ISP Finance Services（ISP）株式概要ISP Finance Services Limited は、ジャマイカで商業および個人向けの短期融資を行っています。 詳細ISP ファンダメンタル分析スノーフレーク・スコア評価0/6将来の成長0/6過去の実績1/6財務の健全性2/6配当金0/6リスク分析JM市場と比較して、過去 3 か月間の株価の変動が非常に大きい意味のある時価総額がありません ( JMD1B )負債は営業キャッシュフローで十分にカバーされていない 過去5年間で収益は年間8.6%減少しました。 +2 さらなるリスクすべてのリスクチェックを見るISP Community Fair Values Create NarrativeSee what others think this stock is worth. Follow their fair value or set your own to get alerts.Your Fair ValueJA$Current PriceJA$9.99200.0% 割高 内在価値ディスカウントGrowth estimate overAnnual revenue growth rate5 Yearstime period%/yrDecreaseIncreasePastFuture0338m2016201920222025202620282031Revenue JA$167.2mEarnings JA$22.5mAdvancedSet Fair ValueView all narrativesISP Finance Services Limited 競合他社QWI InvestmentsSymbol: JMSE:QWIMarket cap: JA$996.5mSterling InvestmentsSymbol: JMSE:SILMarket cap: JA$1.4bVM InvestmentsSymbol: JMSE:VMILMarket cap: JA$2.3bLasco Financial ServicesSymbol: JMSE:LASFMarket cap: JA$2.7b価格と性能株価の高値、安値、推移の概要ISP Finance Services過去の株価現在の株価JA$9.9952週高値JA$20.0052週安値JA$8.50ベータ0.371ヶ月の変化-3.94%3ヶ月変化-20.02%1年変化-12.37%3年間の変化-50.05%5年間の変化-55.46%IPOからの変化-36.17%最新ニュースValuation Update With 7 Day Price Move • Jun 15Investor sentiment improves as stock rises 18%After last week's 18% share price gain to JA$11.75, the stock trades at a trailing P/E ratio of 43.9x. Average trailing P/E is 7x in the Consumer Finance industry in South America. Total loss to shareholders of 55% over the past three years.お知らせ • May 27ISP Finance Services Limited, Annual General Meeting, Jun 16, 2026ISP Finance Services Limited, Annual General Meeting, Jun 16, 2026.Valuation Update With 7 Day Price Move • May 22Investor sentiment deteriorates as stock falls 17%After last week's 17% share price decline to JA$10.37, the stock trades at a trailing P/E ratio of 38.7x. Average trailing P/E is 8x in the Consumer Finance industry in South America. Total loss to shareholders of 60% over the past three years.Board Change • May 21Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 4 experienced directors. 2 highly experienced directors. Director & HR Manager Brandon Smith was the last director to join the board, commencing their role in 2020. The following issues are considered to be risks according to the Simply Wall St Risk Model: Insufficient board refreshment.お知らせ • Feb 20ISP Finance Services Limited, Annual General Meeting, Feb 20, 2025ISP Finance Services Limited, Annual General Meeting, Feb 20, 2025.Valuation Update With 7 Day Price Move • Nov 15Investor sentiment deteriorates as stock falls 17%After last week's 17% share price decline to JA$20.00, the stock trades at a trailing P/E ratio of 21.3x. Average trailing P/E is 13x in the Consumer Finance industry globally. Total loss to shareholders of 47% over the past three years.最新情報をもっと見るRecent updatesValuation Update With 7 Day Price Move • Jun 15Investor sentiment improves as stock rises 18%After last week's 18% share price gain to JA$11.75, the stock trades at a trailing P/E ratio of 43.9x. Average trailing P/E is 7x in the Consumer Finance industry in South America. Total loss to shareholders of 55% over the past three years.お知らせ • May 27ISP Finance Services Limited, Annual General Meeting, Jun 16, 2026ISP Finance Services Limited, Annual General Meeting, Jun 16, 2026.Valuation Update With 7 Day Price Move • May 22Investor sentiment deteriorates as stock falls 17%After last week's 17% share price decline to JA$10.37, the stock trades at a trailing P/E ratio of 38.7x. Average trailing P/E is 8x in the Consumer Finance industry in South America. Total loss to shareholders of 60% over the past three years.Board Change • May 21Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 4 experienced directors. 2 highly experienced directors. Director & HR Manager Brandon Smith was the last director to join the board, commencing their role in 2020. The following issues are considered to be risks according to the Simply Wall St Risk Model: Insufficient board refreshment.お知らせ • Feb 20ISP Finance Services Limited, Annual General Meeting, Feb 20, 2025ISP Finance Services Limited, Annual General Meeting, Feb 20, 2025.Valuation Update With 7 Day Price Move • Nov 15Investor sentiment deteriorates as stock falls 17%After last week's 17% share price decline to JA$20.00, the stock trades at a trailing P/E ratio of 21.3x. Average trailing P/E is 13x in the Consumer Finance industry globally. Total loss to shareholders of 47% over the past three years.お知らせ • Nov 12ISP Finance Services Limited, Annual General Meeting, Nov 21, 2024ISP Finance Services Limited, Annual General Meeting, Nov 21, 2024. Location: altamont court hotel, kingston, JamaicaValuation Update With 7 Day Price Move • Oct 29Investor sentiment improves as stock rises 25%After last week's 25% share price gain to JA$25.00, the stock trades at a trailing P/E ratio of 26.6x. Average trailing P/E is 13x in the Consumer Finance industry globally. Total loss to shareholders of 48% over the past three years.Valuation Update With 7 Day Price Move • Oct 08Investor sentiment improves as stock rises 25%After last week's 25% share price gain to JA$25.00, the stock trades at a trailing P/E ratio of 26.6x. Average trailing P/E is 13x in the Consumer Finance industry globally. Total loss to shareholders of 29% over the past three years.Valuation Update With 7 Day Price Move • Sep 19Investor sentiment deteriorates as stock falls 18%After last week's 18% share price decline to JA$19.55, the stock trades at a trailing P/E ratio of 20.8x. Average trailing P/E is 13x in the Consumer Finance industry globally. Total loss to shareholders of 17% over the past three years.Valuation Update With 7 Day Price Move • Jul 30Investor sentiment improves as stock rises 25%After last week's 25% share price gain to JA$25.00, the stock trades at a trailing P/E ratio of 31.9x. Average trailing P/E is 13x in the Consumer Finance industry globally. Negligible returns to shareholders over past three years.