INTEGRATED SYSTEM CREDIT CON (ISC.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:ISC - IT0005474108 - Common Stock
1.075 EUR
+0.02 (+2.38%)
Taking everything into account, ISC scores 4 out of 10 in our fundamental rating. 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.
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.
ISC had negative earnings in 4 of the past 5 years.
In the past 5 years ISC reported 4 times negative operating cash flow.
1.2 Ratios
The Return On Assets of ISC (5.56%) is better than 80.95% of its industry peers.
With a Return On Equity value of 8.67%, ISC perfoms like the industry average, outperforming 57.14% of the companies in the same industry.
ISC has a Return On Invested Capital (6.71%) which is comparable to the rest of the 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
ISC has a better Profit Margin (151.62%) than 100.00% of its industry peers.
ISC has a better Operating Margin (207.02%) than 100.00% of its industry peers.
| 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
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.
ISC has a better debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 1.68, we must say that ISC is in the distress zone and has some risk of bankruptcy.
ISC has a Altman-Z score (1.68) which is comparable to the rest of the industry.
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.
With a Debt to FCF ratio value of 15.02, ISC perfoms like the industry average, outperforming 42.86% of the companies in the same 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 belongs to the top of the industry, outperforming 83.33% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 15.02 | ||
| Altman-Z | 1.68 |
ROIC/WACC1.09
WACC6.14%
2.3 Liquidity
A Current Ratio of 2.76 indicates that ISC has no problem at all paying its short term obligations.
ISC has a Current ratio of 2.76. This is amongst the best in the industry. ISC outperforms 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 has a Quick ratio of 2.76. This is amongst the best in the industry. ISC outperforms 95.24% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.76 | ||
| Quick Ratio | 2.76 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 130.58% over the past year.
The Revenue has grown by 58.40% in the past year. This is a very strong growth!
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 13.44, which indicates a correct valuation of ISC.
Based on the Price/Earnings ratio, ISC is valued a bit cheaper than 73.81% of the companies in the same industry.
ISC is valuated rather cheaply when we compare the Price/Earnings ratio to 25.98, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 8.06, the valuation of ISC can be described as very reasonable.
Based on the Price/Forward Earnings ratio, ISC is valued cheaply inside the industry as 90.48% of the companies are valued more expensively.
ISC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 35.79.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.44 | ||
| Fwd PE | 8.06 |
4.2 Price Multiples
61.90% of the companies in the same industry are more expensive than ISC, based on the Enterprise Value to EBITDA ratio.
ISC's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 47.9 | ||
| EV/EBITDA | 7.01 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-18.77%
EPS Next 3Y6.28%
5. Dividend
5.1 Amount
No dividends for ISC!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
BIT:ISC (11/20/2025, 7:00:00 PM)
1.075
+0.02 (+2.38%)
Chartmill FA Rating
GICS SectorIndustrials
GICS IndustryGroupCommercial & Professional Services
GICS IndustryCommercial Services & Supplies
Earnings (Last)
Earnings (Next)
Inst Owners5.65%
Inst Owner ChangeN/A
Ins Owners60.85%
Ins Owner ChangeN/A
Market Cap13.87M
Revenue(TTM)687.00K
Net Income(TTM)1.04M
Analysts84
Price Target3.16 (193.95%)
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)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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.44 | ||
| Fwd PE | 8.06 | ||
| P/S | 20.19 | ||
| P/FCF | 47.9 | ||
| P/OCF | 46.63 | ||
| P/B | 1.15 | ||
| P/tB | 1.6 | ||
| EV/EBITDA | 7.01 |
EPS(TTM)0.08
EY7.44%
EPS(NY)0.13
Fwd EY12.4%
FCF(TTM)0.02
FCFY2.09%
OCF(TTM)0.02
OCFY2.14%
SpS0.05
BVpS0.93
TBVpS0.67
PEG (NY)N/A
PEG (5Y)N/A
Graham Number1.29
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
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 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 | 1.68 |
F-Score6
WACC6.14%
ROIC/WACC1.09
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 Year0%
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 FAQ
What is the ChartMill fundamental rating of INTEGRATED SYSTEM CREDIT CON (ISC.MI) stock?
ChartMill assigns a fundamental rating of 4 / 10 to ISC.MI.
What is the valuation status of INTEGRATED SYSTEM CREDIT CON (ISC.MI) stock?
ChartMill assigns a valuation rating of 5 / 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.
What is the valuation of INTEGRATED SYSTEM CREDIT CON based on its PE and PB ratios?
The Price/Earnings (PE) ratio for INTEGRATED SYSTEM CREDIT CON (ISC.MI) is 13.44 and the Price/Book (PB) ratio is 1.15.
What is the financial health of INTEGRATED SYSTEM CREDIT CON (ISC.MI) stock?
The financial health rating of INTEGRATED SYSTEM CREDIT CON (ISC.MI) is 6 / 10.