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ISP Finance Services (XJAM:ISP) Intrinsic Value: Projected FCF : JMD0.00 (As of Jun. 22, 2025)


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What is ISP Finance Services Intrinsic Value: Projected FCF?

Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.

As of today (2025-06-22), ISP Finance Services's Intrinsic Value: Projected FCF is JMD0.00. The stock price of ISP Finance Services is JMD11.40. Therefore, ISP Finance Services's Price-to-Intrinsic-Value-Projected-FCF of today is 0.0.

The historical rank and industry rank for ISP Finance Services's Intrinsic Value: Projected FCF or its related term are showing as below:

XJAM:ISP's Price-to-Projected-FCF is not ranked *
in the Credit Services industry.
Industry Median: 0.73
* Ranked among companies with meaningful Price-to-Projected-FCF only.

ISP Finance Services Intrinsic Value: Projected FCF Historical Data

The historical data trend for ISP Finance Services's Intrinsic Value: Projected 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.

* Premium members only.

ISP Finance Services Intrinsic Value: Projected FCF Chart

ISP Finance Services Annual Data
Trend
Intrinsic Value: Projected FCF

ISP Finance Services Semi-Annual Data
Intrinsic Value: Projected FCF

Competitive Comparison of ISP Finance Services's Intrinsic Value: Projected FCF

For the Credit Services subindustry, ISP Finance Services's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-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.


ISP Finance Services's Price-to-Projected-FCF Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, ISP Finance Services's Price-to-Projected-FCF distribution charts can be found below:

* The bar in red indicates where ISP Finance Services's Price-to-Projected-FCF falls into.


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ISP Finance Services Intrinsic Value: Projected FCF Calculation

Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.

The details of how we calculate the intrinsic value of stocks are described in detail here.

This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.

Intrinsic Value: Projected FCF = ( Growth Multiple * Free Cash Flow (6 year avg) + 0.8 * Total Stockholders Equity (most recent) ) / Shares Outstanding (Diluted Average)

In the case of negative Total Stockholders Equity, the following formula is used (see Explanation section below for the reason):

Intrinsic Value: Projected FCF = ( Growth Multiple * Free Cash Flow (6 year avg) + Total Stockholders Equity (most recent) / 0.8 ) / Shares Outstanding (Diluted Average)



ISP Finance Services  (XJAM:ISP) Intrinsic Value: Projected FCF Explanation

The growth multiple is capped between 8.35 and 17.74.

Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.

ISP Finance Services's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as

Price-to-Intrinsic-Value-Projected-FCF=Share Price/Intrinsic Value: Projected FCF
=11.40/
=

* 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.


ISP Finance Services Intrinsic Value: Projected FCF Related Terms

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ISP Finance Services Business Description

Traded in Other Exchanges
N/A
Address
17 Phoenix Avenue, Kingston, JAM, 10
ISP Finance Services Ltd provides commercial loans and personal short term loans in Jamaica.

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