Logo image of ISC.MI

INTEGRATED SYSTEM CREDIT CON (ISC.MI) Stock Fundamental Analysis

BIT:ISC - Borsa Italiana Milan - IT0005474108 - Common Stock - Currency: EUR

1.63  -0.09 (-5.23%)

Fundamental Rating

3

ISC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 44 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.


Dividend Valuation Growth Profitability Health

Quickly go to:

0

1. Profitability

1.1 Basic Checks

ISC had negative earnings in the past year.
In the past year ISC has reported a negative cash flow from operations.
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 0 -2M -4M -6M

1.2 Ratios

ISC has a worse Return On Assets (-6.10%) than 78.05% of its industry peers.
The Return On Equity of ISC (-9.42%) is worse than 73.17% of its industry peers.
Industry RankSector Rank
ROA -6.1%
ROE -9.42%
ROIC N/A
ROA(3y)-6.95%
ROA(5y)N/A
ROE(3y)-11.3%
ROE(5y)N/A
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 0 -200 -400 -600 -800

1.3 Margins

ISC does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
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 0 -2K -4K -6K

More info and screens

5

2. Health

2.1 Basic Checks

ISC does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, ISC has about the same amount of shares outstanding.
The debt/assets ratio for ISC is higher compared to a year ago.
ISC.MI Yearly Shares OutstandingISC.MI Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 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 5M 10M 15M 20M

2.2 Solvency

An Altman-Z score of 2.12 indicates that ISC is not a great score, but indicates only limited risk for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 2.12, ISC is in the better half of the industry, outperforming 60.98% of the companies in the same industry.
A Debt/Equity ratio of 0.25 indicates that ISC is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.25, ISC is doing good in the industry, outperforming 78.05% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF N/A
Altman-Z 2.12
ROIC/WACCN/A
WACC6.61%
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 0 5M -5M 10M

2.3 Liquidity

ISC has a Current Ratio of 3.76. This indicates that ISC is financially healthy and has no problem in meeting its short term obligations.
ISC has a Current ratio of 3.76. This is amongst the best in the industry. ISC outperforms 90.24% of its industry peers.
ISC has a Quick Ratio of 3.76. This indicates that ISC is financially healthy and has no problem in meeting its short term obligations.
With an excellent Quick ratio value of 3.76, ISC belongs to the best of the industry, outperforming 90.24% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 3.76
Quick Ratio 3.76
ISC.MI Yearly Current Assets VS Current LiabilitesISC.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2021 2022 2023 5M 10M 15M

More info and screens

4

3. Growth

3.1 Past

ISC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -63.13%.
ISC shows a strong growth in Revenue. In the last year, the Revenue has grown by 59.38%.
The Revenue has been growing by 99.75% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-63.13%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%155.85%
Revenue 1Y (TTM)59.38%
Revenue growth 3Y99.75%
Revenue growth 5YN/A
Sales Q2Q%2.47%

3.2 Future

Based on estimates for the next years, ISC will show a very strong growth in Earnings Per Share. The EPS will grow by 32.91% on average per year.
The Revenue is expected to decrease by -11.04% on average over the next years. This is quite bad
EPS Next Y193.38%
EPS Next 2Y70.05%
EPS Next 3Y43.71%
EPS Next 5Y32.91%
Revenue Next Year-49.75%
Revenue Next 2Y-29.11%
Revenue Next 3Y-17.93%
Revenue Next 5Y-11.04%

3.3 Evolution

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
ISC.MI Yearly Revenue VS EstimatesISC.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 5M 10M 15M 20M
ISC.MI Yearly EPS VS EstimatesISC.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 0.05 0.1 0.15 0.2 0.25

More info and screens

4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for ISC. In the last year negative earnings were reported.
ISC is valuated cheaply with a Price/Forward Earnings ratio of 6.93.
87.80% of the companies in the same industry are more expensive than ISC, based on the Price/Forward Earnings ratio.
ISC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 92.74.
Industry RankSector Rank
PE N/A
Fwd PE 6.93
ISC.MI Price Earnings VS Forward Price EarningsISC.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 40 60 80

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
ISC.MI Per share dataISC.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 0.2 0.4 0.6 0.8

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as ISC's earnings are expected to grow with 43.71% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y70.05%
EPS Next 3Y43.71%

More info and screens

0

5. Dividend

5.1 Amount

ISC does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

More info and screens

INTEGRATED SYSTEM CREDIT CON

BIT:ISC (1/27/2025, 7:00:00 PM)

1.63

-0.09 (-5.23%)

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 Owners5.87%
Inst Owner ChangeN/A
Ins Owners60.85%
Ins Owner ChangeN/A
Market Cap21.03M
Analysts83.33
Price Target5.64 (246.01%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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)0%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)1.01%
Revenue NY rev (3m)6.38%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 6.93
P/S 47.79
P/FCF N/A
P/OCF N/A
P/B 1.78
P/tB 2.59
EV/EBITDA N/A
EPS(TTM)-0.09
EYN/A
EPS(NY)0.24
Fwd EY14.44%
FCF(TTM)-0.03
FCFYN/A
OCF(TTM)-0.03
OCFYN/A
SpS0.03
BVpS0.91
TBVpS0.63
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -6.1%
ROE -9.42%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM N/A
ROA(3y)-6.95%
ROA(5y)N/A
ROE(3y)-11.3%
ROE(5y)N/A
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
ROICexcg growth 3YN/A
ROICexcg 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-Score4
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.25
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 4.83%
Cap/Sales 9.68%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 3.76
Quick Ratio 3.76
Altman-Z 2.12
F-Score4
WACC6.61%
ROIC/WACCN/A
Cap/Depr(3y)3.45%
Cap/Depr(5y)N/A
Cap/Sales(3y)28.68%
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-63.13%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%155.85%
EPS Next Y193.38%
EPS Next 2Y70.05%
EPS Next 3Y43.71%
EPS Next 5Y32.91%
Revenue 1Y (TTM)59.38%
Revenue growth 3Y99.75%
Revenue growth 5YN/A
Sales Q2Q%2.47%
Revenue Next Year-49.75%
Revenue Next 2Y-29.11%
Revenue Next 3Y-17.93%
Revenue Next 5Y-11.04%
EBIT growth 1Y-389.44%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-69.85%
EBIT Next 3Y-16.53%
EBIT Next 5Y-10.09%
FCF growth 1Y93.5%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y94.12%
OCF growth 3YN/A
OCF growth 5YN/A