Integrated System Credit Consulting Fintech SpA has a Cash Ratio of 0.22. It indicates that there are more current liabilities than Cash, Cash Equivalents, Marketable Securities, and the company does not have sufficient cash on hand to pay off its short-term debt.
MIL:ISC's Cash Ratio is ranked worse than 71.5% of 386
companies
in the Credit Services industry
Industry Median: 0.66
vs MIL:ISC: 0.22
Integrated System Credit Consulting Fintech SpA (MIL:ISC) Cash Ratio Explanation
The cash ratio is more conservative than other liquidity ratios, such as Quick Ratio and Current Ratio, because it only considers a company's most liquid resources. The numerator of cash ratio only considers Cash, Cash Equivalents and marketable securities. Other current assets, such as accounts receivable and inventories, are not included. The rationale is that these assets may require time to be transformed into cash, and the amount of money received is also uncertain.
The cash ratio shows a company’s ability to pay all current liabilities immediately without selling or liquidating other assets. Generally speaking, a higher cash ratio suggests the company has a stronger ability to cover its short-term debt. However, a high cash ratio could also indicate inefficient management: the company is inefficient in making full utilization of cash to invest protential profitable project. It may also suggest that the company is not confident about future profitability.
In general, the higher the cash ratio, the better the company's liquidity position.
Integrated System Credit Consulting Fintech SpA Cash Ratio Related Terms
Integrated System Credit Consulting Fintech SpA Cash Ratio Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Integrated System Credit Consulting Fintech SpA Cash Ratio Chart
Integrated System Credit Consulting Fintech SpA Annual Data
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Integrated System Credit Consulting Fintech SpA Cash Ratio vs Credit Services Industry
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Integrated System Credit Consulting Fintech SpA (MIL:ISC) has a Cash Ratio of 0.22 as of Dec. 2025. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on Integrated System Credit Consulting Fintech SpA and its competitors. This is 61% below median its historical median of 0.56. Over the past decade, Integrated System Credit Consulting Fintech SpA's Cash Ratio has ranged from 0.22 to 6.98. According to the industry distribution chart, Integrated System Credit Consulting Fintech SpA ranks #276 out of 386 companies in the Credit Services industry, placing it in the top 71.5%.
Is Integrated System Credit Consulting Fintech SpA's Cash Ratio too high?
Integrated System Credit Consulting Fintech SpA's current Cash Ratio of 0.22 is 61% below median its 10-year median of 0.56. Over the past 10 years, this metric has ranged from a low of 0.22 to a high of 6.98. The Credit Services industry median Cash Ratio is 0.66. Integrated System Credit Consulting Fintech SpA's value of 0.22 is 66.7% below this industry median. Based on the distribution chart, Integrated System Credit Consulting Fintech SpA ranks #276 out of 386 companies in the Credit Services industry, which is below the industry midpoint. Overall, Integrated System Credit Consulting Fintech SpA has a GF Score™ of 60/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Integrated System Credit Consulting Fintech SpA's Cash Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Integrated System Credit Consulting Fintech SpA ranks #276 out of 386 companies for Cash Ratio. This places Integrated System Credit Consulting Fintech SpA in the lower half of its industry. The industry median Cash Ratio is 0.66. Integrated System Credit Consulting Fintech SpA's value of 0.22 is 66.7% below this benchmark. Historically, Integrated System Credit Consulting Fintech SpA's own Cash Ratio has ranged from 0.22 to 6.98 over the past decade. While the company's 10-year median is 0.56 vs. the industry median of 0.66, Integrated System Credit Consulting Fintech SpA has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash Ratio for a Credit Services company?
The median Cash Ratio among Credit Services companies is 0.66, based on 386 companies in the industry. Companies in the top quartile (top 25%) have a Cash Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cash Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Integrated System Credit Consulting Fintech SpA's current Cash Ratio of 0.22 is 66.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash Ratio mean?
A high Cash Ratio can signal that a stock is expensive relative to its fundamentals. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on Integrated System Credit Consulting Fintech SpA and its competitors. For the Credit Services industry, the median Cash Ratio is 0.66 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Integrated System Credit Consulting Fintech SpA's current Cash Ratio is 0.22, which is 61% below median its own 10-year median of 0.56. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Integrated System Credit Consulting Fintech SpA stock overvalued right now?
Based on GuruFocus' analysis, Integrated System Credit Consulting Fintech SpA (MIL:ISC) is currently considered Possible Value Trap. The stock's GF Value™ is €2.62, compared to a current price of €0.88 — trading 66.4% below its estimated fair value. The current Cash Ratio is 0.22, which is 61% below median its 10-year median of 0.56 and 66.7% below the Credit Services industry median of 0.66. Integrated System Credit Consulting Fintech SpA's overall GF Score™ is 60/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Ratio calculated?
Cash Ratio is calculated from a company's financial statements. For Integrated System Credit Consulting Fintech SpA (MIL:ISC), the current Cash Ratio is 0.22 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Integrated System Credit Consulting Fintech SpA (MIL:ISC) Overvalued in 2026?
Based on GuruFocus' analysis, Integrated System Credit Consulting Fintech SpA stock appears to be undervalued.
The current stock price of €0.88 is trading 66.4% below its estimated GF Value™ of €2.62.
GuruFocus considers Integrated System Credit Consulting Fintech SpA to be Possible Value Trap.
Key valuation signals for MIL:ISC:
Cash Ratio: 0.22 (61% below median its 10-year median of 0.56)
GF Value™: €2.62 vs. price of €0.88 (66.4% below fair value)
Industry Position: 66.7% below the Credit Services median (#276 of 386)
No single metric tells the full story. See the MIL:ISC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Integrated System Credit Consulting Fintech SpA Business Description
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
MIL:ISC has been successfully added to your 
