View ValuationISP Finance Services 将来の成長Future 基準チェック /06現在、 ISP Finance Servicesの成長と収益を予測するのに十分なアナリストの調査がありません。主要情報n/a収益成長率n/aEPS成長率Consumer Finance 収益成長18.3%収益成長率n/a将来の株主資本利益率n/aアナリストカバレッジNone最終更新日n/a今後の成長に関する最新情報更新なしすべての更新を表示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%. このセクションでは通常、投資家が会社の利益創出能力を理解する一助となるよう、プロのアナリストのコンセンサス予想に基づく収益と利益の成長予測を提示する。しかし、ISP Finance Services は十分な過去のデータを提供しておらず、アナリストの予測もないため、過去のデータを外挿したり、アナリストの予測を使用しても、その将来の収益を確実に算出することはできません。 シンプリー・ウォール・ストリートがカバーする企業の97%は過去の財務データを持っているため、これはかなり稀な状況です。 業績と収益の成長予測JMSE:ISP - アナリストの将来予測と過去の財務データ ( )JMD Millions日付収益収益フリー・キャッシュフロー営業活動によるキャッシュ平均アナリスト数3/31/202620928-28-17N/A12/31/2025235171828N/A9/30/202519931-26-15N/A6/30/202521232010N/A3/31/202524648922N/A12/31/2024272562235N/A9/30/2024318888392N/A6/30/2024346993440N/A3/31/202433882-86-84N/A12/31/202332367-184-182N/A9/30/202330243-259-257N/A6/30/202328644-230-226N/A3/31/202329554-79-74N/A12/31/202229957511N/A9/30/2022285494449N/A6/30/2022292474448N/A3/31/2022291516669N/A12/31/2021286543638N/A9/30/2021301682427N/A6/30/202128367-81N/A3/31/202127368716N/A12/31/20202756509N/A9/30/202023733615N/A6/30/2020244242831N/A3/31/202024117-20-17N/A12/31/201924223N/A-12N/A9/30/201928458N/A-48N/A6/30/201926453N/A-51N/A3/31/201925750N/A-69N/A12/31/201824444N/A-69N/A9/30/201823746N/A-3N/A6/30/201824151N/A-65N/A3/31/201823951N/A-53N/A12/31/201723750N/A-41N/A9/30/201723548N/A-122N/A6/30/201723050N/A-64N/A3/31/201721452N/A-46N/A12/31/201620340N/A-56N/A9/30/201617538N/A5N/A6/30/201616433N/A17N/A3/31/201616025N/A11N/A12/31/201515327N/A-3N/Aもっと見るアナリストによる今後の成長予測収入対貯蓄率: ISPの予測収益成長が 貯蓄率 ( 8.9% ) を上回っているかどうかを判断するにはデータが不十分です。収益対市場: ISPの収益がJM市場よりも速く成長すると予測されるかどうかを判断するにはデータが不十分です高成長収益: ISPの収益が今後 3 年間で 大幅に 増加すると予想されるかどうかを判断するにはデータが不十分です。収益対市場: ISPの収益がJM市場よりも速く成長すると予測されるかどうかを判断するにはデータが不十分です。高い収益成長: ISPの収益が年間20%よりも速く成長すると予測されるかどうかを判断するにはデータが不十分です。一株当たり利益成長率予想将来の株主資本利益率将来のROE: ISPの 自己資本利益率 が 3 年後に高くなると予測されるかどうかを判断するにはデータが不十分です成長企業の発掘7D1Y7D1Y7D1YDiversified-financials 業界の高成長企業。View Past Performance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2026/07/20 05:25終値2026/07/17 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、レポートの活用方法に関するガイドやYouTubeのチュートリアルも用意しています。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.
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%.