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

As of Sep 23, 2026: fair value of Integrated System Credit Consulting Fintech S.p.A. €0.29, price €0.91, upside -68.1%, quality 36 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
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Financial Services · IT · ISIN IT0005216953

IS Thin data Sep 23, 2026

Integrated System Credit Consulting Fintech S.p.A.

ISC · MI

Weakest SetupStrongly overvalued and low quality.

!Fair value €0.2900 · Strongly overvalued (−68%)
!Quality 36/100
!Expensive Growth (revenue 5y +84.0 %/yr)
!Loss-making · -42.1% net margin (TTM)
!Low debt · negative free cash flow
!Trails peers (1/10)
!Narrow moat 16/100
!Evidence only low, so the estimate is less certain
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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 €0.2900 Dec 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.

How to read this chart

57‑month range €0.7420 – €5.70 · fair‑value band €0.1900 – €0.3600 · the €0.9080 price screens above the €0.2900 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 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. The company was founded in 2019 and is headquartered in Turin, Italy.

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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. 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 €0.9080, while our model-based Fair Value estimate is €0.2900, implying the stock looks roughly 213.1% overvalued today.

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Valuation

How firm this estimate is: it rests on 1 models at a data quality of 94/100, which puts the evidence level at low.

Scenario range: €0.1900 (bear) to €0.3600 (bull), the price of €0.9080 sits above 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 36/100 (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 €11.7M · P/S ratio 2.13 · EPS (TTM) €−0.1800 · Net margin −43.0% · Return on equity −20.8% · Return on assets (EBIT) −4.4% · Operating margin −44.1% · Revenue (TTM) €5.4M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (medium confidence).

What moves the price

The share trades about 29% below its 52-week high and 22% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −32% fair-value upside, at −68%, ISC screens richer than that median.

Fair Value models

Bear €0.1900 Fair Value €0.2900 Bull €0.3600
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
NCAV (Graham) €0.3800 €0.5100 €0.7500 54
All 1 models by family
Asset-Based
NCAV (Graham) €0.3800 €0.5100 €0.7500 54

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Quality Score breakdown

Overall quality 36/100

Of which business quality 38 · Market factors (momentum, volatility) 41

Profitability 13
Margins and returns on capital today
Quality Growth 0
Are margins and returns improving?
Cashflow 2
Earnings quality: real cash, not paper profit
Fin. Strength 68
Balance sheet, leverage, solvency risk
Investment 92
Disciplined investing over empire-building
Low Volatility 66
Calm price path (market factor)
Momentum 38
Price trend over the last 3–12 months (market factor)
52W Momentum 18
Distance to the 52-week high (market factor)
Net Issuance 82
Share count: buybacks or dilution?

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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 213% overvalued. 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 · 330 stocks

Beats the industry median on 1/9 measures
Overall it trails its industry peers.
Valuation
Quality Score 38 · Bottom 25%
Fair Value upside −68% · Bottom 25%
Profitability
Return on assets −7% · Bottom 25%
Net margin (TTM) −42% · Bottom 25%
Operating margin (TTM) −44% · Bottom 25%
Growth and dividend
Revenue growth −35% · Bottom 25%
Balance sheet
Debt / equity 0.14× · Below median

Valuation Multiplesvs Credit Services median · lower = cheaper

P/B 1.37× · Pricier than median
P/S (TTM) 2.47× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 48
FUTURE (revenue growth)0 · sector 39
PAST (return on equity)0 · sector 32
HEALTH (low debt)93 · sector 59
DIVIDEND (yield)0 · sector 66

VALUE 0: the price sits above our fair-value range.

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
Visa Inc V $362.04 $227.35 −37%
Mastercard Incorporated MA $555.89 $356.78 −36%
American Express Company AXP $305.07 $206.40 −32%
Capital One Financial Corporation COF $200.55 $125.36 −37%
Bajaj Finance Limited BAJFINANCE ₹1,043 ₹1,101 +6%
PayPal Holdings PYPL $52.89 $99.46 +88%
Affirm Holdings AFRM $71.77 $16.24 −77%
Shriram Finance Limited SHRIRAMFIN ₹1,011 ₹1,374 +36%
Synchrony Financial, SYF $72.67 $137.28 +89%
SoFi Technologies, Inc SOFI $17.16 $5.57 −68%

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Integrated System Credit Consulting Fintech S.p.A. · Fair Value
€0.2900 −213%Fair Value
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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 Sep 23, 2026, our model estimates a fair value of €0.2900 versus a price of €0.9080, about −68% upside (overvalued).
What is the fair value of ISC?
Our model-based fair value for Integrated System Credit Consulting Fintech S.p.A. is €0.2900 (as of Sep 23, 2026), built from audited fundamentals. The current price: €0.9080.
What is the quality score of ISC?
Integrated System Credit Consulting Fintech S.p.A. has a Quality Score of 36/100. 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 model-based price target is the fair value of €0.2900 (as of Sep 23, 2026) from 1 valuation models. Cautious scenario €0.1900, optimistic scenario €0.3600. It is a calculation from audited fundamentals, not an analyst target.
What is the Integrated System Credit Consulting Fintech S.p.A. stock forecast for 2026?
Our models put fair value at €0.2900, about −68% upside versus a price of €0.9080 (overvalued). Cautious scenario €0.1900, optimistic scenario €0.3600. 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 €5.4M (latest available figure, as of Sep 23, 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 €0.2900 per share (as of Sep 23, 2026), against a price of €0.9080. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is Integrated System Credit Consulting Fintech S.p.A. stock overvalued or undervalued in 2026?
As of Sep 23, 2026, ISC trades above its calculated fair value: price €0.9080, fair value €0.2900, a gap of about −68% (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 (€0.9080); the fair value is what the company's own numbers justify (€0.2900). For Integrated System Credit Consulting Fintech S.p.A. the two are €0.6180 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 €11.7M (market capitalisation, as of Sep 23, 2026). Per share that is €0.9080; our models calculate a fair value of €0.2900 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 €0.1900, base €0.2900, optimistic €0.3600 per share (as of Sep 23, 2026, price €0.9080). 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 Sep 23, 2026): return on equity −20.8%, debt of 0.14 per unit of equity. They feed the Quality Score of 36/100, 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 €0.9080, about 29% below its 52-week high of €1.28 and 22% above the low of €0.7420 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of €0.2900 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 Sep 23, 2026: price €0.9080, calculated fair value €0.2900 (−68%), Quality Score 36/100, from 1 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of ISC calculated?
We run Integrated System Credit Consulting Fintech S.p.A. through 1 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of €0.2900, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1 % 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 Sep 23, 2026 was €0.9080. Our model-based fair value is €0.2900, about −68% upside (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?
The price sits above even our optimistic bull case (€0.3600). The favourable scenario is already priced in. Weak quality (36/100) and above fair value at the same time, the margin of safety is missing on both counts. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. A fairly wide model range (€0.1900 to €0.3600) leaves room in how you read the outcome.

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 €11.7M. 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 2.13 (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 €−0.1800. 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 −43.0% (fiscal year 2025). 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 −20.8% (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 −44.1% (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 −34.5% 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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