I

Integrated System Credit Consulting Fintech SpA
MIL:ISC

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Integrated System Credit Consulting Fintech SpA
MIL:ISC
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Price: 2.24 EUR 1.82% Market Closed
Market Cap: 28.9m EUR
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Relative Value

The Relative Value of one ISC stock under the Base Case scenario is 3.48 EUR. Compared to the current market price of 2.24 EUR, Integrated System Credit Consulting Fintech SpA is Undervalued by 36%.

Relative Value is the estimated value of a stock based on various valuation multiples like P/E and EV/EBIT ratios. It offers a quick snapshot of a stock's valuation in relation to its peers and historical norms.

ISC Relative Value
Base Case
3.48 EUR
Undervaluation 36%
Relative Value
Price
I
Worst Case
Base Case
Best Case

Valuation Multiples

65.7
P/S
P/S
Price to Sales
65.7
vs History
91
vs Industry
1
Median 3Y
174.8
Median 5Y
174.8
Industry
1.2
Forward
2.9
More Details
Negative
P/E
P/E
Price to Earnings
N/A
vs History
vs Industry
Median 3Y
-64.3
Median 5Y
-64.3
Industry
16.1
Forward
9.1
More Details
Negative
P/OCF
P/OCF
Price to OCF
N/A
vs History
vs Industry
Median 3Y
-62.5
Median 5Y
-62.5
Industry
9.6
More Details
Negative
P/FCFE
P/FCFE
Price to FCFE
N/A
vs History
vs Industry
Median 3Y
-52.8
Median 5Y
-52.8
Industry
15.9
More Details
2.5
P/B
P/B
Price to Book Value
2.5
vs History
91
vs Industry
20
Median 3Y
3.7
Median 5Y
3.7
Industry
1.6
More Details
64.8
EV/S
EV/S
Enterprise Value to Sales
64.8
vs History
91
vs Industry
1
Median 3Y
174.5
Median 5Y
174.5
Industry
1.4
Forward
2.9
More Details
Negative
EV/GP
EV/GP
Enterprise Value to Gross Profit
N/A
vs History
vs Industry
Median 3Y
-16.8
Median 5Y
-16.8
Industry
4.2
More Details
Negative
EV/EBITDA
EV/EBITDA
Enterprise Value to EBITDA
N/A
vs History
vs Industry
4
Median 3Y
-40.6
Median 5Y
-40.6
Industry
8.5
Forward
6.7
More Details
Negative
EV/EBIT
EV/EBIT
Enterprise Value to EBIT
N/A
vs History
vs Industry
0
Median 3Y
-36.7
Median 5Y
-36.7
Industry
11.8
Forward
9
More Details
Negative
EV/OCF
EV/OCF
Enterprise Value to OCF
N/A
vs History
vs Industry
Median 3Y
-61.5
Median 5Y
-61.5
Industry
10.1
More Details
Negative
EV/FCFF
EV/FCFF
Enterprise Value to FCFF
N/A
vs History
vs Industry
Median 3Y
-55.5
Median 5Y
-55.5
Industry
13.8
More Details
2.1
EV/IC
EV/IC
Enterprise Value to IC
2.1
vs History
91
vs Industry
15
Median 3Y
3.3
Median 5Y
3.3
Industry
1.1
More Details

Multiples Across Competitors

ISC Competitors Multiples
Integrated System Credit Consulting Fintech SpA Competitors

