ISLAMICFIN Islamic Finance & Investment Ltd.
Financial Institutions
Tk 9.6 as of 2026-11-12 14:00:00
Rank 366 of all scored
Data completeness 100%
Data completeness 100%
Score breakdown
Consistency 26
Profitability 25
Solvency 17
Valuation 3
Weights: consistency 30%, profitability 30%, solvency 20%, valuation 20%; then risk flags add or subtract points. Full method
Why this score
Concerns
- Consistency EPS rose in only 1 of 4 years (erratic or cyclical)
- Consistency Net loss in 2 of the last 5 years
- Profitability Average ROE only -43.39% (below 9%: capital not working hard)
- Profitability Net profit shrinking 26.26% a year
- Valuation P/E 24.62 is high (above 12)
- Valuation Trades at 43.64x book value (NAV Tk 0.22, price Tk 9.6)
- Valuation Price is 591% above the Graham fair value (Tk 1.4)
Notes
- Solvency Bank/insurer: NPL and capital-adequacy are not in the data, so solvency is estimated from earnings stability
Risk flags
- Category Z (poor/defaulting: gambling favourite, avoid for long-term)
- Small cap (< Tk 200 cr): most exposed to manipulation and volatility
- Thin trading (last day ~Tk 0.10 cr)
Valuation
P/E
P/E audited
P/E current
P/B
NAV per share
EPS (last audited year)
Graham fair value
Margin of safety
52-week range
81.1% above the low, 23.8% below the high. Near the low is only interesting if profit is intact (see concerns above) and the fall has a temporary cause.
Quality and growth
ROE
ROE avg
ROE min
Profit CAGR
Profit YoY
Net profit
EPS up
Loss years (last ~5)
Dividends and safety
Div years
Dividend yield
Payout
Cash div
D/E
Their loans are deposits; NPL data is not available
Loans/MCap
Size, liquidity and ownership
MCap
Free float
Daily turnover
Sponsor %
Inst. %
Public %
Foreign %
Shareholding
- Sponsor/director 30.8%
- Institution 22.8%
- Public 46.4%
Audited history
| Year | EPS (Tk) | NAV/share | Net profit (cr) | Cash div % | Bonus % |
|---|---|---|---|---|---|
| 2021 | 1.32 | 15.31 | 19 | 10.5 | 0 |
| 2022 | 0.3 | 14.56 | 4 | 5 | 0 |
| 2023 | -1.64 | 12.42 | -23 | — | — |
| 2024 | -12.22 | 0.2 | -172 | — | — |
| 2025 | 0.39 | 2.38 | 5 | — | — |
Fiscal year ends December. EPS, NAV and profit are as audited by the company and published by DSE. Financials last fetched: 14/11/2026.
Shariah screen (partial)
Business screen and the debt ratio (loans / market cap 12.1%, limit 33%) are automated. Interest income (under 5% of revenue) and cash/investment ratios must be checked in the annual report.
Educational, not investment advice. Verify on DSE and StockNow before making any decision.