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Integrated System Credit Consulting Fintech SpAMIL:ISC 66 3-Year FCF Growth Rate is 40.30% as of Dec. 2025, which is 6100% above its 10-year median of 0.65. GuruFocus rates MIL:ISC with a GF Score™ of 66/100 and a GF Value™ of €2.69 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 308 Credit Services companies, Integrated System Credit Consulting Fintech SpA ranks better than 82.14% on this metric.
During the past 12 months, Integrated System Credit Consulting Fintech SpA's average Free Cash Flow per Share Growth Rate was -1914.30% per year.
During the past 3 years, the average Free Cash Flow per Share Growth Rate was 40.30% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Free Cash Flow per Share growth rate.
During the past 6 years, the highest 3-Year average Free Cash Flow per Share Growth Rate of Integrated System Credit Consulting Fintech SpA was 40.30% per year. The lowest was -39.00% per year. And the median was 0.65% per year.
Free Cash Flow per Share is the amount of Free Cash Flow per outstanding share of the company's stock. Free Cash Flow is considered one of the most important parameters to measure a company's earnings power by value investors because it is not subject to estimates of Depreciation, Depletion and Amortization (DDA). However, when we look at the Free Cash Flow, we should look from a long term perspective, because any year's Free Cash Flow can be drastically affected by the spending on Property, Plant, & Equipment (PPE) of the business in that year. Over the long term, Free Cash Flow should give pretty good picture on the real earnings power of the company. It's used in the calculation of Forward Rate of Return (Yacktman) %.
Integrated System Credit Consulting Fintech SpA 3-Year FCF Growth Rate Related Terms
MIL:ISC vs V, MA, AXP: 3-Year FCF Growth Rate Comparison
For the Credit Services subindustry, Integrated System Credit Consulting Fintech SpA's 3-Year FCF Growth Rate, along with its competitors' market caps and 3-Year FCF Growth Rate data, can be viewed below:
* 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 3-Year FCF Growth Rate vs Credit Services Industry
This is the 3-year average growth rate of Free Cash Flow per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Free Cash Flow per Share growth rate.
What does a 3-Year FCF Growth Rate of 40.30% mean?
Integrated System Credit Consulting Fintech SpA (MIL:ISC) has a 3-Year FCF Growth Rate of 40.30% as of Dec. 2025. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for Integrated System Credit Consulting Fintech SpA and its competitors. This is 6100% above median its historical median of 0.65. According to the industry distribution chart, Integrated System Credit Consulting Fintech SpA ranks #55 out of 308 companies in the Credit Services industry, placing it in the top 17.9%.
Is Integrated System Credit Consulting Fintech SpA's 3-Year FCF Growth Rate too high?
Integrated System Credit Consulting Fintech SpA's current 3-Year FCF Growth Rate of 40.30% is 6100% above median its 10-year median of 0.65. Based on the distribution chart, Integrated System Credit Consulting Fintech SpA ranks #55 out of 308 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Integrated System Credit Consulting Fintech SpA has a GF Score™ of 66/100 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 3-Year FCF Growth Rate compare to V and MA?
According to the Credit Services industry distribution chart, Integrated System Credit Consulting Fintech SpA ranks #55 out of 308 companies for 3-Year FCF Growth Rate. This places Integrated System Credit Consulting Fintech SpA in the top 18% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year FCF Growth Rate for a Credit Services company?
A good 3-Year FCF Growth Rate depends on the Credit Services industry context. However, 3-Year FCF Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year FCF Growth Rate mean?
A high 3-Year FCF Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for Integrated System Credit Consulting Fintech SpA and its competitors. Integrated System Credit Consulting Fintech SpA's current 3-Year FCF Growth Rate is 40.30%, which is 6100% above median its own 10-year median of 0.65. 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 €2.69, compared to a current price of €0.80 — trading 70.3% below its estimated fair value. The current 3-Year FCF Growth Rate is 40.30%, which is 6100% above median its 10-year median of 0.65. Integrated System Credit Consulting Fintech SpA's overall GF Score™ is 66/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year FCF Growth Rate calculated?
3-Year FCF Growth Rate is calculated from a company's financial statements. For Integrated System Credit Consulting Fintech SpA (MIL:ISC), the current 3-Year FCF Growth Rate is 40.30% 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 70.3% below its estimated GF Value™ of €2.69.
GuruFocus considers Integrated System Credit Consulting Fintech SpA to be Possible Value Trap.
Key valuation signals for MIL:ISC:
3-Year FCF Growth Rate: 40.30% (6100% above median its 10-year median of 0.65)
GF Value™: €2.69 vs. price of €0.80 (70.3% below fair value)
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.
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