All Multiples
P/S
P/E
EV/EBITDA
EV/EBIT
All Countries
All Countries
Close
Market Cap P/S P/E EV/EBITDA EV/EBIT
IT
Integrated System Credit Consulting Fintech SpA
MIL:ISC
28.9m EUR 65.7 -26 -173.7 -27.3
US
Cintas Corp
NASDAQ:CTAS
75.4B USD 6.2 37.4 25.1 29.4
US
Copart Inc
NASDAQ:CPRT
56.1B USD 12.9 40.3 29.4 33.1
CA
Ritchie Bros Auctioneers Inc
TSX:RBA
24B CAD 4 49 15.7 24.6
AU
Brambles Ltd
ASX:BXB
26.6B AUD 2.5 21.3 15 15
US
Aurora Innovation Inc
NASDAQ:AUR
12.4B USD 0 -15.5 -13.7 -13.4
IN
Indian Railway Catering and Tourism Corporation Ltd
NSE:IRCTC
630B INR 14.3 52.9 40.2 41.8
US
IAA Inc
F:3NI
4.9B EUR 2.4 17.6 11.5 14.5
UK
HomeServe PLC
LSE:HSV
4B GBP 2.6 29.9 13.7 21.1
FR
Spie SA
PAR:SPIE
5B EUR 0.5 22.3 8 13.6
P/E Multiple
Earnings Growth P/E to Growth
IT
I
Integrated System Credit Consulting Fintech SpA
MIL:ISC
Average P/E: 33.8
Negative Multiple: -26 		N/A N/A
US
Cintas Corp
NASDAQ:CTAS
37.4
36%
1
US
Copart Inc
NASDAQ:CPRT
40.3
46%
0.9
CA
Ritchie Bros Auctioneers Inc
TSX:RBA
49
342%
0.1
AU
Brambles Ltd
ASX:BXB
21.3
36%
0.6
US
Aurora Innovation Inc
NASDAQ:AUR
Negative Multiple: -15.5 N/A N/A
IN
Indian Railway Catering and Tourism Corporation Ltd
NSE:IRCTC
52.9
63%
0.8
US
I
IAA Inc
F:3NI
17.6
N/A N/A
UK
HomeServe PLC
LSE:HSV
29.9
81%
0.4
FR
Spie SA
PAR:SPIE
22.3
117%
0.2
EV/EBITDA Multiple
EBITDA Growth EV/EBITDA to Growth
IT
I
Integrated System Credit Consulting Fintech SpA
MIL:ISC
Average EV/EBITDA: 19.8
Negative Multiple: -173.7 		N/A N/A
US
Cintas Corp
NASDAQ:CTAS
25.1
31%
0.8
US
Copart Inc
NASDAQ:CPRT
29.4
45%
0.6
CA
Ritchie Bros Auctioneers Inc
TSX:RBA
15.7
38%
0.4
AU
Brambles Ltd
ASX:BXB
15
114%
0.1
US
Aurora Innovation Inc
NASDAQ:AUR
Negative Multiple: -13.7 N/A N/A
IN
Indian Railway Catering and Tourism Corporation Ltd
NSE:IRCTC
40.2
50%
0.8
US
I
IAA Inc
F:3NI
11.5
N/A N/A
UK
HomeServe PLC
LSE:HSV
13.7
35%
0.4
FR
Spie SA
PAR:SPIE
8
42%
0.2
EV/EBIT Multiple
EBIT Growth EV/EBIT to Growth
IT
I
Integrated System Credit Consulting Fintech SpA
MIL:ISC
Average EV/EBIT: 24.1
Negative Multiple: -27.3 		N/A N/A
US
Cintas Corp
NASDAQ:CTAS
29.4
33%
0.9
US
Copart Inc
NASDAQ:CPRT
33.1
46%
0.7
CA
Ritchie Bros Auctioneers Inc
TSX:RBA
24.6
44%
0.6
AU
Brambles Ltd
ASX:BXB
15
27%
0.5
US
Aurora Innovation Inc
NASDAQ:AUR
Negative Multiple: -13.4 N/A N/A
IN
Indian Railway Catering and Tourism Corporation Ltd
NSE:IRCTC
41.8
50%
0.8
US
I
IAA Inc
F:3NI
14.5
N/A N/A
UK
HomeServe PLC
LSE:HSV
21.1
59%
0.4
FR
Spie SA
PAR:SPIE
13.6
59%
0.2

See Also

Summary
ISC intrinsic value, competitors valuation, and company profile.
DCF Valuation
ISC stock valuation using Discount Cash Flow valuation method.
Relative Valuation
ISC stock valuation using valuation multiples.
Wall Street Estimates
ISC price targets and financial estimates made by Wall st analysts.
Profitability Analysis
Detailed analysis of the company's profitability.
Solvency Analysis
Analysis of the financial position and solvency of the company.
Financials
Income Statement, Balance Sheet, Cash Flow Statement.
Discount Rate
ISC stock discount rate: cost of equity and WACC.
Summary
DCF Valuation
Relative Valuation
Wall Street Estimates
Profitability Analysis
Solvency Analysis
Financials
Discount Rate
Discover More
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