ISC Fundamental Analysis - INTEGRATED SYSTEM CREDIT CON

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to ISC. ISC was compared to 42 industry peers in the Commercial Services & Supplies industry. While ISC seems to be doing ok healthwise, there are quite some concerns on its profitability. ISC has a decent growth rate and is not valued too expensively.

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1. Profitability

1.1 Basic Checks

In the past year ISC was profitable.

ISC had a positive operating cash flow in the past year.

In the past 5 years ISC reported 4 times negative net income.

ISC had negative operating cash flow in 4 of the past 5 years.

1.2 Ratios

ISC's Return On Assets of 5.56% is fine compared to the rest of the industry. ISC outperforms 78.57% of its industry peers.

ISC's Return On Equity of 8.67% is in line compared to the rest of the industry. ISC outperforms 57.14% of its industry peers.

ISC's Return On Invested Capital of 6.71% is fine compared to the rest of the industry. ISC outperforms 64.29% of its industry peers.

		Industry Rank	Sector Rank
ROA	5.56%
ROE	8.67%
ROIC	6.71%

ROA(3y)-4.52%

ROA(5y)-4.42%

ROE(3y)-7.6%

ROE(5y)-185.04%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

ISC has a Profit Margin of 151.62%. This is amongst the best in the industry. ISC outperforms 97.62% of its industry peers.

With an excellent Operating Margin value of 207.02%, ISC belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.

		Industry Rank	Sector Rank
OM	207.02%
PM (TTM)	151.62%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

ISC has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.

The number of shares outstanding for ISC remains at a similar level compared to 1 year ago.

Compared to 1 year ago, ISC has an improved debt to assets ratio.

2.2 Solvency

ISC has an Altman-Z score of 1.89. This is not the best score and indicates that ISC is in the grey zone with still only limited risk for bankruptcy at the moment.

ISC's Altman-Z score of 1.89 is in line compared to the rest of the industry. ISC outperforms 57.14% of its industry peers.

ISC has a debt to FCF ratio of 15.02. This is a negative value and a sign of low solvency as ISC would need 15.02 years to pay back of all of its debts.

ISC has a Debt to FCF ratio of 15.02. This is comparable to the rest of the industry: ISC outperforms 42.86% of its industry peers.

ISC has a Debt/Equity ratio of 0.25. This is a healthy value indicating a solid balance between debt and equity.

ISC has a better Debt to Equity ratio (0.25) than 78.57% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.25
Debt/FCF	15.02
Altman-Z	1.89

ROIC/WACC1.04

WACC6.44%

2.3 Liquidity

A Current Ratio of 2.76 indicates that ISC has no problem at all paying its short term obligations.

With an excellent Current ratio value of 2.76, ISC belongs to the best of the industry, outperforming 90.48% of the companies in the same industry.

ISC has a Quick Ratio of 2.76. This indicates that ISC is financially healthy and has no problem in meeting its short term obligations.

ISC has a better Quick ratio (2.76) than 92.86% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	2.76
Quick Ratio	2.76

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 130.58% over the past year.

ISC shows a strong growth in Revenue. In the last year, the Revenue has grown by 58.40%.

Measured over the past years, ISC shows a very strong growth in Revenue. The Revenue has been growing by 68.74% on average per year.

EPS 1Y (TTM)130.58%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%111.35%

Revenue 1Y (TTM)58.4%

Revenue growth 3Y68.74%

Revenue growth 5YN/A

Sales Q2Q%138.61%

3.2 Future

Based on estimates for the next years, ISC will show a small growth in Earnings Per Share. The EPS will grow by 6.28% on average per year.

ISC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.62% yearly.

EPS Next Y-45.9%

EPS Next 2Y-18.77%

EPS Next 3Y6.28%

EPS Next 5YN/A

Revenue Next Year0%

Revenue Next 2Y4.88%

Revenue Next 3Y7.62%

Revenue Next 5YN/A

3.3 Evolution

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 15.75, which indicates a correct valuation of ISC.

Based on the Price/Earnings ratio, ISC is valued a bit cheaper than 71.43% of the companies in the same industry.

