INTEGRATED SYSTEM CREDIT CONSULTING FINTECH S.P.A. Financials Integrated System Credit Consulting Fintech S.p.A.
Equities
ISC
IT0005474108
Financial Technology (Fintech)
|
Real-time
Other stock markets
|
5-day change | 1st Jan Change | ||
| 2.48 EUR | +12.73% |
|
+19.23% | -32.24% |
| 02:02pm | ITALY GROWTH WINNERS & LOSERS: Plants goes up; Edil San Felice goes down. | AN |
| 04-18 | ISCC Fintech divests EUR13 million portfolio from NPL loans | AN |
Valuation
| Fiscal Period: December | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Capitalization 1 | 71.21 | 66.82 | 28.38 | 28.38 | - |
| Enterprise Value (EV) 1 | 59.18 | 62.53 | 47.21 | 24.83 | 19.5 |
| P/E ratio | - | - | - | - | - |
| Yield | - | - | - | - | - |
| Capitalization / Revenue | 47.7 x | 13.8 x | 17.5 x | 2.84 x | 1.93 x |
| EV / Revenue | 39.6 x | 12.9 x | 17.5 x | 2.48 x | 1.33 x |
| EV / EBITDA | 209 x | 65.7 x | 1.3 x | 5.64 x | 2.42 x |
| EV / FCF | -39.3 x | -8.07 x | 4.58 x | 8.28 x | 3.61 x |
| FCF Yield | -2.54% | -12.4% | 21.8% | 12.1% | 27.7% |
| Price to Book | - | - | - | - | - |
| Nbr of stocks (in thousands) | 12,900 | 12,900 | 12,900 | 12,900 | - |
| Reference price 2 | 5.520 | 5.180 | 2.200 | 2.200 | 2.200 |
| Announcement Date | 22-03-14 | 23-03-14 | 24-03-21 | - | - |
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 | 22-03-14 | 23-03-14 | 24-03-21 | - | - |
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 | 22-03-14 | 23-03-14 | 24-03-21 | - | - |
1EUR in Million
Estimates
EPS & Dividend
Year-on-year evolution of the PER
Change in Enterprise Value/EBITDA
Trading Rating
Investor Rating
ESG Refinitiv
Sell
Buy
Mean consensus
BUY
Number of Analysts
1
Last Close Price
2.2
EUR
Average target price
7.05
EUR
Spread / Average Target
+220.45%
Chiffre d''affaires - Rate of surprise
| 1st Jan change | Capi. | |
|---|---|---|
| -32.24% | 30.58M | |
| +2.00% | 176B | |
| +23.17% | 41B | |
| +6.22% | 40.99B | |
| +34.69% | 15.2B | |
| -32.63% | 10.74B | |
| +31.37% | 9.64B | |
| -22.02% | 9.05B | |
| +55.21% | 6.61B | |
| -6.77% | 5.16B |
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- Financials Integrated System Credit Consulting Fintech S.p.A.