Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Integrated System Credit Consulting Fintech SpA's cash to debt ratio for the quarter that ended in Dec. 2025 was 0.50.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Integrated System Credit Consulting Fintech SpAcouldn't pay off its debt using the cash in hand for the quarter that ended in Dec. 2025.
MIL:ISC's Cash-to-Debt is ranked better than 64.65% of 512
companies
in the Credit Services industry
Industry Median: 0.19
vs MIL:ISC: 0.50
Integrated System Credit Consulting Fintech SpA (MIL:ISC) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Integrated System Credit Consulting Fintech SpA Cash-to-Debt Related Terms
Integrated System Credit Consulting Fintech SpA Cash-to-Debt 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.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
Integrated System Credit Consulting Fintech SpA Cash-to-Debt 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-to-Debt 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-to-Debt of 0.50 as of Dec. 2025. This is 66% below median its historical median of 1.45. Over the past decade, Integrated System Credit Consulting Fintech SpA's Cash-to-Debt has ranged from 0.05 to 9.91. According to the industry distribution chart, Integrated System Credit Consulting Fintech SpA ranks #181 out of 512 companies in the Credit Services industry, placing it in the top 35.4%.
Is Integrated System Credit Consulting Fintech SpA's Cash-to-Debt too high?
Integrated System Credit Consulting Fintech SpA's current Cash-to-Debt of 0.50 is 66% below median its 10-year median of 1.45. Over the past 10 years, this metric has ranged from a low of 0.05 to a high of 9.91. The Credit Services industry median Cash-to-Debt is 0.19. Integrated System Credit Consulting Fintech SpA's value of 0.50 is 163.2% above this industry median. Based on the distribution chart, Integrated System Credit Consulting Fintech SpA ranks #181 out of 512 companies in the Credit Services industry, which is above the industry midpoint. Overall, Integrated System Credit Consulting Fintech SpA has a GF Score™ of 64/100 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-to-Debt compare to V and MA?
According to the Credit Services industry distribution chart, Integrated System Credit Consulting Fintech SpA ranks #181 out of 512 companies for Cash-to-Debt. This puts Integrated System Credit Consulting Fintech SpA in the upper half of its industry. The industry median Cash-to-Debt is 0.19. Integrated System Credit Consulting Fintech SpA's value of 0.50 is 163.2% above this benchmark. Historically, Integrated System Credit Consulting Fintech SpA's own Cash-to-Debt has ranged from 0.05 to 9.91 over the past decade. While the company's 10-year median is 1.45 vs. the industry median of 0.19, Integrated System Credit Consulting Fintech SpA has consistently been above 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-to-Debt for a Credit Services company?
The median Cash-to-Debt among Credit Services companies is 0.19, based on 512 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt 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-to-Debt of 0.50 is 163.2% above 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-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median Cash-to-Debt is 0.19 — 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-to-Debt is 0.50, which is 66% below median its own 10-year median of 1.45. 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 €2.66, compared to a current price of €0.80 — trading 69.9% below its estimated fair value. The current Cash-to-Debt is 0.50, which is 66% below median its 10-year median of 1.45 and 163.2% above the Credit Services industry median of 0.19. Integrated System Credit Consulting Fintech SpA's overall GF Score™ is 64/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Integrated System Credit Consulting Fintech SpA (MIL:ISC), the current Cash-to-Debt is 0.50 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 €0.80 is trading 69.9% below its estimated GF Value™ of €2.66.
GuruFocus considers Integrated System Credit Consulting Fintech SpA to be Possible Value Trap.
Key valuation signals for MIL:ISC:
Cash-to-Debt: 0.50 (66% below median its 10-year median of 1.45)
GF Value™: €2.66 vs. price of €0.80 (69.9% below fair value)
Industry Position: 163.2% above the Credit Services median (#181 of 512)
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
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