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. The financial health of ISC is average, but there are quite some concerns on its profitability. ISC has a correct valuation and a medium growth rate.

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1. Profitability

1.1 Basic Checks

In the past year ISC was profitable.

In the past year ISC had a positive cash flow from operations.

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

In the past 5 years ISC reported 4 times negative operating cash flow.

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.

The Return On Equity of ISC (8.67%) is comparable to the rest of the industry.

With a decent Return On Invested Capital value of 6.71%, ISC is doing good in the industry, outperforming 66.67% of the companies in the same industry.

		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

Looking at the Profit Margin, with a value of 151.62%, ISC belongs to the top of the industry, outperforming 97.62% of the companies in the same industry.

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

With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), ISC is 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.

2.2 Solvency

Based on the Altman-Z score of 1.76, we must say that ISC is in the distress zone and has some risk of bankruptcy.

ISC has a Altman-Z score of 1.76. This is comparable to the rest of the industry: ISC outperforms 59.52% 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.

The Debt to FCF ratio of ISC (15.02) is comparable to the rest of the industry.

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

Looking at the Debt to Equity ratio, with a value of 0.25, ISC is in the better half of the industry, outperforming 78.57% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.25
Debt/FCF	15.02
Altman-Z	1.76

ROIC/WACC1.07

WACC6.28%

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.

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.

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

ISC's Quick ratio of 2.76 is amongst the best of the industry. ISC outperforms 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

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.

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

ISC shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 68.74% yearly.

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 6.28% on average over the next years.

Based on estimates for the next years, ISC will show a small growth in Revenue. The Revenue will grow by 7.62% on average per year.

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

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 14.31, ISC is valued correctly.

78.57% of the companies in the same industry are more expensive than ISC, based on the Price/Earnings ratio.

When comparing the Price/Earnings ratio of ISC to the average of the S&P500 Index (27.03), we can say ISC is valued slightly cheaper.

Based on the Price/Forward Earnings ratio of 8.59, the valuation of ISC can be described as reasonable.

Based on the Price/Forward Earnings ratio, ISC is valued cheaper than 90.48% of the companies in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.63, ISC is valued rather cheaply.

		Industry Rank	Sector Rank
PE	14.31
Fwd PE	8.59

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, ISC is valued a bit cheaper than the industry average as 61.90% of the companies are valued more expensively.

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

		Industry Rank	Sector Rank
P/FCF	51.02
EV/EBITDA	7.4

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

No dividends for ISC!.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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INTEGRATED SYSTEM CREDIT CON

BIT:ISC (9/4/2025, 7:00:00 PM)

1.145

-0.05 (-4.58%)

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 Cap14.77M

Analysts84

Price Target3.16 (175.98%)

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)-43.89%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)-43.35%

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	14.31
Fwd PE	8.59
P/S	21.5
P/FCF	51.02
P/OCF	49.67
P/B	1.23
P/tB	1.71
EV/EBITDA	7.4

EPS(TTM)0.08

EY6.99%

EPS(NY)0.13

Fwd EY11.64%

FCF(TTM)0.02

FCFY1.96%

OCF(TTM)0.02

OCFY2.01%

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	1.76

F-Score6

WACC6.28%

ROIC/WACC1.07

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

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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

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5. Dividend

5.1 Amount

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