ISC Fundamental Analysis - INTEGRATED SYSTEM CREDIT CON

Fundamental Rating

Overall ISC gets a fundamental rating of 4 out of 10. We evaluated ISC against 41 industry peers in the Commercial Services & Supplies industry. While ISC seems to be doing ok healthwise, there are quite some concerns on its profitability. ISC has a decent growth rate and is not valued too expensively.

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1. Profitability

1.1 Basic Checks

ISC had positive earnings in the past year.

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.

1.2 Ratios

The Return On Assets of ISC (5.56%) is better than 75.61% of its industry peers.

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

The Return On Invested Capital of ISC (6.71%) 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 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 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

ISC has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.

Compared to 1 year ago, ISC has about the same amount of shares outstanding.

The debt/assets ratio for ISC has been reduced compared to a year ago.

2.2 Solvency

ISC has an Altman-Z score of 1.76. 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 1.76, ISC perfoms like the industry average, outperforming 53.66% 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.

The Debt to FCF ratio of ISC (15.02) 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 78.05% of its industry peers.

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

ROIC/WACC1.06

WACC6.32%

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.

The Current ratio of ISC (2.76) is better than 90.24% 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.

With an excellent Quick ratio value of 2.76, ISC belongs to the best of the industry, outperforming 92.68% of the companies in the same industry.

		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

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.

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

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 14.25, which indicates a correct valuation of ISC.

Compared to the rest of the industry, the Price/Earnings ratio of ISC indicates a somewhat cheap valuation: ISC is cheaper than 70.73% of the companies listed in the same industry.

ISC's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.77.

With a Price/Forward Earnings ratio of 8.55, 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 92.68% of the companies are valued more expensively.

ISC is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.23, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	14.25
Fwd PE	8.55

4.2 Price Multiples

The rest of the industry has a similar Enterprise Value to EBITDA ratio as ISC.

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

		Industry Rank	Sector Rank
P/FCF	50.8
EV/EBITDA	7.37

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

ISC does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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INTEGRATED SYSTEM CREDIT CON

BIT:ISC (10/16/2025, 7:00:00 PM)

1.14

-0.07 (-5.39%)

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 Owners5.65%

Inst Owner ChangeN/A

Ins Owners60.85%

Ins Owner ChangeN/A

Market Cap14.71M

Revenue(TTM)687.00K

Net Income(TTM)1.04M

Analysts84

Price Target3.16 (177.19%)

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)-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	14.25
Fwd PE	8.55
P/S	21.41
P/FCF	50.8
P/OCF	49.45
P/B	1.22
P/tB	1.7
EV/EBITDA	7.37

EPS(TTM)0.08

EY7.02%

EPS(NY)0.13

Fwd EY11.69%

FCF(TTM)0.02

FCFY1.97%

OCF(TTM)0.02

OCFY2.02%

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	1.76

F-Score6

WACC6.32%

ROIC/WACC1.06

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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

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

More info and screens

5. Dividend

5.1 Amount

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