お知らせ • Jul 18ISP Finance Services Limited to Report Fiscal Year 2023 Final Results on Aug 31, 2024ISP Finance Services Limited announced that they will report fiscal year 2023 final results on Aug 31, 2024Valuation Update With 7 Day Price Move • Jul 11Investor sentiment deteriorates as stock falls 23%After last week's 23% share price decline to JA$21.00, the stock trades at a trailing P/E ratio of 26.8x. Average trailing P/E is 13x in the Consumer Finance industry globally. Total loss to shareholders of 16% over the past three years.Valuation Update With 7 Day Price Move • Jun 21Investor sentiment improves as stock rises 18%After last week's 18% share price gain to JA$24.50, the stock trades at a trailing P/E ratio of 31.2x. Average trailing P/E is 12x in the Consumer Finance industry globally. Total returns to shareholders of 36% over the past three years.New Risk • Jun 09New major risk - Earnings qualityThe company has a high level of non-cash earnings. Accrual ratio: 25% This is considered a major risk. Non-cash earnings can arise from many different things. However, if a company consistently has a high level of non-cash earnings, it may be a sign that they are recognizing revenue from customers before the full value of the sales are received as cash or they are not depreciating the value of their assets appropriately. These are practices that inflate earnings, while not providing a similar increase to cash flows. Companies in some select industries naturally have a high level of non-cash earnings and it is not a major concern. However, in the worst case scenario it can be an early sign of performance manipulation by management. Currently, the following risks have been identified for the company: Major Risks Debt is not well covered by operating cash flow (currently running at an operating cash loss). Share price has been highly volatile over the past 3 months (20% average weekly change). High level of non-cash earnings (25% accrual ratio). Minor Risks Revenue is less than US$5m (JA$326m revenue, or US$2.1m). Market cap is less than US$100m (JA$2.56b market cap, or US$16.5m).Valuation Update With 7 Day Price Move • Apr 09Investor sentiment improves as stock rises 27%After last week's 27% share price gain to JA$31.00, the stock trades at a trailing P/E ratio of 54.4x. Average trailing P/E is 28x in the Consumer Finance industry in South America. Total returns to shareholders of 84% over the past three years.Valuation Update With 7 Day Price Move • Jan 30Investor sentiment deteriorates as stock falls 32%After last week's 32% share price decline to JA$20.30, the stock trades at a trailing P/E ratio of 49.2x. Average trailing P/E is 8x in the Consumer Finance industry in South America. Total loss to shareholders of 7.7% over the past three years.お知らせ • Jan 22ISP Finance Services Limited, Annual General Meeting, Feb 28, 2024ISP Finance Services Limited, Annual General Meeting, Feb 28, 2024, at 11:00 US Eastern Standard Time. Location: Coutleigh Hotel , Jamaica Jamaica Agenda: To receive the report of the Directors and the audited accounts for the Year Ended December 31, 2022; to authorize the Directors to appoint Auditors for 2023 and to fix their remuneration; to approve the remuneration of the Directors; to re-elect retiring Directors; and to transact such other business as may be properly transacted at an Annual General Meeting.Valuation Update With 7 Day Price Move • Jan 11Investor sentiment deteriorates as stock falls 21%After last week's 21% share price decline to JA$25.00, the stock trades at a trailing P/E ratio of 60.5x. Average trailing P/E is 8x in the Consumer Finance industry in South America. Total returns to shareholders of 28% over the past three years.Valuation Update With 7 Day Price Move • Dec 27Investor sentiment deteriorates as stock falls 15%After last week's 15% share price decline to JA$24.85, the stock trades at a trailing P/E ratio of 60.2x. Average trailing P/E is 8x in the Consumer Finance industry in South America. Total returns to shareholders of 27% over the past three years.Valuation Update With 7 Day Price Move • Dec 12Investor sentiment improves as stock rises 25%After last week's 25% share price gain to JA$29.90, the stock trades at a trailing P/E ratio of 72.4x. Average trailing P/E is 7x in the Consumer Finance industry in South America. Total returns to shareholders of 30% over the past three years.Valuation Update With 7 Day Price Move • Nov 23Investor sentiment improves as stock rises 22%After last week's 22% share price gain to JA$31.00, the stock trades at a trailing P/E ratio of 75.1x. Average trailing P/E is 7x in the Consumer Finance industry in South America. Total returns to shareholders of 92% over the past three years.Valuation Update With 7 Day Price Move • Nov 03Investor sentiment improves as stock rises 18%After last week's 18% share price gain to JA$31.50, the stock trades at a trailing P/E ratio of 75.1x. Average trailing P/E is 7x in the Consumer Finance industry in South America. Total returns to shareholders of 40% over the past three years.Valuation Update With 7 Day Price Move • Oct 14Investor sentiment deteriorates as stock falls 32%After last week's 32% share price decline to JA$30.00, the stock trades at a trailing P/E ratio of 71.5x. Average trailing P/E is 7x in the Consumer Finance industry in South America. Total returns to shareholders of 16% over the past three years.Board Change • Oct 01Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 3 experienced directors. 3 highly experienced directors. Director & HR Manager Brandon Smith was the last director to join the board, commencing their role in 2020. The following issues are considered to be risks according to the Simply Wall St Risk Model: Insufficient board refreshment.New Risk • Aug 19New major risk - Earnings qualityThe company has a high level of non-cash earnings. Accrual ratio: 32% This is considered a major risk. Non-cash earnings can arise from many different things. However, if a company consistently has a high level of non-cash earnings, it may be a sign that they are recognizing revenue from customers before the full value of the sales are received as cash or they are not depreciating the value of their assets appropriately. These are practices that inflate earnings, while not providing a similar increase to cash flows. Companies in some select industries naturally have a high level of non-cash earnings and it is not a major concern. However, in the worst case scenario it can be an early sign of performance manipulation by management. Currently, the following risks have been identified for the company: Major Risks Debt is not well covered by operating cash flow (currently running at an operating cash loss). Share price has been highly volatile over the past 3 months (34% average weekly change). High level of non-cash earnings (32% accrual ratio). Minor Risks Revenue is less than US$5m (JA$286m revenue, or US$1.9m). Market cap is less than US$100m (JA$2.78b market cap, or US$18.1m).Valuation Update With 7 Day Price Move • Aug 09Investor sentiment improves as stock rises 22%After last week's 22% share