New Risk • 3h
New minor risk - Earnings quality The company has large one-off items impacting its financial results. One-off items were 79% of the size of the rest of the company's trailing 12-month earnings before tax. This is considered a minor risk. One-off items are incomes or expenses that the company does not expect to repeat in future periods. Examples include profits from the sale of a business or expenses from a restructuring or legal settlements. If the company's reported statutory earnings include a large proportion of one-off items it means they may be an unreliable indicator of its true business performance as the earnings were skewed by these incomes or expenses. Currently, the following risks have been identified for the company: Major Risks Earnings have declined by 13% per year over the past 5 years. Market cap is less than US$10m (JA$735.0m market cap, or US$4.65m). Minor Risks High level of debt (81% net debt to equity). Share price has been volatile over the past 3 months (17% average weekly change). Large one-off items impacting financial results. Profit margins are more than 30% lower than last year (0.07% net profit margin). Revenue is less than US$5m (JA$228m revenue, or US$1.4m). New Risk • Aug 11
New major risk - Share price stability The company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of Jamaican stocks, typically moving 18% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. 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 (18% average weekly change). Earnings have declined by 8.6% per year over the past 5 years. Market cap is less than US$10m (JA$787.5m market cap, or US$4.99m). Minor Risks Profit margins are more than 30% lower than last year (13% net profit margin). Revenue is less than US$5m (JA$209m revenue, or US$1.3m). Valuation Update With 7 Day Price Move • Jun 15
Investor 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. Announcement • May 27
ISP Finance Services Limited, Annual General Meeting, Jun 16, 2026 ISP Finance Services Limited, Annual General Meeting, Jun 16, 2026. Valuation Update With 7 Day Price Move • May 22
Investor 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 21
Insufficient new directors No 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. Announcement • Feb 20
ISP Finance Services Limited, Annual General Meeting, Feb 20, 2025 ISP Finance Services Limited, Annual General Meeting, Feb 20, 2025. Valuation Update With 7 Day Price Move • Nov 15
Investor 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. Announcement • Nov 12
ISP Finance Services Limited, Annual General Meeting, Nov 21, 2024 ISP Finance Services Limited, Annual General Meeting, Nov 21, 2024. Location: altamont court hotel, kingston, Jamaica Valuation Update With 7 Day Price Move • Oct 29
Investor 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 08
Investor 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 19
Investor 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 30
Investor 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. Announcement • Jul 18
ISP Finance Services Limited to Report Fiscal Year 2023 Final Results on Aug 31, 2024 ISP 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 11
Investor 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 21
Investor 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 09
New major risk - Earnings quality The 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 09
Investor 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 30
Investor 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. Announcement • Jan 22
ISP Finance Services Limited, Annual General Meeting, Feb 28, 2024 ISP 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 11
Investor 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 27
Investor 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 12
Investor 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 23
Investor 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 03
Investor 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 14
Investor 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 01
Insufficient new directors No 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 19
New major risk - Earnings quality The 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 09
Investor 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 10
Investor 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 07
Investor 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 01
Investor 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 02
Investor 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 18
Investor 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 24
Investor 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 16
Investor sentiment improved over the past week After 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 15
Investor sentiment improved over the past week After 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 25
Investor sentiment deteriorated over the past week After 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 21
Investor sentiment deteriorated over the past week After 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 02
Investor sentiment deteriorated over the past week After 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 17
Investor sentiment improved over the past week After 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 13
Investor sentiment improved over the past week After 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 29
Investor sentiment deteriorated over the past week After 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 05
Investor sentiment deteriorated over the past week After 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 10
Investor sentiment deteriorated over the past week After 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 19
Investor sentiment deteriorated over the past week After 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 04
Investor sentiment deteriorated over the past week After 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 20
Investor sentiment deteriorated over the past week After 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 17
Investor sentiment deteriorated over the past week After 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 27
Investor sentiment improved over the past week After 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 09
Investor sentiment improved over the past week After 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 17
Investor sentiment improved over the past week After 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 02
Investor sentiment deteriorated over the past week After 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 13
Investor sentiment improved over the past week After 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 26
Investor sentiment improved over the past week After 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 09
Investor sentiment deteriorated over the past week After 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 06
Investor sentiment improved over the past week After 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 11
Investor sentiment deteriorated over the past week After 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 19
Full 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 18
Investor sentiment improved over the past week After 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 23
Investor sentiment deteriorated over the past week After 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 16
Investor sentiment improved over the past week After 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 12
Investor sentiment improved over the past week After 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 30
Market bids up stock over the past week After 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 24
Market pulls back on stock over the past week After 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 23
Market pulls back on stock over the past week After 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%.