INTEGRATED SYSTEM CREDIT CON (ISC.MI) Fundamental Analysis & Valuation

BIT:ISC • IT0005474108

Current stock price

0.97 EUR
+0.1 (+11.49%)
Last:

This ISC.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. ISC.MI Profitability Analysis

1.1 Basic Checks

  • ISC had positive earnings in the past year.
  • 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.
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

  • ISC has a better Return On Assets (5.56%) than 78.57% of its industry peers.
  • With a Return On Equity value of 8.67%, ISC perfoms like the industry average, outperforming 59.52% of the companies in the same industry.
  • ISC has a Return On Invested Capital of 6.71%. This is in the better half of the industry: ISC outperforms 64.29% of 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

  • With an excellent Profit Margin value of 151.62%, ISC belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
  • ISC has a Operating Margin of 207.02%. This is amongst the best in the industry. ISC outperforms 100.00% of its industry peers.
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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6

2. ISC.MI Health Analysis

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.
  • Compared to 1 year ago, ISC has an improved debt to assets ratio.
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 1.56. This is a bad value and indicates that ISC is not financially healthy and even has some risk of bankruptcy.
  • ISC has a Altman-Z score (1.56) which is in line with its industry peers.
  • The Debt to FCF ratio of ISC is 15.02, which is on the high side as it means it would take ISC, 15.02 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 15.02, ISC is in line with its industry, outperforming 42.86% of the companies in the same industry.
  • A Debt/Equity ratio of 0.25 indicates that ISC is not too dependend on debt financing.
  • The Debt to Equity ratio of ISC (0.25) is better than 83.33% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 15.02
Altman-Z 1.56
ROIC/WACC1.11
WACC6.02%
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

  • A Current Ratio of 2.76 indicates that ISC has no problem at all paying its short term obligations.
  • The Current ratio of ISC (2.76) is better than 95.24% of its industry peers.
  • 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's Quick ratio of 2.76 is amongst the best of the industry. ISC outperforms 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. ISC.MI Growth Analysis

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%.
  • 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

  • The Earnings Per Share is expected to grow by 53.49% on average over the next years. This is a very strong growth
  • Based on estimates for the next years, ISC will show a quite strong growth in Revenue. The Revenue will grow by 11.47% on average per year.
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

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4

4. ISC.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 12.13, ISC is valued correctly.
  • Based on the Price/Earnings ratio, ISC is valued cheaply inside the industry as 80.95% of the companies are valued more expensively.
  • The average S&P500 Price/Earnings ratio is at 25.96. ISC is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 20.43, ISC is valued on the expensive side.
  • ISC's Price/Forward Earnings ratio is in line with the industry average.
  • When comparing the Price/Forward Earnings ratio of ISC to the average of the S&P500 Index (24.04), we can say ISC is valued inline with the index average.
Industry RankSector Rank
PE 12.13
Fwd PE 20.43
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

  • Based on the Enterprise Value to EBITDA ratio, ISC is valued a bit cheaper than the industry average as 69.05% of the companies are valued more expensively.
  • Based on the Price/Free Cash Flow ratio, ISC is valued a bit more expensive than 61.90% of the companies in the same industry.
Industry RankSector Rank
P/FCF 43.22
EV/EBITDA 6.43
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%

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

0

5. ISC.MI Dividend Analysis

5.1 Amount

  • ISC does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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ISC.MI Fundamentals: All Metrics, Ratios and Statistics

INTEGRATED SYSTEM CREDIT CON

BIT:ISC (3/13/2026, 7:00:00 PM)

0.97

+0.1 (+11.49%)

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 Cap12.51M
Revenue(TTM)687.00K
Net Income(TTM)1.04M
Analysts84
Price Target2.04 (110.31%)
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)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 12.13
Fwd PE 20.43
P/S 18.21
P/FCF 43.22
P/OCF 42.07
P/B 1.04
P/tB 1.45
EV/EBITDA 6.43
EPS(TTM)0.08
EY8.25%
EPS(NY)0.05
Fwd EY4.89%
FCF(TTM)0.02
FCFY2.31%
OCF(TTM)0.02
OCFY2.38%
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 1.56
F-Score6
WACC6.02%
ROIC/WACC1.11
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 Fundamental Analysis 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 12.13 and the Price/Book (PB) ratio is 1.04.