INTEGRATED SYSTEM CREDIT CON (ISC.MI) Fundamental Analysis & Valuation

BIT:ISC • IT0005474108

0.96 EUR
+0.06 (+7.14%)
Last: Feb 26, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership

This ISC.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to ISC. ISC was compared to 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 is not priced too expensively while it is growing strongly. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

3

1. ISC.MI Profitability Analysis

1.1 Basic Checks

  • ISC had positive earnings in the past year.
  • 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 73.17% of its industry peers.
  • ISC has a Return On Equity (8.67%) which is in line with its industry peers.
  • ISC has a Return On Invested Capital of 6.71%. This is comparable to the rest of the industry: ISC outperforms 56.10% of its industry peers.
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

  • 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 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. ISC.MI Health Analysis

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 1.55. This is a bad value and indicates that ISC is not financially healthy and even has some risk of bankruptcy.
  • ISC's Altman-Z score of 1.55 is in line compared to the rest of the industry. ISC outperforms 43.90% of 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.
  • 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.
  • Looking at the Debt to Equity ratio, with a value of 0.25, ISC belongs to the top of the industry, outperforming 82.93% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF 15.02
Altman-Z 1.55
ROIC/WACC1.12
WACC6.01%
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

  • A Current Ratio of 2.76 indicates that ISC has no problem at all paying its short term obligations.
  • The Current ratio of ISC (2.76) is better than 95.12% 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 95.12% of its industry peers.
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

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. ISC.MI Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 130.58% over the past year.
  • Looking at the last year, ISC shows a very strong growth in Revenue. The Revenue has grown by 58.40%.
  • 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.
  • 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.
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. ISC.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 12.00, the valuation of ISC can be described as correct.
  • Based on the Price/Earnings ratio, ISC is valued a bit cheaper than 75.61% of the companies in the same industry.
  • ISC is valuated cheaply when we compare the Price/Earnings ratio to 27.03, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 20.22, which indicates a rather expensive current valuation of ISC.
  • The rest of the industry has a similar Price/Forward Earnings ratio as ISC.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 25.11, ISC is valued at the same level.
Industry RankSector Rank
PE 12
Fwd PE 20.22
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

  • ISC's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. ISC is cheaper than 68.29% of the companies in the same industry.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as ISC.
Industry RankSector Rank
P/FCF 42.78
EV/EBITDA 6.37
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

  • 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%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. ISC.MI Dividend Analysis

5.1 Amount

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

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Find the best dividend stocksShow peers with best dividend

ISC.MI Fundamentals: All Metrics, Ratios and Statistics

INTEGRATED SYSTEM CREDIT CON

BIT:ISC (2/26/2026, 7:00:00 PM)

0.96

+0.06 (+7.14%)

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 Cap12.38M
Revenue(TTM)687.00K
Net Income(TTM)1.04M
Analysts84
Price Target2.04 (112.5%)
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
Fwd PE 20.22
P/S 18.03
P/FCF 42.78
P/OCF 41.64
P/B 1.03
P/tB 1.43
EV/EBITDA 6.37
EPS(TTM)0.08
EY8.33%
EPS(NY)0.05
Fwd EY4.94%
FCF(TTM)0.02
FCFY2.34%
OCF(TTM)0.02
OCFY2.4%
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 1.55
F-Score6
WACC6.01%
ROIC/WACC1.12
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 and the Price/Book (PB) ratio is 1.03.