Integrated System Credit Consulting Fintech SpA (MIL:ISC) Cyclically Adjusted Price-to-FCF: (As of Aug. 12, 2026)

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Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

MIL:ISC Integrated System Credit Consulting Fintech SpA MIL:ISC
49 GF Score
Price €0.89
GF Value €2.18
Valuation Possible Value Trap
! 3 Warning Signs
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What is Integrated System Credit Consulting Fintech SpA Cyclically Adjusted Price-to-FCF?

Integrated System Credit Consulting Fintech SpA does not have a history long enough to calculate Cyclically Adjusted FCF per Share. Therefore GuruFocus does not calculate Cyclically Adjusted Price-to-FCF for this company.

Shiller PE for Stocks: The True Measure of Stock Valuation


Integrated System Credit Consulting Fintech SpA  (MIL:ISC) Cyclically Adjusted Price-to-FCF Explanation

Compared with the regular Price-to-Free-Cash-Flow, which works poorly for cyclical businesses, the Cyclically Adjusted Price-to-FCF smoothed out the fluctuations of free cash flow during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted Price-to-FCF should give similar results to regular Price-to-Free-Cash-Flow.


Integrated System Credit Consulting Fintech SpA Cyclically Adjusted Price-to-FCF Related Terms


Integrated System Credit Consulting Fintech SpA Cyclically Adjusted Price-to-FCF Historical Data

* Premium members only.

The historical data trend for Integrated System Credit Consulting Fintech SpA's Cyclically Adjusted Price-to-FCF can be seen below:

* 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 Cyclically Adjusted Price-to-FCF Chart

Integrated System Credit Consulting Fintech SpA Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Price-to-FCF
Get a 7-Day Free Trial 0.00 0.00 0.00 0.00 0.00

Integrated System Credit Consulting Fintech SpA Semi-Annual Data
Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Cyclically Adjusted Price-to-FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

MIL:ISC vs V, MA, AXP: Cyclically Adjusted Price-to-FCF Comparison

For the Credit Services subindustry, Integrated System Credit Consulting Fintech SpA's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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 Cyclically Adjusted Price-to-FCF vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Integrated System Credit Consulting Fintech SpA's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Integrated System Credit Consulting Fintech SpA's Cyclically Adjusted Price-to-FCF falls into.


MIL:ISC
49GF Score
Integrated System Credit Consulting Fintech SpA MIL:ISC
Cyclically Adjusted Price-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Integrated System Credit Consulting Fintech SpA Cyclically Adjusted Price-to-FCF Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted Price-to-FCF takes the Free Cash Flow per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/FCF calculation. Because it considers this 10-year average, it's often referred to as the CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF.

Integrated System Credit Consulting Fintech SpA does not have a history long enough to calculate Cyclically Adjusted FCF per Share. Therefore GuruFocus does not calculate Cyclically Adjusted Price-to-FCF for this company.

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 €0.89 is trading 59.2% below its estimated GF Value™ of €2.18. GuruFocus considers Integrated System Credit Consulting Fintech SpA to be Possible Value Trap.

Key valuation signals for MIL:ISC:

  • Cyclically Adjusted Price-to-FCF:
  • GF Value™: €2.18 vs. price of €0.89 (59.2% below fair value)
  • GF Score™: 49/100 with 3 warning signs

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

Address Via Aldo Barbaro 15, Turin, ITA, 10143
Integrated System Credit Consulting Fintech SpA is engaged in the credit and legal activities related to credit management.
49GF Score

Get the complete analysis for MIL:ISC

Cyclically Adjusted Price-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€0.89
Price
€2.18
GF Value