ISC Fundamental Analysis - INTEGRATED SYSTEM CREDIT CON

Fundamental Rating

Taking everything into account, ISC scores 4 out of 10 in our fundamental rating. ISC was compared to 41 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 is not valued too expensively and it also shows a decent growth rate.

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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

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

ISC's Return On Equity of 8.67% is in line compared to the rest of the industry. ISC outperforms 53.66% of its industry peers.

ISC has a Return On Invested Capital (6.71%) which is in line with its industry peers.

		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

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 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.

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

Compared to 1 year ago, ISC has an improved debt to assets ratio.

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.

Looking at the Altman-Z score, with a value of 1.76, ISC is in line with its industry, outperforming 53.66% of the companies in the same 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.

ISC has a Debt to FCF ratio (15.02) which is in line with its industry peers.

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 in the better half of the industry: ISC outperforms 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.

Looking at the Current ratio, with a value of 2.76, ISC belongs to the top of the industry, outperforming 90.24% 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 92.68% 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.

Looking at the last year, ISC shows a very strong growth in Revenue. The Revenue has grown by 58.40%.

The Revenue has been growing by 68.74% on average over the past years. This is a very strong growth!

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

Based on the Price/Earnings ratio of 14.25, the valuation of ISC can be described as correct.

ISC's Price/Earnings ratio is a bit cheaper when compared to the industry. ISC is cheaper than 70.73% of the companies in the same industry.

ISC's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.57.

A Price/Forward Earnings ratio of 8.55 indicates a reasonable valuation of ISC.

92.68% of the companies in the same industry are more expensive than ISC, based on the Price/Forward Earnings ratio.

ISC is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.09, 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

ISC's Enterprise Value to EBITDA is on the same level as the industry average.

ISC's Price/Free Cash Flow ratio is in line with the industry average.

		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

No dividends for ISC!.

		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

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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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