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

Europe • Euronext Milan • BIT:ISC • IT0005474108

1.055 EUR
-0.02 (-1.4%)
Last: Feb 5, 2026, 07:00 PM
Fundamental Rating

5

ISC gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 42 industry peers in the Commercial Services & Supplies industry. ISC scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. ISC is growing strongly while it is still valued neutral. This is a good combination!


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year ISC was profitable.
  • ISC had a positive operating cash flow in the past year.
  • ISC had negative earnings in 4 of the past 5 years.
  • ISC had negative operating cash flow in 4 of the past 5 years.
ISC.MI Yearly Net Income VS EBIT VS OCF VS FCFISC.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2020 2021 2022 2023 2024 0 -2M -4M -6M

1.2 Ratios

  • With a decent Return On Assets value of 5.56%, ISC is doing good in the industry, outperforming 76.19% of the companies in the same industry.
  • With a Return On Equity value of 8.67%, ISC perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
  • ISC has a Return On Invested Capital (6.71%) which is in line with its industry peers.
Industry RankSector 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
ISC.MI Yearly ROA, ROE, ROICISC.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2020 2021 2022 2023 2024 0 -200 -400 -600 -800

1.3 Margins

  • ISC has a Profit Margin of 151.62%. This is amongst the best in the industry. ISC outperforms 100.00% of its industry peers.
  • Looking at the Operating Margin, with a value of 207.02%, ISC belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
Industry RankSector 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
ISC.MI Yearly Profit, Operating, Gross MarginsISC.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2020 2021 2022 2023 2024 0 -2K -4K -6K

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ROAROEROICOperating and Profit MarginShow most profitable peers

6

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so ISC is still creating some value.
  • ISC has about the same amout of shares outstanding than it did 1 year ago.
  • ISC has a better debt/assets ratio than last year.
ISC.MI Yearly Shares OutstandingISC.MI Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 2024 2M 4M 6M 8M 10M
ISC.MI Yearly Total Debt VS Total AssetsISC.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2020 2021 2022 2023 2024 5M 10M 15M 20M

2.2 Solvency

  • ISC has an Altman-Z score of 1.66. This is a bad value and indicates that ISC is not financially healthy and even has some risk of bankruptcy.
  • With a Altman-Z score value of 1.66, ISC perfoms like the industry average, outperforming 47.62% of the companies in the same industry.
  • 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 (15.02) which is comparable to the rest of the industry.
  • A Debt/Equity ratio of 0.25 indicates that ISC is not too dependend on debt financing.
  • ISC has a better Debt to Equity ratio (0.25) than 80.95% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 15.02
Altman-Z 1.66
ROIC/WACC1.08
WACC6.2%
ISC.MI Yearly LT Debt VS Equity VS FCFISC.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2020 2021 2022 2023 2024 0 5M -5M 10M

2.3 Liquidity

  • ISC has a Current 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 Current ratio (2.76) than 92.86% of its industry peers.
  • A Quick Ratio of 2.76 indicates that ISC has no problem at all paying its short term obligations.
  • ISC has a better Quick ratio (2.76) than 95.24% of its industry peers.
Industry RankSector Rank
Current Ratio 2.76
Quick Ratio 2.76
ISC.MI Yearly Current Assets VS Current LiabilitesISC.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2021 2022 2023 2024 5M 10M 15M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. Growth

3.1 Past

  • ISC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 130.58%, which is quite impressive.
  • Looking at the last year, ISC shows a very strong growth in Revenue. The Revenue has grown by 58.40%.
  • The Revenue has been growing by 68.74% on average over the past years. This is a very strong growth!
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

  • The Earnings Per Share is expected to grow by 53.49% on average over the next years. This is a very strong growth
  • ISC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.47% yearly.
EPS Next Y-41.98%
EPS Next 2Y1.23%
EPS Next 3Y53.49%
EPS Next 5YN/A
Revenue Next Year-11.11%
Revenue Next 2Y-5.72%
Revenue Next 3Y11.47%
Revenue Next 5YN/A