ISC's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.06.

A Price/Forward Earnings ratio of 9.45 indicates a reasonable valuation of ISC.

ISC's Price/Forward Earnings ratio is rather cheap when compared to the industry. ISC is cheaper than 83.33% of the companies in the same industry.

ISC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.64.

		Industry Rank	Sector Rank
PE	15.75
Fwd PE	9.45

4.2 Price Multiples

ISC's Enterprise Value to EBITDA is on the same level as the industry average.

The rest of the industry has a similar Price/Free Cash Flow ratio as ISC.

		Industry Rank	Sector Rank
P/FCF	56.14
EV/EBITDA	8.04

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y-18.77%

EPS Next 3Y6.28%

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5. Dividend

5.1 Amount

ISC does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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INTEGRATED SYSTEM CREDIT CON

BIT:ISC (9/22/2025, 7:00:00 PM)

1.26

+0.19 (+17.76%)

Chartmill FA Rating

GICS SectorIndustrials

GICS IndustryGroupCommercial & Professional Services

GICS IndustryCommercial Services & Supplies

Earnings (Last)N/A N/A

Earnings (Next)N/A N/A

Inst Owners5.67%

Inst Owner ChangeN/A

Ins Owners60.85%

Ins Owner ChangeN/A

Market Cap16.25M

Analysts84

Price Target3.16 (150.79%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	N/A

Yearly DividendN/A

Dividend Growth(5Y)N/A

DPN/A

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)N/A

Avg Revenue beat(2)N/A

Min Revenue beat(2)N/A

Max Revenue beat(2)N/A

Revenue beat(4)N/A

Avg Revenue beat(4)N/A

Min Revenue beat(4)N/A

Max Revenue beat(4)N/A

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)0%

PT rev (3m)0%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)0%

EPS NY rev (3m)-43.35%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0%

Revenue NY rev (3m)0%

Valuation

		Industry Rank	Sector Rank
PE	15.75
Fwd PE	9.45
P/S	23.66
P/FCF	56.14
P/OCF	54.65
P/B	1.35
P/tB	1.88
EV/EBITDA	8.04

EPS(TTM)0.08

EY6.35%

EPS(NY)0.13

Fwd EY10.58%

FCF(TTM)0.02

FCFY1.78%

OCF(TTM)0.02

OCFY1.83%

SpS0.05

BVpS0.93

TBVpS0.67

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	5.56%
ROE	8.67%
ROCE	9.07%
ROIC	6.71%
ROICexc	7.65%
ROICexgc	10.13%
OM	207.02%
PM (TTM)	151.62%
GM	N/A
FCFM	42.14%

ROA(3y)-4.52%

ROA(5y)-4.42%

ROE(3y)-7.6%

ROE(5y)-185.04%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.25
Debt/FCF	15.02
Debt/EBITDA	1.28
Cap/Depr	0.88%
Cap/Sales	1.15%
Interest Coverage	169.31
Cash Conversion	12.81%
Profit Quality	27.79%
Current Ratio	2.76
Quick Ratio	2.76
Altman-Z	1.89

F-Score6

WACC6.44%

ROIC/WACC1.04

Cap/Depr(3y)3.49%

Cap/Depr(5y)35.58%

Cap/Sales(3y)28.54%

Cap/Sales(5y)17.79%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)130.58%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%111.35%

EPS Next Y-45.9%

EPS Next 2Y-18.77%

EPS Next 3Y6.28%

EPS Next 5YN/A

Revenue 1Y (TTM)58.4%

Revenue growth 3Y68.74%

Revenue growth 5YN/A

Sales Q2Q%138.61%

Revenue Next Year0%

Revenue Next 2Y4.88%

Revenue Next 3Y7.62%

Revenue Next 5YN/A

EBIT growth 1Y142.4%

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next Year66.67%

EBIT Next 3Y27.6%

EBIT Next 5Y28.2%

FCF growth 1Y108.43%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y108.81%

OCF growth 3YN/A

OCF growth 5YN/A

INTEGRATED SYSTEM CREDIT CON (ISC.MI) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

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