ISF (BOM:526859) Moat Score: 0/10 (As of Aug. 05, 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.
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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
51 GF Score
Price ₹0.70
GF Value ₹1.60
Valuation Significantly Undervalued
! 3 Warning Signs
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What is ISF Moat Score?

ISF has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

ISF has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes ISF might have No Moat - No discernible moat.

ISF  (BOM:526859) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

ISF Moat Score Related Terms

BOM:526859
51GF Score
ISF Ltd BOM:526859
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

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:

  • Moat Score: 0
  • GF Value™: ₹1.60 vs. price of ₹0.70 (56.3% below fair value)
  • GF Score™: 51/100 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.
51GF Score

Get the complete analysis for BOM:526859

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

₹0.70
Price
₹1.60
GF Value