ISP Finance Services Limited (JMSE:ISP)

ISP Finance Services Statistics

Total Valuation

JMSE:ISP has a market cap or net worth of JMD 1.37 billion.

Market Cap	1.37B
Enterprise Value	n/a

Important Dates

The last earnings date was Friday, February 13, 2026.

Earnings Date	Feb 13, 2026
Ex-Dividend Date	n/a

Share Statistics

JMSE:ISP has 105.00 million shares outstanding.

Current Share Class	105.00M
Shares Outstanding	105.00M
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	53.41%
Owned by Institutions (%)	0.39%
Float	1.97M

Valuation Ratios

The trailing PE ratio is 35.31.

PE Ratio	35.31
Forward PE	n/a
PS Ratio	6.35
PB Ratio	2.01
P/TBV Ratio	2.01
P/FCF Ratio	116.49
P/OCF Ratio	65.63
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

The company has a current ratio of 51.70, with a Debt / Equity ratio of 0.77.

Current Ratio	51.70
Quick Ratio	51.65
Debt / Equity	0.77
Debt / EBITDA	n/a
Debt / FCF	44.78
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 5.86% and return on invested capital (ROIC) is 3.28%.

Return on Equity (ROE)	5.86%
Return on Assets (ROA)	3.12%
Return on Invested Capital (ROIC)	3.28%
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	5.47%
Revenue Per Employee	n/a
Profits Per Employee	n/a
Employee Count	37
Asset Turnover	0.17
Inventory Turnover	n/a

Taxes

In the past 12 months, JMSE:ISP has paid 7.18 million in taxes.

Income Tax	7.18M
Effective Tax Rate	15.66%

Stock Price Statistics

The stock price has decreased by -46.94% in the last 52 weeks. The beta is 0.60, so JMSE:ISP's price volatility has been lower than the market average.

Beta (5Y)	0.60
52-Week Price Change	-46.94%
50-Day Moving Average	14.49
200-Day Moving Average	13.62
Relative Strength Index (RSI)	48.40
Average Volume (20 Days)	772

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, JMSE:ISP had revenue of JMD 215.11 million and earned 38.66 million in profits. Earnings per share was 0.37.

Revenue	215.11M
Gross Profit	203.27M
Operating Income	46.62M
Pretax Income	45.84M
Net Income	38.66M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	0.37

Balance Sheet

The company has 96.25 million in cash and 524.74 million in debt, with a net cash position of -428.49 million or -4.08 per share.

Cash & Cash Equivalents	96.25M
Total Debt	524.74M
Net Cash	-428.49M
Net Cash Per Share	-4.08
Equity (Book Value)	679.23M
Book Value Per Share	6.47
Working Capital	1.17B

Cash Flow

In the last 12 months, operating cash flow was 20.80 million and capital expenditures -9.08 million, giving a free cash flow of 11.72 million.

Operating Cash Flow	20.80M
Capital Expenditures	-9.08M
Free Cash Flow	11.72M
FCF Per Share	0.11

Margins

Gross margin is 94.50%, with operating and profit margins of 21.67% and 17.97%.

Gross Margin	94.50%
Operating Margin	21.67%
Pretax Margin	21.31%
Profit Margin	17.97%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	5.45%

Dividends & Yields

JMSE:ISP does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	n/a
Shareholder Yield	n/a
Earnings Yield	2.83%
FCF Yield	0.86%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	4