price gain to JA$25.00, the stock trades at a trailing P/E ratio of 48x. Average trailing P/E is 8x in the Consumer Finance industry in South America. Total returns to shareholders of 67% over the past three years.Valuation Update With 7 Day Price Move • Jul 10Investor sentiment deteriorates as stock falls 20%After last week's 20% share price decline to JA$20.01, the stock trades at a trailing P/E ratio of 38.4x. Average trailing P/E is 6x in the Consumer Finance industry in South America. Total returns to shareholders of 26% over the past three years.Valuation Update With 7 Day Price Move • Jun 07Investor sentiment deteriorates as stock falls 17%After last week's 17% share price decline to JA$21.00, the stock trades at a trailing P/E ratio of 38.3x. Average trailing P/E is 7x in the Consumer Finance industry in South America. Total returns to shareholders of 62% over the past three years.Valuation Update With 7 Day Price Move • May 01Investor sentiment improves as stock rises 18%After last week's 18% share price gain to JA$22.98, the stock trades at a trailing P/E ratio of 41.6x. Average trailing P/E is 7x in the Consumer Finance industry in South America. Total returns to shareholders of 45% over the past three years.Valuation Update With 7 Day Price Move • Apr 02Investor sentiment improves as stock rises 22%After last week's 22% share price gain to JA$25.55, the stock trades at a trailing P/E ratio of 46.3x. Average trailing P/E is 8x in the Consumer Finance industry in South America. Total returns to shareholders of 60% over the past three years.Valuation Update With 7 Day Price Move • Mar 18Investor sentiment deteriorates as stock falls 20%After last week's 20% share price decline to JA$20.00, the stock trades at a trailing P/E ratio of 36.2x. Average trailing P/E is 7x in the Consumer Finance industry in South America. Total returns to shareholders of 43% over the past three years.Valuation Update With 7 Day Price Move • Feb 24Investor sentiment deteriorates as stock falls 27%After last week's 27% share price decline to JA$20.49, the stock trades at a trailing P/E ratio of 44.1x. Average trailing P/E is 8x in the Consumer Finance industry in South America. Total returns to shareholders of 2.5% over the past three years.Valuation Update With 7 Day Price Move • Jan 16Investor sentiment improved over the past weekAfter last week's 36% share price gain to JA$24.56, the stock trades at a trailing P/E ratio of 52.8x. Average trailing P/E is 9x in the Consumer Finance industry in South America. Total loss to shareholders of 17% over the past three years.Valuation Update With 7 Day Price Move • Dec 15Investor sentiment improved over the past weekAfter last week's 17% share price gain to JA$17.50, the stock trades at a trailing P/E ratio of 37.7x. Average trailing P/E is 9x in the Consumer Finance industry in South America. Total loss to shareholders of 45% over the past three years.Valuation Update With 7 Day Price Move • Nov 25Investor sentiment deteriorated over the past weekAfter last week's 19% share price decline to JA$14.98, the stock trades at a trailing P/E ratio of 32.2x. Average trailing P/E is 7x in the Consumer Finance industry in South America. Total loss to shareholders of 54% over the past three years.Valuation Update With 7 Day Price Move • Oct 21Investor sentiment deteriorated over the past weekAfter last week's 25% share price decline to JA$15.00, the stock trades at a trailing P/E ratio of 33.8x. Average trailing P/E is 7x in the Consumer Finance industry in South America. Total loss to shareholders of 40% over the past three years.Valuation Update With 7 Day Price Move • Oct 02Investor sentiment deteriorated over the past weekAfter last week's 17% share price decline to JA$19.18, the stock trades at a trailing P/E ratio of 43.2x. Average trailing P/E is 7x in the Consumer Finance industry in South America. Total loss to shareholders of 23% over the past three years.Valuation Update With 7 Day Price Move • Sep 17Investor sentiment improved over the past weekAfter last week's 16% share price gain to JA$23.00, the stock trades at a trailing P/E ratio of 51.8x. Average trailing P/E is 7x in the Consumer Finance industry in South America. Total loss to shareholders of 8.0% over the past three years.Valuation Update With 7 Day Price Move • Jul 13Investor sentiment improved over the past weekAfter last week's 70% share price gain to JA$29.00, the stock trades at a trailing P/E ratio of 60.2x. Average trailing P/E is 6x in the Consumer Finance industry in South America. Total returns to shareholders of 109% over the past three years.Valuation Update With 7 Day Price Move • Jun 29Investor sentiment deteriorated over the past weekAfter last week's 15% share price decline to JA$19.12, the stock trades at a trailing P/E ratio of 39.7x. Average trailing P/E is 6x in the Consumer Finance industry in South America. Total returns to shareholders of 12% over the past three years.Valuation Update With 7 Day Price Move • May 05Investor sentiment deteriorated over the past weekAfter last week's 25% share price decline to JA$22.00, the stock trades at a trailing P/E ratio of 34x. Average trailing P/E is 6x in the Consumer Finance industry in South America. Total returns to shareholders of 76% over the past three years.Valuation Update With 7 Day Price Move • Mar 10Investor sentiment deteriorated over the past weekAfter last week's 17% share price decline to JA$25.00, the stock trades at a trailing P/E ratio of 38.6x. Average trailing P/E is 8x in the Consumer Finance industry in South America. Total returns to shareholders of 85% over the past three years.Valuation Update With 7 Day Price Move • Feb 19Investor sentiment deteriorated over the past weekAfter last week's 15% share price decline to JA$28.00, the stock trades at a trailing P/E ratio of 43.3x. Average trailing P/E is 10x in the Consumer Finance industry in South America. Total returns to shareholders of 115% over the past three years.Valuation Update With 7 Day Price Move • Feb 04Investor sentiment deteriorated over the past weekAfter last week's 15% share price decline to JA$30.00, the stock trades at a trailing P/E ratio of 46.4x. Average trailing P/E is 10x in the Consumer Finance industry in South America. Total returns to shareholders of 173% over the past three years.Valuation Update With 7 Day Price Move • Jan 20Investor sentiment deteriorated over the past weekAfter last week's 21% share price decline to JA$30.00, the stock trades at a trailing P/E ratio of 46.4x. Average