I

Integrated System Credit Consulting Fintech SpA
MIL:ISC

Watchlist Manager
Integrated System Credit Consulting Fintech SpA
MIL:ISC
Watchlist
Price: 2.24 EUR 1.82% Market Closed
Market Cap: 28.9m EUR
Have any thoughts about
Integrated System Credit Consulting Fintech SpA?
Write Note

Intrinsic Value

The intrinsic value of one ISC stock under the Base Case scenario is 3.68 EUR. Compared to the current market price of 2.24 EUR, Integrated System Credit Consulting Fintech SpA is Undervalued by 39%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

ISC Intrinsic Value
3.68 EUR
Undervaluation 39%
Intrinsic Value
Price
I
Worst Case
Base Case
Best Case

Valuation History
Integrated System Credit Consulting Fintech SpA

Intrinsic Value History
Dive into the past to invest in the future

Uncover deeper insights with the Valuation History. Learn how current stock valuations stack up against historical averages to gauge true investment potential.

Start now and learn if your stock is truly undervalued or overvalued!

Start Valuation
Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

Backtest Example
ISC
Valuation History
HIDDEN
Show
Valuation History Unavailable

Historical valuation for ISC cannot be conducted due to limitations such as insufficient data or other constraints.

Valuation In Progress...
Valuation In Progress...
How do you feel about ISC?
Bearish
Neutral
Bullish

Fundamental Analysis

2.24 EUR
+1.82%
+1.82%
Benchmark
Company Quality
No Indicators Selected
Select Indicators

Select up to 3 indicators:

Insider Trading
0-3
Months
0-6
Months
0-12
Months
0-36
Months
No Periods Selected
Select Periods

Select up to 2 periods:

Integrated System Credit Consulting Fintech SpA
IT
Commercial Services & Supplies
Market Cap
28.9m EUR
IPO
Dec 22, 2021
Employees
-
Italy
Market Cap
28.9m EUR
Industry
Commercial Services & Supplies
IPO
Dec 22, 2021
Company Overview
Loading...
Economic Moat
Loading...
Management
Loading...
Contacts
Loading...
AI Assistant
AI Assistant
Ask me anything about Integrated System Credit Consulting Fintech SpA

Provide an overview of the primary business activities
of Integrated System Credit Consulting Fintech SpA.

What unique competitive advantages
does Integrated System Credit Consulting Fintech SpA hold over its rivals?

What risks and challenges
does Integrated System Credit Consulting Fintech SpA face in the near future?

Is it considered overvalued or undervalued
based on the latest financial data?

Show all valuation multiples
for Integrated System Credit Consulting Fintech SpA.

Provide P/S
for Integrated System Credit Consulting Fintech SpA.

Provide P/E
for Integrated System Credit Consulting Fintech SpA.

Provide P/OCF
for Integrated System Credit Consulting Fintech SpA.

Provide P/FCFE
for Integrated System Credit Consulting Fintech SpA.

Provide P/B
for Integrated System Credit Consulting Fintech SpA.

Provide EV/S
for Integrated System Credit Consulting Fintech SpA.

Provide EV/GP
for Integrated System Credit Consulting Fintech SpA.

Provide EV/EBITDA
for Integrated System Credit Consulting Fintech SpA.

Provide EV/EBIT
for Integrated System Credit Consulting Fintech SpA.

Provide EV/OCF
for Integrated System Credit Consulting Fintech SpA.

Provide EV/FCFF
for Integrated System Credit Consulting Fintech SpA.

Provide EV/IC
for Integrated System Credit Consulting Fintech SpA.

Show me price targets
for Integrated System Credit Consulting Fintech SpA made by professional analysts.

What are the Revenue projections
for Integrated System Credit Consulting Fintech SpA?

How accurate were the past Revenue estimates
for Integrated System Credit Consulting Fintech SpA?

What are the Net Income projections
for Integrated System Credit Consulting Fintech SpA?

How accurate were the past Net Income estimates
for Integrated System Credit Consulting Fintech SpA?

What are the EPS projections
for Integrated System Credit Consulting Fintech SpA?

How accurate were the past EPS estimates
for Integrated System Credit Consulting Fintech SpA?

What are the EBIT projections
for Integrated System Credit Consulting Fintech SpA?

How accurate were the past EBIT estimates
for Integrated System Credit Consulting Fintech SpA?

Compare the revenue forecasts
for Integrated System Credit Consulting Fintech SpA with those of its competitors based on recent analyst estimates.

Compare the intrinsic valuations
of Integrated System Credit Consulting Fintech SpA and its key competitors using the latest financial data.

Compare historical revenue growth rates
of Integrated System Credit Consulting Fintech SpA against its competitors.

Analyze the profit margins
(gross, operating, and net) of Integrated System Credit Consulting Fintech SpA compared to its peers.

Compare the P/E ratios
of Integrated System Credit Consulting Fintech SpA against its peers.

Discuss the investment returns and shareholder value creation
comparing Integrated System Credit Consulting Fintech SpA with its peers.

Analyze the financial leverage
of Integrated System Credit Consulting Fintech SpA compared to its main competitors.

