Integrated System Credit Consulting Fintech SpA
MIL:ISC
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Integrated System Credit Consulting Fintech SpA
MIL:ISC
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IT |
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Nova Ltd
F:NMR
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IL |
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Firm Capital Mortgage Investment Corp
F:74X
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CA |
Intrinsic Value
The intrinsic value of Integrated System Credit Consulting Fintech SpA (ISC) under the Base Case is 0.096 EUR per share. Compared with the current market price of 0.904 EUR, the stock appears Overvalued by 89% .
The intrinsic value is calculated using the DCF method. The model assumes revenue grows about 55% in 2025, then slows: about 15% a year on average over the next five years, . Net margin ends at 11% by 2030, above its five-year average of -249%. The forecast years subtract value, so the estimate rests entirely on the years after 2030.
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Cheap or expensive for this stock?
This block shows whether today’s valuation is cheap or expensive compared with the stock’s own history, and what happened after similar valuations in the past.
We compare the gap between the stock’s price and our estimated value over time.
- Undervalued can still be historically expensive. The stock may trade below our estimated value, but usually offer an even bigger discount.
- Overvalued can still be historically cheap. The stock may trade above our estimated value, but usually carry an even higher premium.
Market expectations can differ from our model, which may not fully capture everything affecting the price. That is why some stocks regularly trade above our estimated value and others below it.
The scale and chart show how today’s valuation compares with the past. The cards summarize past returns and waiting times until the stock stopped being cheap or expensive. This can happen because the price changed, our estimated value changed, or both.
Only completed periods are included. These are past results, not forecasts. The usual historical range does not necessarily mean fair value.
Fundamental Analysis
What Integrated System Credit Consulting Fintech SpA Does
Integrated System Credit Consulting Fintech SpA is an Italian financial-services company focused on credit management. It helps banks, lenders, and businesses deal with overdue or hard-to-collect loans by handling credit consulting, recovery work, and related servicing tasks. In simple terms, it sits in the middle of the lending chain and helps turn troubled receivables into cash or cleaner balance sheets.
- Headquarters
- Italy IT
- IPO date
- Dec 22, 2021
Earnings Waterfall
Integrated System Credit Consulting Fintech SpA
The intrinsic value for Integrated System Credit Consulting Fintech SpA (ISC) under the Base Case is 0.096 EUR.
Compared with the current market price of 0.904 EUR, the stock appears Overvalued by 89% .