* 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 Days Payable 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 Days Payable vs Credit Services Industry
Integrated System Credit Consulting Fintech SpA Days Payable Calculation
Days Payable indicates the number of days that the account payable relative to cost of goods sold the company has. An increase of Days Payable may suggest that the company delays paying its suppliers.
* 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 Days Payable of 620.98 as of Dec. 2025. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Integrated System Credit Consulting Fintech SpA and its competitors. This is 14% below median its historical median of 718.94. Over the past decade, Integrated System Credit Consulting Fintech SpA's Days Payable has ranged from 540.62 to 1,081.51. According to the industry distribution chart, Integrated System Credit Consulting Fintech SpA ranks #25 out of 302 companies in the Credit Services industry, placing it in the top 8.3%.
Is Integrated System Credit Consulting Fintech SpA's Days Payable too high?
Integrated System Credit Consulting Fintech SpA's current Days Payable of 620.98 is 14% below median its 10-year median of 718.94. Over the past 10 years, this metric has ranged from a low of 540.62 to a high of 1,081.51. The Credit Services industry median Days Payable is 33.41. Integrated System Credit Consulting Fintech SpA's value of 620.98 is 1758.9% above this industry median. Based on the distribution chart, Integrated System Credit Consulting Fintech SpA ranks #25 out of 302 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 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 Days Payable compare to V and MA?
According to the Credit Services industry distribution chart, Integrated System Credit Consulting Fintech SpA ranks #25 out of 302 companies for Days Payable. This places Integrated System Credit Consulting Fintech SpA in the top 8% of its industry — outperforming the majority of peers. The industry median Days Payable is 33.41. Integrated System Credit Consulting Fintech SpA's value of 620.98 is 1758.9% above this benchmark. Historically, Integrated System Credit Consulting Fintech SpA's own Days Payable has ranged from 540.62 to 1,081.51 over the past decade. While the company's 10-year median is 718.94 vs. the industry median of 33.41, 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 Days Payable for a Credit Services company?
The median Days Payable among Credit Services companies is 33.41, based on 302 companies in the industry. Companies in the top quartile (top 25%) have a Days Payable significantly above this median, while those in the bottom quartile fall well below. However, Days Payable 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 Days Payable of 620.98 is 1758.9% 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 Days Payable mean?
A high Days Payable can signal that a stock is expensive relative to its fundamentals. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Integrated System Credit Consulting Fintech SpA and its competitors. For the Credit Services industry, the median Days Payable is 33.41 — 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 Days Payable is 620.98, which is 14% below median its own 10-year median of 718.94. 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 €0.90 — trading 65.6% below its estimated fair value. The current Days Payable is 620.98, which is 14% below median its 10-year median of 718.94 and 1758.9% above the Credit Services industry median of 33.41. 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 Days Payable calculated?
Days Payable is calculated from a company's financial statements. For Integrated System Credit Consulting Fintech SpA (MIL:ISC), the current Days Payable is 620.98 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 €0.90 is trading 65.6% 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:
Days Payable: 620.98 (14% below median its 10-year median of 718.94)
GF Value™: €2.62 vs. price of €0.90 (65.6% below fair value)
Industry Position: 1758.9% above the Credit Services median (#25 of 302)
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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