trailing P/E is 11x in the Consumer Finance industry in South America. Total returns to shareholders of 131% over the past three years.Valuation Update With 7 Day Price Move • Nov 17Investor sentiment deteriorated over the past weekAfter last week's 16% share price decline to JA$38.00, the stock trades at a trailing P/E ratio of 59.1x. Average trailing P/E is 10x in the Consumer Finance industry in South America. Total returns to shareholders of 90% over the past three years.Valuation Update With 7 Day Price Move • Oct 27Investor sentiment improved over the past weekAfter last week's 25% share price gain to JA$50.00, the stock trades at a trailing P/E ratio of 77.8x. Average trailing P/E is 10x in the Consumer Finance industry in South America. Total returns to shareholders of 150% over the past three years.Valuation Update With 7 Day Price Move • Oct 09Investor sentiment improved over the past weekAfter last week's 40% share price gain to JA$35.00, the stock trades at a trailing P/E ratio of 54.5x. Average trailing P/E is 11x in the Consumer Finance industry in South America. Total returns to shareholders of 75% over the past three years.Valuation Update With 7 Day Price Move • Sep 17Investor sentiment improved over the past weekAfter last week's 35% share price gain to JA$23.50, the stock trades at a trailing P/E ratio of 36.6x. Average trailing P/E is 11x in the Consumer Finance industry in South America. Total returns to shareholders of 18% over the past three years.Valuation Update With 7 Day Price Move • Sep 02Investor sentiment deteriorated over the past weekAfter last week's 30% share price decline to JA$17.40, the stock trades at a trailing P/E ratio of 27.1x. Average trailing P/E is 10x in the Consumer Finance industry in South America. Total loss to shareholders of 13% over the past three years.Valuation Update With 7 Day Price Move • Jul 13Investor sentiment improved over the past weekAfter last week's 45% share price gain to JA$25.00, the stock trades at a trailing P/E ratio of 38.8x. Average trailing P/E is 11x in the Consumer Finance industry in South America. Total returns to shareholders of 67% over the past three years.Valuation Update With 7 Day Price Move • Jun 26Investor sentiment improved over the past weekAfter last week's 15% share price gain to JA$17.98, the stock trades at a trailing P/E ratio of 27.9x. Average trailing P/E is 12x in the Consumer Finance industry in South America. Total returns to shareholders of 20% over the past three years.Valuation Update With 7 Day Price Move • Jun 09Investor sentiment deteriorated over the past weekAfter last week's 17% share price decline to JA$20.00, the stock trades at a trailing P/E ratio of 31.1x. Average trailing P/E is 12x in the Consumer Finance industry in South America. Total returns to shareholders of 33% over the past three years.Valuation Update With 7 Day Price Move • May 06Investor sentiment improved over the past weekAfter last week's 19% share price gain to JA$20.00, the stock trades at a trailing P/E ratio of 32.1x. Average trailing P/E is 19x in the Consumer Finance industry in South America. Total returns to shareholders of 11% over the past three years.Valuation Update With 7 Day Price Move • Mar 11Investor sentiment deteriorated over the past weekAfter last week's 20% share price decline to JA$20.00, the stock is trading at a trailing P/E ratio of 29.8x, down from the previous P/E ratio of 37.3x. This compares to an average P/E of 18x in the Consumer Finance industry in South America. Total returns to shareholders over the past three years are 48%.Reported Earnings • Feb 19Full year 2020 earnings released: EPS JA$0.67 (vs JA$0.22 in FY 2019)The company reported a strong full year result with improved earnings, revenues and profit margins. Full year 2020 results: Revenue: JA$279.3m (up 16% from FY 2019). Net income: JA$70.4m (up 207% from FY 2019). Profit margin: 25% (up from 9.5% in FY 2019). The increase in margin was primarily driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 10% per year but the company’s share price has increased by 30% per year, which means it is well ahead of earnings.Valuation Update With 7 Day Price Move • Jan 18Investor sentiment improved over the past weekAfter last week's 17% share price gain to JA$22.89, the stock is trading at a trailing P/E ratio of 72.5x, up from the previous P/E ratio of 61.7x. This compares to an average P/E of 13x in the Consumer Finance industry in South America. Total returns to shareholders over the past three years are 89%.Valuation Update With 7 Day Price Move • Dec 23Investor sentiment deteriorated over the past weekAfter last week's 15% share price decline to JA$19.50, the stock is trading at a trailing P/E ratio of 61.7x, down from the previous P/E ratio of 72.7x. This compares to an average P/E of 13x in the Consumer Finance industry in South America. Total returns to shareholders over the past three years are 63%.Valuation Update With 7 Day Price Move • Dec 16Investor sentiment improved over the past weekAfter last week's 35% share price gain to JA$22.97, the stock is trading at a trailing P/E ratio of 72.7x, up from the previous P/E ratio of 53.8x. This compares to an average P/E of 13x in the Consumer Finance industry in South America. Total returns to shareholders over the past three years are 91%.Valuation Update With 7 Day Price Move • Dec 12Investor sentiment improved over the past weekAfter last week's 35% share price gain to JA$22.97, the stock is trading at a trailing P/E ratio of 72.7x, up from the previous P/E ratio of 53.8x. This compares to an average P/E of 13x in the Consumer Finance industry in South America. Total returns to shareholders over the past three years are 109%.Valuation Update With 7 Day Price Move • Nov 30Market bids up stock over the past weekAfter last week's 41% share price gain to JA$22.50, the stock is trading at a trailing P/E ratio of 71.2x, up from the previous P/E ratio of 50.7x. This compares to an average P/E of 13x in the Consumer Finance industry in South America. Total returns to shareholders over the past three years are 50%.Valuation Update With 7 Day Price Move • Nov 24Market pulls back on stock over the past weekAfter last week's 24% share price decline to JA$16.00, the stock is trading at a trailing P/E ratio of 50.7x, down from the previous P/E ratio of 66.5x. This compares to an average P/E of 13x in the Consumer Finance industry in South America. Total returns to shareholders over the past three years were flat.Valuation Update With 7 Day Price Move • Oct 23Market pulls back on stock over the past weekAfter last week's 38% share price decline to JA$16.01, the stock is trading at a trailing P/E ratio of 68.6x, down from the previous P/E ratio of 111.2x. This compares to an average P/E of 9x in the Consumer Finance industry in South America. Total return to shareholders over the past three years is a loss of 1.2%.