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Integrated System Credit Consulting Fintech S.p.A. (ISC) fair value: what the stock is really worth

As of Nov 10, 2026: fair value (intrinsic value) of Integrated System Credit Consulting Fintech S.p.A. stock €0.94, price €1.08, that is 13.0% below the price, quality 38 out of 100. Rating: overvalued. The value is an estimate: none of our valuation models currently carries, it draws on revenue and assets compared with similar companies. Updated daily.

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Financial Services IT

IS Integrated System Credit Consulting Fintech S.p.A. logo Thin data Nov 10, 2026

Integrated System Credit Consulting Fintech S.p.A.

ISC · MI
Expensive, weak quality

Our calculation puts a fair price 13% below what the stock costs today.

Low debt
Revenue last quarter +75% vs. a year ago.
Expensive Growth (revenue 5y +84.0 %/yr in EUR)
Fair value €0.9400 · Overvalued
Quality 38/100
Loss-making · -10.8% net margin (TTM)
Negative free cash flow
Trails peers (3/10)
Narrow moat 27/100
Thin data
Estimate
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

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Price vs Fair Value

€5.70 €0.7420 Fair Value €0.9400 Dec 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 10, 2026.

How to read this chart

59‑month range €0.7420 – €5.70 · fair‑value band €0.7000 – €1.17 · the €1.08 price screens above the €0.9400 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 10, 2026.

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Company profile

Integrated System Credit Consulting Fintech S.p.A. provides credit management services in Italy. It offers debt management and collection services through due diligence and acquisition, phone and home collection services, and legal actions for credit recovery.

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The company was founded in 2019 and is headquartered in Turin, Italy. Integrated System Credit Consulting Fintech S.p.A. operates as a subsidiary of Conafi Srl.

Stock analysis

Integrated System Credit Consulting Fintech S.p.A. (ISC) currently trades at €1.08, while our estimate is €0.9400, 13% below the price, so the stock looks overvalued today.

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Valuation

None of our valuation models currently carries for this company, usually because of losses or heavy investment. The estimate draws on revenue and assets compared with similar companies and is less precise than a model-based fair value.

Scenario range: €0.7000 (bear) to €1.17 (bull), the price of €1.08 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 38/100 (below-average quality), in the Financial Services sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

Integrated System Credit Consulting Fintech S.p.A. reported revenue of €5.3M in FY2025 versus €1.5M in FY2021, a compound +37.2%/yr. Reported net income was −€2.3M in FY2025.

Key figures

Market cap €13.9M Micro · P/S ratio 1.84 · EPS (TTM) €−0.0600 · Net margin −10.8% · Return on equity −7.5% · Return on assets (EBIT) −4.4% (5-year average) · Operating margin 17.5% · Revenue (TTM) €7.5M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 27 out of 100 (medium confidence).

What moves the price

The share trades about 4% below its 52-week high and 46% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −1% fair-value upside, at −13%, ISC screens richer than that median.

Fair Value

Bear €0.7000 Fair Value €0.9400 Bull €1.17
Price €1.08 · Downside -13.0%
Estimate. None of our valuation models currently carries for this company, usually because of losses or heavy investment. The estimate draws on revenue and assets compared with similar companies and is less precise than a model-based fair value.

Quality Score breakdown

Overall quality 38/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 13
How much profit the company makes from its sales and capital
Quality Growth 0
Are margins and returns getting better?
Cashflow 2
Do the profits arrive as real cash?
Financial strength 68
Debt, balance sheet and risk of trouble
Investment 92
Does it invest with discipline instead of growing at any price?
Low Volatility 64
How calm the share price moves, does not count
Price momentum 40
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 58
Distance to the 52-week high, does not count
New shares 82
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 38/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
−38.8%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+5.9%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+84.0%
Start year 2020 (pandemic)
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
−35.6% (2020) → −34.4% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

ISC screens overvalued: fair value 13% below the price. Compare with Visa Inc →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 325 stocks

Beats the industry median on 3/9 measures
Overall it trails its industry peers.
Valuation
Quality Score 38 · Bottom 25%
Fair Value upside −13.0% · Below median
Profitability
Return on assets −14.6% · Bottom 25%
Net margin (12 months) −10.8% · Bottom 25%
Operating margin (12 months) 17.5% · Below median
Growth and dividend
Revenue growth (quarter YoY) 75.1% · Top 25%
Balance sheet
Debt / equity 0.14× · Below median

Valuation Multiplesvs Credit Services median · lower = cheaper

P/B 1.43× · Pricier than median
P/S (12 months) 1.86× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)16 · sector 47
FUTURE (revenue growth)100 · sector 55
PAST (return on equity)0 · sector 34
HEALTH (low debt)93 · sector 58
DIVIDEND (yield)0 · sector 63

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Credit Services stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Synchrony Financial, SYF $71.70 $141.92 +98% vs ISC
PayPal Holdings PYPL $58.78 $107.45 +83% vs ISC
Shriram Finance Limited SHRIRAMFIN ₹965.00 ₹1,309 +36% vs ISC
Affirm Holdings AFRM $65.95 $74.92 +14% vs ISC
Bajaj Finance Limited BAJFINANCE ₹1,065 ₹1,055 −1% vs ISC
American Express Company AXP $323.46 $210.02 −35% vs ISC
Visa Inc V $423.00 $242.87 −43% vs ISC
Mastercard Incorporated MA $658.84 $360.13 −45% vs ISC
Capital One Financial Corporation COF $195.84 $106.81 −45% vs ISC
SoFi Technologies, Inc SOFI $16.37 $5.51 −66% vs ISC

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Integrated System Credit Consulting Fintech S.p.A.: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Integrated System Credit Consulting Fintech S.p.A. Fair Value". https://www.fairvalue-calculator.com/stock/ISC

