ISP Finance Services Limited (JMSE:ISP)

R1 RCM Statistics

Total Valuation

JMSE:ISP has a market cap or net worth of JMD 2.10 billion.

Market Cap	2.10B
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Thursday, August 14, 2025.

Earnings Date	Aug 14, 2025
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 (%)	53.36%
Owned by Institutions (%)	0.38%
Float	2.26M

Valuation Ratios

The trailing PE ratio is 43.41.

PE Ratio	43.41
Forward PE	n/a
PS Ratio	8.55
PB Ratio	3.21
P/TBV Ratio	3.21
P/FCF Ratio	237.44
P/OCF Ratio	93.88
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 7.55, with a Debt / Equity ratio of 0.80.

Current Ratio	7.55
Quick Ratio	7.55
Debt / Equity	0.80
Debt / EBITDA	n/a
Debt / FCF	58.98
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 7.67%.

Return on Equity (ROE)	7.67%
Return on Assets (ROA)	3.93%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	6.64M
Profits Per Employee	1.31M
Employee Count	37
Asset Turnover	0.20
Inventory Turnover	n/a

Taxes

In the past 12 months, JMSE:ISP has paid 12.08 million in taxes.

Income Tax	12.08M
Effective Tax Rate	19.98%

Stock Price Statistics

The stock price has decreased by -20.00% in the last 52 weeks. The beta is 0.76, so JMSE:ISP's price volatility has been lower than the market average.

Beta (5Y)	0.76
52-Week Price Change	-20.00%
50-Day Moving Average	12.77
200-Day Moving Average	19.52
Relative Strength Index (RSI)	70.99
Average Volume (20 Days)	162

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 245.72 million and earned 48.38 million in profits. Earnings per share was 0.46.

Revenue	245.72M
Gross Profit	227.61M
Operating Income	61.01M
Pretax Income	60.46M
Net Income	48.38M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	0.46

Balance Sheet

The company has 119.91 million in cash and 521.65 million in debt, giving a net cash position of -401.73 million or -3.83 per share.

Cash & Cash Equivalents	119.91M
Total Debt	521.65M
Net Cash	-401.73M
Net Cash Per Share	-3.83
Equity (Book Value)	654.97M
Book Value Per Share	6.24
Working Capital	1.07B

Cash Flow

In the last 12 months, operating cash flow was 22.37 million and capital expenditures -13.52 million, giving a free cash flow of 8.84 million.

Operating Cash Flow	22.37M
Capital Expenditures	-13.52M
Free Cash Flow	8.84M
FCF Per Share	0.08

Margins

Gross margin is 92.63%, with operating and profit margins of 24.83% and 19.69%.

Gross Margin	92.63%
Operating Margin	24.83%
Pretax Margin	24.60%
Profit Margin	19.69%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	3.60%

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	2.30%
FCF Yield	0.42%

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	3