株主還元ISPJM Consumer FinanceJM 市場7D0%-1.1%2.3%1Y-12.4%-5.2%7.0%株主還元を見る業界別リターン: ISP過去 1 年間で-5.2 % の収益を上げたJM Consumer Finance業界を下回りました。リターン対市場: ISPは、過去 1 年間で7 % のリターンを上げたJM市場を下回りました。価格変動Is ISP's price volatile compared to industry and market?ISP volatilityISP Average Weekly Movement18.1%Consumer Finance Industry Average Movement5.9%Market Average Movement9.3%10% most volatile stocks in JM Market18.0%10% least volatile stocks in JM Market4.7%安定した株価: ISPの株価は、 JM市場と比較して過去 3 か月間で変動しています。時間の経過による変動: ISPの 週次ボラティリティ は過去 1 年間で23%から18%に減少しましたが、依然としてJM株の 75% よりも高くなっています。会社概要設立従業員CEO（最高経営責任者ウェブサイト200733Dennis Smithwww.ispfinanceservices.comISP Finance Services Limited はジャマイカで商業用および個人用の短期ローンを提供しています。給料日前借り、債務整理、自動車保険、自動車の修理、緊急の請求書費用、学校への通学や学費のソリューション、個人ローンやビジネスローンを提供している。ISP Finance Services Limitedは2007年に設立され、ジャマイカのキングストンに拠点を置いています。もっと見るISP Finance Services Limited 基礎のまとめISP Finance Services の収益と売上を時価総額と比較するとどうか。ISP 基礎統計学時価総額JA$1.05b収益（TTM）JA$28.12m売上高(TTM)JA$209.11m37.3xPER（株価収益率5.0xP/SレシオISP は割高か？公正価値と評価分析を参照収益と収入最新の決算報告書（TTM）に基づく主な収益性統計ISP 損益計算書（TTM）収益JA$209.11m売上原価JA$11.42m売上総利益JA$197.69mその他の費用JA$169.57m収益JA$28.12m直近の収益報告Mar 31, 2026次回決算日該当なし一株当たり利益（EPS）0.27グロス・マージン94.54%純利益率13.45%有利子負債／自己資本比率76.6%ISP の長期的なパフォーマンスは？過去の実績と比較を見るView Valuation企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/06/24 16:11終値2026/06/23 00:00収益2026/03/31年間収益2025/12/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレークこのレポートを生成するために使用した分析モデルの詳細は、当社の Github ページ でご覧いただけます。また、レポートの使い方に関する ガイド や YouTube の チュートリアル もご用意しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋ISP Finance Services Limited 0 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。0
Valuation Update With 7 Day Price Move • Jun 15Investor sentiment improves as stock rises 18%After last week's 18% share price gain to JA$11.75, the stock trades at a trailing P/E ratio of 43.9x. Average trailing P/E is 7x in the Consumer Finance industry in South America. Total loss to shareholders of 55% over the past three years.
お知らせ • May 27ISP Finance Services Limited, Annual General Meeting, Jun 16, 2026ISP Finance Services Limited, Annual General Meeting, Jun 16, 2026.
Valuation Update With 7 Day Price Move • May 22Investor sentiment deteriorates as stock falls 17%After last week's 17% share price decline to JA$10.37, the stock trades at a trailing P/E ratio of 38.7x. Average trailing P/E is 8x in the Consumer Finance industry in South America. Total loss to shareholders of 60% over the past three years.
Board Change • May 21Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 4 experienced directors. 2 highly experienced directors. Director & HR Manager Brandon Smith was the last director to join the board, commencing their role in 2020. The following issues are considered to be risks according to the Simply Wall St Risk Model: Insufficient board refreshment.
お知らせ • Feb 20ISP Finance Services Limited, Annual General Meeting, Feb 20, 2025ISP Finance Services Limited, Annual General Meeting, Feb 20, 2025.
Valuation Update With 7 Day Price Move • Nov 15Investor sentiment deteriorates as stock falls 17%After last week's 17% share price decline to JA$20.00, the stock trades at a trailing P/E ratio of 21.3x. Average trailing P/E is 13x in the Consumer Finance industry globally. Total loss to shareholders of 47% over the past three years.
Valuation Update With 7 Day Price Move • Jun 15Investor sentiment improves as stock rises 18%After last week's 18% share price gain to JA$11.75, the stock trades at a trailing P/E ratio of 43.9x. Average trailing P/E is 7x in the Consumer Finance industry in South America. Total loss to shareholders of 55% over the past three years.
お知らせ • May 27ISP Finance Services Limited, Annual General Meeting, Jun 16, 2026ISP Finance Services Limited, Annual General Meeting, Jun 16, 2026.
Valuation Update With 7 Day Price Move • May 22Investor sentiment deteriorates as stock falls 17%After last week's 17% share price decline to JA$10.37, the stock trades at a trailing P/E ratio of 38.7x. Average trailing P/E is 8x in the Consumer Finance industry in South America. Total loss to shareholders of 60% over the past three years.
Board Change • May 21Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 4 experienced directors. 2 highly experienced directors. Director & HR Manager Brandon Smith was the last director to join the board, commencing their role in 2020. The following issues are considered to be risks according to the Simply Wall St Risk Model: Insufficient board refreshment.
お知らせ • Feb 20ISP Finance Services Limited, Annual General Meeting, Feb 20, 2025ISP Finance Services Limited, Annual General Meeting, Feb 20, 2025.
Valuation Update With 7 Day Price Move • Nov 15Investor sentiment deteriorates as stock falls 17%After last week's 17% share price decline to JA$20.00, the stock trades at a trailing P/E ratio of 21.3x. Average trailing P/E is 13x in the Consumer Finance industry globally. Total loss to shareholders of 47% over the past three years.
お知らせ • Nov 12ISP Finance Services Limited, Annual General Meeting, Nov 21, 2024ISP Finance Services Limited, Annual General Meeting, Nov 21, 2024. Location: altamont court hotel, kingston, Jamaica
Valuation Update With 7 Day Price Move • Oct 29Investor sentiment improves as stock rises 25%After last week's 25% share price gain to JA$25.00, the stock trades at a trailing P/E ratio of 26.6x. Average trailing P/E is 13x in the Consumer Finance industry globally. Total loss to shareholders of 48% over the past three years.
Valuation Update With 7 Day Price Move • Oct 08Investor sentiment improves as stock rises 25%After last week's 25% share price gain to JA$25.00, the stock trades at a trailing P/E ratio of 26.6x. Average trailing P/E is 13x in the Consumer Finance industry globally. Total loss to shareholders of 29% over the past three years.
Valuation Update With 7 Day Price Move • Sep 19Investor sentiment deteriorates as stock falls 18%After last week's 18% share price decline to JA$19.55, the stock trades at a trailing P/E ratio of 20.8x. Average trailing P/E is 13x in the Consumer Finance industry globally. Total loss to shareholders of 17% over the past three years.