Show all profitability ratios
for Integrated System Credit Consulting Fintech SpA.

Provide ROE
for Integrated System Credit Consulting Fintech SpA.

Provide ROA
for Integrated System Credit Consulting Fintech SpA.

Provide ROIC
for Integrated System Credit Consulting Fintech SpA.

Provide ROCE
for Integrated System Credit Consulting Fintech SpA.

Provide Gross Margin
for Integrated System Credit Consulting Fintech SpA.

Provide Operating Margin
for Integrated System Credit Consulting Fintech SpA.

Provide Net Margin
for Integrated System Credit Consulting Fintech SpA.

Provide FCF Margin
for Integrated System Credit Consulting Fintech SpA.

Show all solvency ratios
for Integrated System Credit Consulting Fintech SpA.

Provide D/E Ratio
for Integrated System Credit Consulting Fintech SpA.

Provide D/A Ratio
for Integrated System Credit Consulting Fintech SpA.

Provide Interest Coverage Ratio
for Integrated System Credit Consulting Fintech SpA.

Provide Altman Z-Score Ratio
for Integrated System Credit Consulting Fintech SpA.

Provide Quick Ratio
for Integrated System Credit Consulting Fintech SpA.

Provide Current Ratio
for Integrated System Credit Consulting Fintech SpA.

Provide Cash Ratio
for Integrated System Credit Consulting Fintech SpA.

What is the historical Revenue growth
over the last 5 years for Integrated System Credit Consulting Fintech SpA?

What is the historical Net Income growth
over the last 5 years for Integrated System Credit Consulting Fintech SpA?

What is the current Free Cash Flow
of Integrated System Credit Consulting Fintech SpA?

Discuss the annual earnings per share (EPS)
trend over the past five years for Integrated System Credit Consulting Fintech SpA.

Financials
Annual
Quarterly
TTM
Annual
Quarterly
TTM

Revenue & Expenses Breakdown
Integrated System Credit Consulting Fintech SpA

Balance Sheet Decomposition
Integrated System Credit Consulting Fintech SpA

Current Assets 11.1m
Cash & Short-Term Investments 3.4m
Receivables 7.7m
Non-Current Assets 7.1m
PP&E 81.2k
Intangibles 3.7m
Other Non-Current Assets 3.4m
Current Liabilities 2.9m
Accounts Payable 1.2m
Accrued Liabilities 359.7k
Other Current Liabilities 1.3m
Non-Current Liabilities 3.5m
Long-Term Debt 3m
Other Non-Current Liabilities 496.6k
Efficiency

Earnings Waterfall
Integrated System Credit Consulting Fintech SpA

Revenue
440k EUR
Cost of Revenue
-4.6m EUR
Gross Profit
-4.1m EUR
Operating Expenses
3.1m EUR
Operating Income
-1m EUR
Other Expenses
-64.8k EUR
Net Income
-1.1m EUR

Free Cash Flow Analysis
Integrated System Credit Consulting Fintech SpA

Last Value
3-Years Average
FCF Margin
Conversion Rate
Fundamental Scores

ISC Profitability Score
Profitability Due Diligence

Integrated System Credit Consulting Fintech SpA's profitability score is 28/100. The higher the profitability score, the more profitable the company is.

Exceptional Revenue Growth Forecast
Exceptional 1-Year Revenue Growth
Negative ROIC
Negative ROE
28/100
Profitability
Score

Integrated System Credit Consulting Fintech SpA's profitability score is 28/100. The higher the profitability score, the more profitable the company is.

ISC Solvency Score
Solvency Due Diligence

Integrated System Credit Consulting Fintech SpA's solvency score is 57/100. The higher the solvency score, the more solvent the company is.

Short-Term Solvency
Low D/E
Long-Term Solvency
High Altman Z-Score
57/100
Solvency
Score

Integrated System Credit Consulting Fintech SpA's solvency score is 57/100. The higher the solvency score, the more solvent the company is.

Wall St
Price Targets

ISC Price Targets Summary
Integrated System Credit Consulting Fintech SpA

Wall Street analysts forecast ISC stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for ISC is 5.64 EUR with a low forecast of 4.04 EUR and a high forecast of 7.4 EUR.

Lowest
Price Target
4.04 EUR
80% Upside
Average
Price Target
5.64 EUR
152% Upside
Highest
Price Target
7.4 EUR
230% Upside
View Analyst Estimates
View Analyst Estimates
Want to learn more about Wall St estimates for ISC?

Click here to dive deeper.

Dividends

Integrated System Credit Consulting Fintech SpA
does not pay dividends
Shareholder Yield

Current shareholder yield for ISC is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
Dividend Yield
No dividends
Buyback Yield
Lowest
Average
Highest
Debt Paydown Yield
Lowest
Average
Highest

See Also

Discover More
What is the Intrinsic Value of one ISC stock?

The intrinsic value of one ISC stock under the Base Case scenario is 3.68 EUR.

Is ISC stock undervalued or overvalued?

Compared to the current market price of 2.24 EUR, Integrated System Credit Consulting Fintech SpA is Undervalued by 39%.

Back to Top