A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Integrated System Credit Consulting Fintech SpA Debt-to-Equity Related Terms
Integrated System Credit Consulting Fintech SpA Debt-to-Equity 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 Debt-to-Equity Chart
Integrated System Credit Consulting Fintech SpA Annual Data
For the Credit Services subindustry, Integrated System Credit Consulting Fintech SpA's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity 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 Debt-to-Equity of 0.14 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Integrated System Credit Consulting Fintech SpA and its competitors. This is 17% above median its historical median of 0.12. Over the past decade, Integrated System Credit Consulting Fintech SpA's Debt-to-Equity has ranged from 0.09 to 118.18. According to the industry distribution chart, Integrated System Credit Consulting Fintech SpA ranks #70 out of 452 companies in the Credit Services industry, placing it in the top 15.5%.
Is Integrated System Credit Consulting Fintech SpA's Debt-to-Equity too high?
Integrated System Credit Consulting Fintech SpA's current Debt-to-Equity of 0.14 is 17% above median its 10-year median of 0.12. Over the past 10 years, this metric has ranged from a low of 0.09 to a high of 118.18. The Credit Services industry median Debt-to-Equity is 1.23. Integrated System Credit Consulting Fintech SpA's value of 0.14 is 88.6% below this industry median. Based on the distribution chart, Integrated System Credit Consulting Fintech SpA ranks #70 out of 452 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 Debt-to-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Integrated System Credit Consulting Fintech SpA ranks #70 out of 452 companies for Debt-to-Equity. This places Integrated System Credit Consulting Fintech SpA in the top 16% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 1.23. Integrated System Credit Consulting Fintech SpA's value of 0.14 is 88.6% below this benchmark. Historically, Integrated System Credit Consulting Fintech SpA's own Debt-to-Equity has ranged from 0.09 to 118.18 over the past decade. While the company's 10-year median is 0.12 vs. the industry median of 1.23, 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 Debt-to-Equity for a Credit Services company?
The median Debt-to-Equity among Credit Services companies is 1.23, based on 452 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity 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 Debt-to-Equity of 0.14 is 88.6% 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Integrated System Credit Consulting Fintech SpA and its competitors. For the Credit Services industry, the median Debt-to-Equity is 1.23 — 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 Debt-to-Equity is 0.14, which is 17% above median its own 10-year median of 0.12. 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 Debt-to-Equity is 0.14, which is 17% above median its 10-year median of 0.12 and 88.6% below the Credit Services industry median of 1.23. 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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Integrated System Credit Consulting Fintech SpA (MIL:ISC), the current Debt-to-Equity is 0.14 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:
Debt-to-Equity: 0.14 (17% above median its 10-year median of 0.12)
GF Value™: €2.62 vs. price of €0.88 (66.4% below fair value)
Industry Position: 88.6% below the Credit Services median (#70 of 452)
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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