business Description

Address Sector - 58, TR-205, 2nd Floor, A-100, Gautam Buddha Nagar, Noida, UP, IND, 201301
ISF Ltd is a NBFC (non banking financial company) operating in the retail finance industry in India. The company mainly focuses on multiple lending products facilitating business growth of micro and small enterprises though a digitally enabled partnership approach. Few of its offerings include EV loans and battery financing, invoice discounting, SME business financing, loans for purchasing household appliances and electronic goods, agriculture-oirented loans, etc. The company's business activity falls within a single operating segment, namely Financing.
47GF Score

Get the complete analysis for BOM:526859

EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹0.70
Price
₹1.60
GF Value