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Fundamental analysis ISA.JO (ISA Holdings Limited)

Updated on 10/17/2026

Method and analysis by Lubin Danilo, founder of Lubin Investment. Score computed automatically, with no human opinion.

We analyzed ISA Holdings stock against the 10 quality criteria of Lubin Investment. The company gets a quality score of 8/10, meaning high quality, and a P/FCF valuation multiple of 21.3×.

This is the setup we look for: ISA Holdings passes a large majority of our quality criteria while trading at a low free cash flow multiple. That is exactly the "quality company at the right price" profile, the one worth a closer look.

Sector: Software - Infrastructure. Listing: JO. Current price: 248.00 ZAc.

Lubin scoring methodology

ISA Holdings Limited (ISA.JO)'s score is calculated automatically from 10 objective financial criteria, with no human intervention or opinion. Each criterion is validated (YES / PARTIAL / NO) based on thresholds drawn from the financial literature (Warren Buffett, Michael Mauboussin, Aswath Damodaran). The final score is the sum of validations.

The thresholds come from the financial literature, not from our preferences: see the valuation work of Aswath Damodaran (NYU Stern) and the SEC investor education resources (investor.gov).

The 10 quantitative criteria analyzed

  1. Profitable: net margin > 5%
  2. Growing revenue: revenue growing > 10%/year over 5 years
  3. Growing earnings per share: FCF per share adjusted for stock-based compensation, > 10%/year over 5 years
  4. Share count under control: stable or declining (net buybacks = value creation for shareholders)
  5. Growing revenue per employee: revenue and revenue per employee both grow ≥ 10%/year over 5 years; partial when only one growth driver reaches its tier (fallback: free cash flow margin > 10% when employee history is unavailable)
  6. Expanding margins: operating margin widens over 5 years (operating leverage)
  7. Return on invested capital: Cash ROCE > 15% per year
  8. Debt under control: net debt repayable in less than 3 years of free cash flow
  9. Earnings converted to cash: free cash flow exceeds accounting net income
  10. Net collection period: short or negative cash conversion cycle

Its price against peers

Against the 5 other Software Infrastructure stocks we have scored, ISA Holdings trades at 21.3× its free cash flow, versus a median of 27.5× for that basket. On price alone, ISA Holdings is therefore cheaper than its peers. That says nothing about its quality: at Lubin Investment, quality and price are judged separately, and a low multiple is only a bargain if the quality holds up.

Frequently asked questions

Is ISA Holdings a quality stock?

ISA Holdings gets a quality score of 8/10 (high quality), calculated over the 10 Lubin Investment criteria: profitability, revenue and free cash flow growth, share buybacks, margins, debt and return on capital.

How is ISA Holdings's score calculated?

The score is the total of validated criteria (YES / PARTIAL / NO) using thresholds drawn from the financial literature (Warren Buffett, Mauboussin, Aswath Damodaran), automatically and with no human opinion.

What is ISA Holdings's P/FCF?

The price-to-free-cash-flow (P/FCF) multiple of ISA Holdings stock is 21.3×. At Lubin Investment, valuation is judged separately from quality.

Where to see ISA Holdings's full analysis?

The full interactive analysis (10-criteria detail, history, P/FCF valuation, sector comparisons) is available at https://lubin-investment.com/analyse/ISA.JO?lng=en.

Other stocks in the Software Infrastructure sector

Go further

👉 See the full interactive analysis of ISA.JO

Other resources : All stocks in the Software Infrastructure sector.