Valuation Update With 7 Day Price Move • Jul 30Investor sentiment improves as stock rises 25%After last week's 25% share price gain to JA$25.00, the stock trades at a trailing P/E ratio of 31.9x. Average trailing P/E is 13x in the Consumer Finance industry globally. Negligible returns to shareholders over past three years.
お知らせ • Jul 18ISP Finance Services Limited to Report Fiscal Year 2023 Final Results on Aug 31, 2024ISP Finance Services Limited announced that they will report fiscal year 2023 final results on Aug 31, 2024
Valuation Update With 7 Day Price Move • Jul 11Investor sentiment deteriorates as stock falls 23%After last week's 23% share price decline to JA$21.00, the stock trades at a trailing P/E ratio of 26.8x. Average trailing P/E is 13x in the Consumer Finance industry globally. Total loss to shareholders of 16% over the past three years.
Valuation Update With 7 Day Price Move • Jun 21Investor sentiment improves as stock rises 18%After last week's 18% share price gain to JA$24.50, the stock trades at a trailing P/E ratio of 31.2x. Average trailing P/E is 12x in the Consumer Finance industry globally. Total returns to shareholders of 36% over the past three years.
New Risk • Jun 09New major risk - Earnings qualityThe company has a high level of non-cash earnings. Accrual ratio: 25% This is considered a major risk. Non-cash earnings can arise from many different things. However, if a company consistently has a high level of non-cash earnings, it may be a sign that they are recognizing revenue from customers before the full value of the sales are received as cash or they are not depreciating the value of their assets appropriately. These are practices that inflate earnings, while not providing a similar increase to cash flows. Companies in some select industries naturally have a high level of non-cash earnings and it is not a major concern. However, in the worst case scenario it can be an early sign of performance manipulation by management. Currently, the following risks have been identified for the company: Major Risks Debt is not well covered by operating cash flow (currently running at an operating cash loss). Share price has been highly volatile over the past 3 months (20% average weekly change). High level of non-cash earnings (25% accrual ratio). Minor Risks Revenue is less than US$5m (JA$326m revenue, or US$2.1m). Market cap is less than US$100m (JA$2.56b market cap, or US$16.5m).
Valuation Update With 7 Day Price Move • Apr 09Investor sentiment improves as stock rises 27%After last week's 27% share price gain to JA$31.00, the stock trades at a trailing P/E ratio of 54.4x. Average trailing P/E is 28x in the Consumer Finance industry in South America. Total returns to shareholders of 84% over the past three years.
Valuation Update With 7 Day Price Move • Jan 30Investor sentiment deteriorates as stock falls 32%After last week's 32% share price decline to JA$20.30, the stock trades at a trailing P/E ratio of 49.2x. Average trailing P/E is 8x in the Consumer Finance industry in South America. Total loss to shareholders of 7.7% over the past three years.
お知らせ • Jan 22ISP Finance Services Limited, Annual General Meeting, Feb 28, 2024ISP Finance Services Limited, Annual General Meeting, Feb 28, 2024, at 11:00 US Eastern Standard Time. Location: Coutleigh Hotel , Jamaica Jamaica Agenda: To receive the report of the Directors and the audited accounts for the Year Ended December 31, 2022; to authorize the Directors to appoint Auditors for 2023 and to fix their remuneration; to approve the remuneration of the Directors; to re-elect retiring Directors; and to transact such other business as may be properly transacted at an Annual General Meeting.
Valuation Update With 7 Day Price Move • Jan 11Investor sentiment deteriorates as stock falls 21%After last week's 21% share price decline to JA$25.00, the stock trades at a trailing P/E ratio of 60.5x. Average trailing P/E is 8x in the Consumer Finance industry in South America. Total returns to shareholders of 28% over the past three years.
Valuation Update With 7 Day Price Move • Dec 27Investor sentiment deteriorates as stock falls 15%After last week's 15% share price decline to JA$24.85, the stock trades at a trailing P/E ratio of 60.2x. Average trailing P/E is 8x in the Consumer Finance industry in South America. Total returns to shareholders of 27% over the past three years.
Valuation Update With 7 Day Price Move • Dec 12Investor sentiment improves as stock rises 25%After last week's 25% share price gain to JA$29.90, the stock trades at a trailing P/E ratio of 72.4x. Average trailing P/E is 7x in the Consumer Finance industry in South America. Total returns to shareholders of 30% over the past three years.
Valuation Update With 7 Day Price Move • Nov 23Investor sentiment improves as stock rises 22%After last week's 22% share price gain to JA$31.00, the stock trades at a trailing P/E ratio of 75.1x. Average trailing P/E is 7x in the Consumer Finance industry in South America. Total returns to shareholders of 92% over the past three years.
Valuation Update With 7 Day Price Move • Nov 03Investor sentiment improves as stock rises 18%After last week's 18% share price gain to JA$31.50, the stock trades at a trailing P/E ratio of 75.1x. Average trailing P/E is 7x in the Consumer Finance industry in South America. Total returns to shareholders of 40% over the past three years.
Valuation Update With 7 Day Price Move • Oct 14Investor sentiment deteriorates as stock falls 32%After last week's 32% share price decline to JA$30.00, the stock trades at a trailing P/E ratio of 71.5x. Average trailing P/E is 7x in the Consumer Finance industry in South America. Total returns to shareholders of 16% over the past three years.
Board Change • Oct 01Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 3 experienced directors. 3 highly experienced directors. Director & HR Manager Brandon Smith was the last director to join the board, commencing their role in 2020. The following issues are considered to be risks according to the Simply Wall St Risk Model: Insufficient board refreshment.
New Risk • Aug 19New major risk - Earnings qualityThe company has a high level of non-cash earnings. Accrual ratio: 32% This is considered a major risk. Non-cash earnings can arise from many different things. However, if a company consistently has a high level of non-cash earnings, it may be a sign that they are recognizing revenue from customers before the full value of the sales are received as cash or they are not depreciating the value of their assets appropriately. These are practices that inflate earnings, while not providing a similar increase to cash flows. Companies in some select industries naturally have a high level of non-cash earnings and it is not a major concern. However, in the worst case scenario it can be an early sign of performance manipulation by management. Currently, the following risks have been identified for the company: Major Risks Debt is not well covered by operating cash flow (currently running at an operating cash loss). Share price has been highly volatile over the past 3 months (34% average weekly change). High level of non-cash earnings (32% accrual ratio). Minor Risks Revenue is less than US$5m (JA$286m revenue, or US$1.9m). Market cap is less than US$100m (JA$2.78b market cap, or US$18.1m).
