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

Europe • Euronext Milan • BIT:ISC • IT0005474108

1.02 EUR
-0.03 (-2.86%)
Last: Feb 3, 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 showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

3

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.
  • 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

  • ISC has a better Return On Assets (5.56%) than 76.19% of its industry peers.
  • ISC has a Return On Equity (8.67%) which is comparable to the rest of the industry.
  • With a Return On Invested Capital value of 6.71%, ISC perfoms like the industry average, outperforming 57.14% of the companies in the same industry.
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.
  • 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 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. 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.
  • The debt/assets ratio for ISC has been reduced compared to a year ago.
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 1.62. 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 (1.62) which is in line with 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 (15.02) which 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.
  • ISC has a Debt to Equity ratio of 0.25. This is amongst the best in the industry. ISC outperforms 80.95% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 15.02
Altman-Z 1.62
ROIC/WACC1.09
WACC6.15%
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.
  • With an excellent Current ratio value of 2.76, ISC belongs to the best of the industry, outperforming 92.86% 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.
  • Looking at the Quick ratio, with a value of 2.76, ISC belongs to the top of the industry, outperforming 95.24% of the companies in the same industry.
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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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.
  • 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

  • ISC is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 53.49% yearly.
  • The Revenue is expected to grow by 11.47% on average over the next years. This is quite good.
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. Valuation

4.1 Price/Earnings Ratio

  • ISC is valuated correctly with a Price/Earnings ratio of 12.75.
  • 73.81% of the companies in the same industry are more expensive than ISC, based on the Price/Earnings ratio.
  • ISC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.18.
  • With a Price/Forward Earnings ratio of 21.49, 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 (25.51), we can say ISC is valued inline with the index average.
Industry RankSector Rank
PE 12.75
Fwd PE 21.49
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

  • 66.67% of the companies in the same industry are more expensive than ISC, based on the Enterprise Value to EBITDA ratio.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of ISC indicates a slightly more expensive valuation: ISC is more expensive than 64.29% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 45.45
EV/EBITDA 6.71
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

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

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0

5. Dividend

5.1 Amount

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

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INTEGRATED SYSTEM CREDIT CON

BIT:ISC (2/3/2026, 7:00:00 PM)

1.02

-0.03 (-2.86%)

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 Cap13.16M
Revenue(TTM)687.00K
Net Income(TTM)1.04M
Analysts84
Price Target2.04 (100%)
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 12.75
Fwd PE 21.49
P/S 19.15
P/FCF 45.45
P/OCF 44.24
P/B 1.1
P/tB 1.52
EV/EBITDA 6.71
EPS(TTM)0.08
EY7.84%
EPS(NY)0.05
Fwd EY4.65%
FCF(TTM)0.02
FCFY2.2%
OCF(TTM)0.02
OCFY2.26%
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 1.62
F-Score6
WACC6.15%
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-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 12.75 and the Price/Book (PB) ratio is 1.1.