Frequently asked questions

Is Integrated System Credit Consulting Fintech S.p.A. (ISC) overvalued or undervalued?
As of Nov 10, 2026, our estimate of fair value is €0.9400 versus a price of €1.08, about 13% lower (overvalued).
What is the fair value of ISC?
Our estimate for Integrated System Credit Consulting Fintech S.p.A. is €0.9400 (as of Nov 10, 2026), built from audited fundamentals. The current price: €1.08.
What is the quality score of ISC?
Integrated System Credit Consulting Fintech S.p.A. has a Quality Score of 38/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Integrated System Credit Consulting Fintech S.p.A. (ISC)?
Our calculated price target is the estimate of €0.9400 (as of Nov 10, 2026). Cautious scenario €0.7000, optimistic scenario €1.17. It is an estimate from revenue and assets compared with similar companies, because none of our valuation models currently carries, not an analyst target.
What is the Integrated System Credit Consulting Fintech S.p.A. stock forecast for 2026?
Our estimate puts fair value at €0.9400, about 13% lower versus a price of €1.08 (overvalued). Cautious scenario €0.7000, optimistic scenario €1.17. The calculation is refreshed regularly with new filings.
What is the revenue of Integrated System Credit Consulting Fintech S.p.A. (ISC)?
Integrated System Credit Consulting Fintech S.p.A. reported trailing-twelve-month revenue of about €7.5M (latest available figure, as of Nov 10, 2026).
What is the intrinsic value of Integrated System Credit Consulting Fintech S.p.A. (ISC)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Integrated System Credit Consulting Fintech S.p.A. it is €0.9400 per share (as of Nov 10, 2026), against a price of €1.08.
Is Integrated System Credit Consulting Fintech S.p.A. stock overvalued or undervalued in 2026?
As of Nov 10, 2026, ISC trades above its calculated fair value: price €1.08, fair value €0.9400, a gap of about −13% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of ISC?
No. The price is what the market pays today (€1.08); the fair value is what the company's own numbers justify (€0.9400). For Integrated System Credit Consulting Fintech S.p.A. the two are €0.1400 per share apart. That gap is exactly why we show both numbers side by side.
How much is Integrated System Credit Consulting Fintech S.p.A. worth?
The market values Integrated System Credit Consulting Fintech S.p.A. at about €13.9M (market capitalisation, as of Nov 10, 2026). Per share that is €1.08; our models calculate a fair value of €0.9400 per share.
What do the bullish and bearish scenarios say about ISC?
Our models span a range for Integrated System Credit Consulting Fintech S.p.A.: cautious scenario €0.7000, base €0.9400, optimistic €1.17 per share (as of Nov 10, 2026, price €1.08). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Integrated System Credit Consulting Fintech S.p.A. (ISC)?
Balance-sheet figures for Integrated System Credit Consulting Fintech S.p.A. (as of Nov 10, 2026): return on equity −7.5%, debt of 0.14 per unit of equity. They feed the Quality Score of 38/100, which measures business quality independently of the share price.
How far is ISC from its 52-week high?
Integrated System Credit Consulting Fintech S.p.A. trades at €1.08, about 4% below its 52-week high of €1.13 and 46% above the low of €0.7420 (as of Nov 10, 2026). Distance from the high says nothing about value: that is what the fair value of €0.9400 is for.
Which stocks are comparable to Integrated System Credit Consulting Fintech S.p.A.?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Integrated System Credit Consulting Fintech S.p.A. stock attractive at the current price?
The data as of Nov 10, 2026: price €1.08, calculated fair value €0.9400 (−13%), Quality Score 38/100. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
Is it still worth investing in stocks now?
The global stock market currently sits 15.1% above its aggregate fair value. Integrated System Credit Consulting Fintech S.p.A. itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Integrated System Credit Consulting Fintech S.p.A. (ISC)?
The closing price on Nov 10, 2026 was €1.08. Our estimate is €0.9400, about 13% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Integrated System Credit Consulting Fintech S.p.A. right now?
Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Integrated System Credit Consulting Fintech S.p.A.

How large is the market capitalisation of Integrated System Credit Consulting Fintech S.p.A. (ISC)?
The market capitalisation of Integrated System Credit Consulting Fintech S.p.A. is €13.9M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Integrated System Credit Consulting Fintech S.p.A. (ISC)?
The price-to-sales ratio of Integrated System Credit Consulting Fintech S.p.A. is 1.84 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Integrated System Credit Consulting Fintech S.p.A. (ISC)?
Earnings per share at Integrated System Credit Consulting Fintech S.p.A. are €−0.0600. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Integrated System Credit Consulting Fintech S.p.A. (ISC)?
The net margin of Integrated System Credit Consulting Fintech S.p.A. is −10.8% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Integrated System Credit Consulting Fintech S.p.A. (ISC)?
The return on equity (ROE) of Integrated System Credit Consulting Fintech S.p.A. is −7.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Integrated System Credit Consulting Fintech S.p.A. (ISC)?
On an EBIT basis the return on assets of Integrated System Credit Consulting Fintech S.p.A. is −4.4% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Integrated System Credit Consulting Fintech S.p.A. (ISC)?
The operating margin of Integrated System Credit Consulting Fintech S.p.A. is 17.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Integrated System Credit Consulting Fintech S.p.A. (ISC)?
Revenue at Integrated System Credit Consulting Fintech S.p.A. is growing +75.1% versus a year earlier (3y avg +5.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does Integrated System Credit Consulting Fintech S.p.A. (ISC) generate?
The free cash flow of Integrated System Credit Consulting Fintech S.p.A. is −€1.6M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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