Valuation Update With 7 Day Price Move • Aug 09Investor sentiment improves as stock rises 22%After last week's 22% share price gain to JA$25.00, the stock trades at a trailing P/E ratio of 48x. Average trailing P/E is 8x in the Consumer Finance industry in South America. Total returns to shareholders of 67% over the past three years.
Valuation Update With 7 Day Price Move • Jul 10Investor sentiment deteriorates as stock falls 20%After last week's 20% share price decline to JA$20.01, the stock trades at a trailing P/E ratio of 38.4x. Average trailing P/E is 6x in the Consumer Finance industry in South America. Total returns to shareholders of 26% over the past three years.
Valuation Update With 7 Day Price Move • Jun 07Investor sentiment deteriorates as stock falls 17%After last week's 17% share price decline to JA$21.00, the stock trades at a trailing P/E ratio of 38.3x. Average trailing P/E is 7x in the Consumer Finance industry in South America. Total returns to shareholders of 62% over the past three years.
Valuation Update With 7 Day Price Move • May 01Investor sentiment improves as stock rises 18%After last week's 18% share price gain to JA$22.98, the stock trades at a trailing P/E ratio of 41.6x. Average trailing P/E is 7x in the Consumer Finance industry in South America. Total returns to shareholders of 45% over the past three years.
Valuation Update With 7 Day Price Move • Apr 02Investor sentiment improves as stock rises 22%After last week's 22% share price gain to JA$25.55, the stock trades at a trailing P/E ratio of 46.3x. Average trailing P/E is 8x in the Consumer Finance industry in South America. Total returns to shareholders of 60% over the past three years.
Valuation Update With 7 Day Price Move • Mar 18Investor sentiment deteriorates as stock falls 20%After last week's 20% share price decline to JA$20.00, the stock trades at a trailing P/E ratio of 36.2x. Average trailing P/E is 7x in the Consumer Finance industry in South America. Total returns to shareholders of 43% over the past three years.
Valuation Update With 7 Day Price Move • Feb 24Investor sentiment deteriorates as stock falls 27%After last week's 27% share price decline to JA$20.49, the stock trades at a trailing P/E ratio of 44.1x. Average trailing P/E is 8x in the Consumer Finance industry in South America. Total returns to shareholders of 2.5% over the past three years.
Valuation Update With 7 Day Price Move • Jan 16Investor sentiment improved over the past weekAfter last week's 36% share price gain to JA$24.56, the stock trades at a trailing P/E ratio of 52.8x. Average trailing P/E is 9x in the Consumer Finance industry in South America. Total loss to shareholders of 17% over the past three years.
Valuation Update With 7 Day Price Move • Dec 15Investor sentiment improved over the past weekAfter last week's 17% share price gain to JA$17.50, the stock trades at a trailing P/E ratio of 37.7x. Average trailing P/E is 9x in the Consumer Finance industry in South America. Total loss to shareholders of 45% over the past three years.
Valuation Update With 7 Day Price Move • Nov 25Investor sentiment deteriorated over the past weekAfter last week's 19% share price decline to JA$14.98, the stock trades at a trailing P/E ratio of 32.2x. Average trailing P/E is 7x in the Consumer Finance industry in South America. Total loss to shareholders of 54% over the past three years.
Valuation Update With 7 Day Price Move • Oct 21Investor sentiment deteriorated over the past weekAfter last week's 25% share price decline to JA$15.00, the stock trades at a trailing P/E ratio of 33.8x. Average trailing P/E is 7x in the Consumer Finance industry in South America. Total loss to shareholders of 40% over the past three years.
Valuation Update With 7 Day Price Move • Oct 02Investor sentiment deteriorated over the past weekAfter last week's 17% share price decline to JA$19.18, the stock trades at a trailing P/E ratio of 43.2x. Average trailing P/E is 7x in the Consumer Finance industry in South America. Total loss to shareholders of 23% over the past three years.
Valuation Update With 7 Day Price Move • Sep 17Investor sentiment improved over the past weekAfter last week's 16% share price gain to JA$23.00, the stock trades at a trailing P/E ratio of 51.8x. Average trailing P/E is 7x in the Consumer Finance industry in South America. Total loss to shareholders of 8.0% over the past three years.
Valuation Update With 7 Day Price Move • Jul 13Investor sentiment improved over the past weekAfter last week's 70% share price gain to JA$29.00, the stock trades at a trailing P/E ratio of 60.2x. Average trailing P/E is 6x in the Consumer Finance industry in South America. Total returns to shareholders of 109% over the past three years.
Valuation Update With 7 Day Price Move • Jun 29Investor sentiment deteriorated over the past weekAfter last week's 15% share price decline to JA$19.12, the stock trades at a trailing P/E ratio of 39.7x. Average trailing P/E is 6x in the Consumer Finance industry in South America. Total returns to shareholders of 12% over the past three years.
Valuation Update With 7 Day Price Move • May 05Investor sentiment deteriorated over the past weekAfter last week's 25% share price decline to JA$22.00, the stock trades at a trailing P/E ratio of 34x. Average trailing P/E is 6x in the Consumer Finance industry in South America. Total returns to shareholders of 76% over the past three years.
Valuation Update With 7 Day Price Move • Mar 10Investor sentiment deteriorated over the past weekAfter last week's 17% share price decline to JA$25.00, the stock trades at a trailing P/E ratio of 38.6x. Average trailing P/E is 8x in the Consumer Finance industry in South America. Total returns to shareholders of 85% over the past three years.
Valuation Update With 7 Day Price Move • Feb 19Investor sentiment deteriorated over the past weekAfter last week's 15% share price decline to JA$28.00, the stock trades at a trailing P/E ratio of 43.3x. Average trailing P/E is 10x in the Consumer Finance industry in South America. Total returns to shareholders of 115% over the past three years.
Valuation Update With 7 Day Price Move • Feb 04Investor sentiment deteriorated over the past weekAfter last week's 15% share price decline to JA$30.00, the stock trades at a trailing P/E ratio of 46.4x. Average trailing P/E is 10x in the Consumer Finance industry in South America. Total returns to shareholders of 173% over the past three years.
Valuation Update With 7 Day Price Move • Jan 20Investor sentiment deteriorated over the past weekAfter last week's 21% share price decline to JA$30.00, the stock trades at a trailing P/E ratio of 46.4x. Average trailing P/E is 11x in the Consumer Finance industry in South America. Total returns to shareholders of 131% over the past three years.