3.3 Evolution

  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
ISC.MI Yearly Revenue VS EstimatesISC.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 5M 10M 15M 20M
ISC.MI Yearly EPS VS EstimatesISC.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2024 2025 2026 2027 0.05 0.1 0.15 0.2 0.25

More info and screens

Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 13.19 indicates a correct valuation of ISC.
  • ISC's Price/Earnings ratio is a bit cheaper when compared to the industry. ISC is cheaper than 76.19% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.92. ISC is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 22.22, ISC is valued on the expensive side.
  • ISC's Price/Forward Earnings is on the same level as the industry average.
  • ISC is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 27.78, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 13.19
Fwd PE 22.22
ISC.MI Price Earnings VS Forward Price EarningsISC.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • ISC's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. ISC is cheaper than 66.67% of the companies in the same industry.
  • ISC's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. ISC is more expensive than 64.29% of the companies in the same industry.
Industry RankSector Rank
P/FCF 47.01
EV/EBITDA 6.9
ISC.MI Per share dataISC.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0.2 0.4 0.6 0.8

4.3 Compensation for Growth

  • ISC's earnings are expected to grow with 53.49% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y1.23%
EPS Next 3Y53.49%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • No dividends for ISC!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

INTEGRATED SYSTEM CREDIT CON

BIT:ISC (2/5/2026, 7:00:00 PM)

1.055

-0.02 (-1.4%)

Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryCommercial Services & Supplies
Earnings (Last)N/A
Earnings (Next)N/A
Inst Owners5.65%
Inst Owner ChangeN/A
Ins Owners60.85%
Ins Owner ChangeN/A
Market Cap13.61M
Revenue(TTM)687.00K
Net Income(TTM)1.04M
Analysts84
Price Target2.04 (93.36%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)-35.48%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-64.39%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-20%
Valuation
Industry RankSector Rank
PE 13.19
Fwd PE 22.22
P/S 19.81
P/FCF 47.01
P/OCF 45.76
P/B 1.13
P/tB 1.57
EV/EBITDA 6.9
EPS(TTM)0.08
EY7.58%
EPS(NY)0.05
Fwd EY4.5%
FCF(TTM)0.02
FCFY2.13%
OCF(TTM)0.02
OCFY2.19%
SpS0.05
BVpS0.93
TBVpS0.67
PEG (NY)N/A
PEG (5Y)N/A
Graham Number1.29
Profitability
Industry RankSector 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
ROICexgc growth 3YN/A
ROICexgc 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 RankSector 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 1.66
F-Score6
WACC6.2%
ROIC/WACC1.08
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-41.98%
EPS Next 2Y1.23%
EPS Next 3Y53.49%
EPS Next 5YN/A
Revenue 1Y (TTM)58.4%
Revenue growth 3Y68.74%
Revenue growth 5YN/A
Sales Q2Q%138.61%
Revenue Next Year-11.11%
Revenue Next 2Y-5.72%
Revenue Next 3Y11.47%
Revenue Next 5YN/A
EBIT growth 1Y142.4%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year100%
EBIT Next 3Y84.03%
EBIT Next 5Y59.7%
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 FAQ

What is the ChartMill fundamental rating of INTEGRATED SYSTEM CREDIT CON (ISC.MI) stock?

ChartMill assigns a fundamental rating of 5 / 10 to ISC.MI.


What is the valuation status for ISC stock?

ChartMill assigns a valuation rating of 4 / 10 to INTEGRATED SYSTEM CREDIT CON (ISC.MI). This can be considered as Fairly Valued.


What is the profitability of ISC stock?

INTEGRATED SYSTEM CREDIT CON (ISC.MI) has a profitability rating of 3 / 10.


Can you provide the PE and PB ratios for ISC stock?

The Price/Earnings (PE) ratio for INTEGRATED SYSTEM CREDIT CON (ISC.MI) is 13.19 and the Price/Book (PB) ratio is 1.13.