Stock ISC INTEGRATED SYSTEM CREDIT CONSULTING FINTECH S.P.A.
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Financials Integrated System Credit Consulting Fintech S.p.A.

Equities

ISC

IT0005474108

Financial Technology (Fintech)

Market Closed - Borsa Italiana
Other stock markets
 11:44:59 2024-04-26 am EDT 		5-day change 1st Jan Change
2.3 EUR 0.00% Intraday chart for Integrated System Credit Consulting Fintech S.p.A. -4.96% -37.16%
Apr. 18 ISCC Fintech divests EUR13 million portfolio from NPL loans AN
Apr. 12 ITALY GROWTH WINNERS & LOSERS: Confinvest bullish; E-Globe trailing. AN

Valuation

Fiscal Period: December 2021 2022 2023 2024 2025
Capitalization 1 71.21 66.82 29.67 29.67 -
Enterprise Value (EV) 1 59.18 62.53 47.21 26.12 20.79
P/E ratio - - - - -
Yield - - - - -
Capitalization / Revenue 47.7 x 13.8 x 17.5 x 2.97 x 2.02 x
EV / Revenue 39.6 x 12.9 x 17.5 x 2.61 x 1.41 x
EV / EBITDA 209 x 65.7 x 1.38 x 5.94 x 2.58 x
EV / FCF -39.3 x -8.07 x 4.88 x 8.71 x 3.85 x
FCF Yield -2.54% -12.4% 20.5% 11.5% 26%
Price to Book - - - - -
Nbr of stocks (in thousands) 12,900 12,900 12,900 12,900 -
Reference price 2 5.520 5.180 2.300 2.300 2.300
Announcement Date 3/14/22 3/14/23 3/21/24 - -
1EUR in Million2
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2021 2022 2023 2024 2025
Net sales 1 1.494 4.842 2.695 10 14.7
EBITDA 1 0.2837 0.9518 15.3 4.4 8.05
EBIT 1 -0.3945 0.0251 -3.354 3.3 6.85
Operating Margin -26.4% 0.52% -124.48% 33% 46.6%
Earnings before Tax (EBT) - - - - -
Net income -0.3403 - - - -
Net margin -22.78% - - - -
EPS - - - - -
Free Cash Flow 1 -1.504 -7.744 4.33 3 5.4
FCF margin -100.68% -159.94% 21.65% 30% 36.73%
FCF Conversion (EBITDA) - - 28.3% 68.18% 67.08%
FCF Conversion (Net income) - - - - -
Dividend per Share - - - - -
Announcement Date 3/14/22 3/14/23 3/21/24 - -
1EUR in Million
Estimates

Balance Sheet Analysis

Fiscal Period: December 2021 2022 2023 2024 2025
Net Debt 1 - - - - -
Net Cash position 1 12 4.29 8.53 3.55 8.88
Leverage (Debt/EBITDA) - - - - -
Free Cash Flow 1 -1.5 -7.74 4.33 3 5.4
ROE (net income / shareholders' equity) - - - - -
ROA (Net income/ Total Assets) - - - - -
Assets - - - - -
Book Value Per Share - - - - -
Cash Flow per Share - - - - -
Capex 1 - - 0.33 0.48 1
Capex / Sales - - 1.65% 4.8% 6.8%
Announcement Date 3/14/22 3/14/23 3/21/24 - -
1EUR in Million
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Ratings for Integrated System Credit Consulting Fintech S.p.A.

Trading Rating
Investor Rating
ESG Refinitiv
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
1
Last Close Price
2.3 EUR
Average target price
7.05 EUR
Spread / Average Target
+206.52%
Consensus

Chiffre d''affaires - Rate of surprise

Company calendar

Sector Financial Technology (Fintech) (NEC)

1st Jan change Capi.
INTEGRATED SYSTEM CREDIT CONSULTING FINTECH S.P.A. Stock Integrated System Credit Consulting Fintech S.p.A.
-37.16% 31.68M
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FUTU HOLDINGS LIMITED Stock Futu Holdings Limited
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HITHINK ROYALFLUSH INFORMATION NETWORK CO., LTD. Stock Hithink RoyalFlush Information Network Co., Ltd.
-22.87% 8.98B
PB FINTECH LIMITED Stock PB Fintech Limited
+58.27% 6.75B
STONECO LTD. Stock StoneCo Ltd.
-9.32% 5.05B
Financial Technology (Fintech) (NEC)
  1. Stock Market
  2. Equities
  3. ISC Stock
  4. Financials Integrated System Credit Consulting Fintech S.p.A.