Valuation Update With 7 Day Price Move • Nov 17Investor sentiment deteriorated over the past weekAfter last week's 16% share price decline to JA$38.00, the stock trades at a trailing P/E ratio of 59.1x. Average trailing P/E is 10x in the Consumer Finance industry in South America. Total returns to shareholders of 90% over the past three years.
Valuation Update With 7 Day Price Move • Oct 27Investor sentiment improved over the past weekAfter last week's 25% share price gain to JA$50.00, the stock trades at a trailing P/E ratio of 77.8x. Average trailing P/E is 10x in the Consumer Finance industry in South America. Total returns to shareholders of 150% over the past three years.
Valuation Update With 7 Day Price Move • Oct 09Investor sentiment improved over the past weekAfter last week's 40% share price gain to JA$35.00, the stock trades at a trailing P/E ratio of 54.5x. Average trailing P/E is 11x in the Consumer Finance industry in South America. Total returns to shareholders of 75% over the past three years.
Valuation Update With 7 Day Price Move • Sep 17Investor sentiment improved over the past weekAfter last week's 35% share price gain to JA$23.50, the stock trades at a trailing P/E ratio of 36.6x. Average trailing P/E is 11x in the Consumer Finance industry in South America. Total returns to shareholders of 18% over the past three years.
Valuation Update With 7 Day Price Move • Sep 02Investor sentiment deteriorated over the past weekAfter last week's 30% share price decline to JA$17.40, the stock trades at a trailing P/E ratio of 27.1x. Average trailing P/E is 10x in the Consumer Finance industry in South America. Total loss to shareholders of 13% over the past three years.
Valuation Update With 7 Day Price Move • Jul 13Investor sentiment improved over the past weekAfter last week's 45% share price gain to JA$25.00, the stock trades at a trailing P/E ratio of 38.8x. Average trailing P/E is 11x in the Consumer Finance industry in South America. Total returns to shareholders of 67% over the past three years.
Valuation Update With 7 Day Price Move • Jun 26Investor sentiment improved over the past weekAfter last week's 15% share price gain to JA$17.98, the stock trades at a trailing P/E ratio of 27.9x. Average trailing P/E is 12x in the Consumer Finance industry in South America. Total returns to shareholders of 20% over the past three years.
Valuation Update With 7 Day Price Move • Jun 09Investor sentiment deteriorated over the past weekAfter last week's 17% share price decline to JA$20.00, the stock trades at a trailing P/E ratio of 31.1x. Average trailing P/E is 12x in the Consumer Finance industry in South America. Total returns to shareholders of 33% over the past three years.
Valuation Update With 7 Day Price Move • May 06Investor sentiment improved over the past weekAfter last week's 19% share price gain to JA$20.00, the stock trades at a trailing P/E ratio of 32.1x. Average trailing P/E is 19x in the Consumer Finance industry in South America. Total returns to shareholders of 11% over the past three years.
Valuation Update With 7 Day Price Move • Mar 11Investor sentiment deteriorated over the past weekAfter last week's 20% share price decline to JA$20.00, the stock is trading at a trailing P/E ratio of 29.8x, down from the previous P/E ratio of 37.3x. This compares to an average P/E of 18x in the Consumer Finance industry in South America. Total returns to shareholders over the past three years are 48%.
Reported Earnings • Feb 19Full year 2020 earnings released: EPS JA$0.67 (vs JA$0.22 in FY 2019)The company reported a strong full year result with improved earnings, revenues and profit margins. Full year 2020 results: Revenue: JA$279.3m (up 16% from FY 2019). Net income: JA$70.4m (up 207% from FY 2019). Profit margin: 25% (up from 9.5% in FY 2019). The increase in margin was primarily driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 10% per year but the company’s share price has increased by 30% per year, which means it is well ahead of earnings.
Valuation Update With 7 Day Price Move • Jan 18Investor sentiment improved over the past weekAfter last week's 17% share price gain to JA$22.89, the stock is trading at a trailing P/E ratio of 72.5x, up from the previous P/E ratio of 61.7x. This compares to an average P/E of 13x in the Consumer Finance industry in South America. Total returns to shareholders over the past three years are 89%.
Valuation Update With 7 Day Price Move • Dec 23Investor sentiment deteriorated over the past weekAfter last week's 15% share price decline to JA$19.50, the stock is trading at a trailing P/E ratio of 61.7x, down from the previous P/E ratio of 72.7x. This compares to an average P/E of 13x in the Consumer Finance industry in South America. Total returns to shareholders over the past three years are 63%.
Valuation Update With 7 Day Price Move • Dec 16Investor sentiment improved over the past weekAfter last week's 35% share price gain to JA$22.97, the stock is trading at a trailing P/E ratio of 72.7x, up from the previous P/E ratio of 53.8x. This compares to an average P/E of 13x in the Consumer Finance industry in South America. Total returns to shareholders over the past three years are 91%.
Valuation Update With 7 Day Price Move • Dec 12Investor sentiment improved over the past weekAfter last week's 35% share price gain to JA$22.97, the stock is trading at a trailing P/E ratio of 72.7x, up from the previous P/E ratio of 53.8x. This compares to an average P/E of 13x in the Consumer Finance industry in South America. Total returns to shareholders over the past three years are 109%.
Valuation Update With 7 Day Price Move • Nov 30Market bids up stock over the past weekAfter last week's 41% share price gain to JA$22.50, the stock is trading at a trailing P/E ratio of 71.2x, up from the previous P/E ratio of 50.7x. This compares to an average P/E of 13x in the Consumer Finance industry in South America. Total returns to shareholders over the past three years are 50%.
Valuation Update With 7 Day Price Move • Nov 24Market pulls back on stock over the past weekAfter last week's 24% share price decline to JA$16.00, the stock is trading at a trailing P/E ratio of 50.7x, down from the previous P/E ratio of 66.5x. This compares to an average P/E of 13x in the Consumer Finance industry in South America. Total returns to shareholders over the past three years were flat.
Valuation Update With 7 Day Price Move • Oct 23Market pulls back on stock over the past weekAfter last week's 38% share price decline to JA$16.01, the stock is trading at a trailing P/E ratio of 68.6x, down from the previous P/E ratio of 111.2x. This compares to an average P/E of 9x in the Consumer Finance industry in South America. Total return to shareholders over the past three years is a loss of 1.2%.
