INTEGRATED SYSTEM CREDIT CON (ISC.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:ISC - IT0005474108 - Common Stock
1.07 EUR
0 (-0.47%)
ISC gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 43 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 is valued quite expensively, but it does show have an excellent growth rating.
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.
In the past 5 years ISC reported 4 times negative operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 5.56%, ISC is in the better half of the industry, outperforming 78.57% of the companies in the same industry.
Looking at the Return On Equity, with a value of 8.67%, ISC is in line with its industry, outperforming 54.76% of the companies in the same 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 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's Operating Margin of 207.02% is amongst the best of the industry. ISC outperforms 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
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so ISC is still 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.
2.2 Solvency
Based on the Altman-Z score of 1.69, we must say that ISC is in the distress zone and has some risk of bankruptcy.
ISC has a Altman-Z score (1.69) 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.
ISC has a Debt to FCF ratio (15.02) which is in line with its industry peers.
A Debt/Equity ratio of 0.25 indicates that ISC is not too dependend on debt financing.
ISC's Debt to Equity ratio of 0.25 is amongst the best of the industry. ISC outperforms 85.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.25 | ||
| Debt/FCF | 15.02 | ||
| Altman-Z | 1.69 |
ROIC/WACC1.09
WACC6.15%
2.3 Liquidity
A Current Ratio of 2.76 indicates that ISC has no problem at all paying its short term obligations.
With an excellent Current ratio value of 2.76, ISC belongs to the best of the industry, outperforming 95.24% 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.
ISC has a better Quick ratio (2.76) than 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!
ISC shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 68.74% yearly.
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
ISC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.47% yearly.
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
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 13.38, which indicates a correct valuation of ISC.
73.81% of the companies in the same industry are more expensive than ISC, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of ISC to the average of the S&P500 Index (26.38), we can say ISC is valued slightly cheaper.
Based on the Price/Forward Earnings ratio of 22.54, the valuation of ISC can be described as rather expensive.
ISC's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 23.83. ISC is around the same levels.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.38 | ||
| Fwd PE | 22.54 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, ISC is valued a bit cheaper than the industry average as 64.29% 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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 47.68 | ||
| EV/EBITDA | 7.04 |
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%
5. Dividend
5.1 Amount
ISC does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
BIT:ISC (12/17/2025, 7:00:00 PM)
1.07
0 (-0.47%)
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 Cap13.80M
Revenue(TTM)687.00K
Net Income(TTM)1.04M
Analysts84
Price Target2.04 (90.65%)
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)-35.48%
PT rev (3m)-35.48%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-64.39%
EPS NY rev (3m)-64.39%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-20%
Revenue NY rev (3m)-20%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.38 | ||
| Fwd PE | 22.54 | ||
| P/S | 20.09 | ||
| P/FCF | 47.68 | ||
| P/OCF | 46.41 | ||
| P/B | 1.15 | ||
| P/tB | 1.6 | ||
| EV/EBITDA | 7.04 |
EPS(TTM)0.08
EY7.48%
EPS(NY)0.05
Fwd EY4.44%
FCF(TTM)0.02
FCFY2.1%
OCF(TTM)0.02
OCFY2.15%
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 | 1.69 |
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 4 / 10 to ISC.MI.
What is the valuation status of INTEGRATED SYSTEM CREDIT CON (ISC.MI) 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.
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 13.38 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.