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Degree of Financial Leverage (DFL) measures the percentage change in EPS for a unit change in Earnings Before Interest and Taxes (EBIT).
Integrated System Credit Consulting Fintech SpA's Degree of Financial Leverage for the quarter that ended in Dec. 2025 was 1.24. The higher Degree of Financial Leverage, the more volatile earnings will be.
MIL:ISC's Degree of Financial Leverage is ranked worse than 67.39% of 414
companies
in the Credit Services industry
Industry Median: 0.965
vs MIL:ISC: 1.24
Integrated System Credit Consulting Fintech SpA (MIL:ISC) Degree of Financial Leverage Explanation
Degree of Financial Leverage (DFL) is a leverage ratio that measures the sensitivity of a company’s Earnings per Share (EPS) to fluctuations in its operating income, also referred to as Earnings Before Interest and Taxes (EBIT), resulting from adjustments in its capital structure. DFL is an essential tool for companies to assess the appropriate level of debt or financial leverage in their capital structure. When EBIT remains relatively stable, it results in stable earnings and earnings per share. In such cases, the company may consider taking on substantial debt. However, for companies operating in industries with significant fluctuations in EBIT, it is advisable to keep debt at a manageable level.
The higher Degree of Financial Leverage, the more volatile earnings will be. Because interest is a fixed expense, leverage can amplify earnings and EPS. This is beneficial when EBIT is growing, but it can become problematic in tough economic conditions when EBIT is under pressure.
Be Aware
The use of financial leverage varies across different industries and business sectors, and the application of Degree of Financial Leverage (DFL) should be adjusted accordingly.
Integrated System Credit Consulting Fintech SpA Degree of Financial Leverage Related Terms
Integrated System Credit Consulting Fintech SpA Degree of Financial Leverage 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 Degree of Financial Leverage Chart
Integrated System Credit Consulting Fintech SpA Annual Data
MIL:ISC vs V, MA, AXP: Degree of Financial Leverage Comparison
For the Credit Services subindustry, Integrated System Credit Consulting Fintech SpA's Degree of Financial Leverage, along with its competitors' market caps and Degree of Financial Leverage 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 Degree of Financial Leverage 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.
** TTM data of EPS and EBIT was used to calculate Degree of Financial Leverage.
*** Please be aware that the Degree of Financial Leverage calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
What does a Degree of Financial Leverage of 1.24 mean?
Integrated System Credit Consulting Fintech SpA (MIL:ISC) has a Degree of Financial Leverage of 1.24 as of Dec. 2025. Degree of Financial Leverage (DFL) measures the percentage change in EPS for a unit change in EBIT. View historical data for Integrated System Credit Consulting Fintech SpA and its competitors. According to the industry distribution chart, Integrated System Credit Consulting Fintech SpA ranks #279 out of 414 companies in the Credit Services industry, placing it in the top 67.4%.
Is Integrated System Credit Consulting Fintech SpA's Degree of Financial Leverage too high?
Integrated System Credit Consulting Fintech SpA's current Degree of Financial Leverage is 1.24. The Credit Services industry median Degree of Financial Leverage is 0.97. Integrated System Credit Consulting Fintech SpA's value of 1.24 is 28.5% above this industry median. Based on the distribution chart, Integrated System Credit Consulting Fintech SpA ranks #279 out of 414 companies in the Credit Services industry, which is below the industry midpoint. Overall, Integrated System Credit Consulting Fintech SpA has a GF Score™ of 65/100 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 Degree of Financial Leverage compare to V and MA?
According to the Credit Services industry distribution chart, Integrated System Credit Consulting Fintech SpA ranks #279 out of 414 companies for Degree of Financial Leverage. This places Integrated System Credit Consulting Fintech SpA in the lower half of its industry. The industry median Degree of Financial Leverage is 0.97. Integrated System Credit Consulting Fintech SpA's value of 1.24 is 28.5% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Degree of Financial Leverage for a Credit Services company?
The median Degree of Financial Leverage among Credit Services companies is 0.97, based on 414 companies in the industry. Companies in the top quartile (top 25%) have a Degree of Financial Leverage significantly above this median, while those in the bottom quartile fall well below. However, Degree of Financial Leverage 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 Degree of Financial Leverage of 1.24 is 28.5% 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 Degree of Financial Leverage mean?
A high Degree of Financial Leverage can signal that a stock is expensive relative to its fundamentals. Degree of Financial Leverage (DFL) measures the percentage change in EPS for a unit change in EBIT. View historical data for Integrated System Credit Consulting Fintech SpA and its competitors. For the Credit Services industry, the median Degree of Financial Leverage is 0.97 — 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 Degree of Financial Leverage is 1.24. 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 €2.86, compared to a current price of €0.97 — trading 66.2% below its estimated fair value. The current Degree of Financial Leverage is 1.24 and 28.5% above the Credit Services industry median of 0.97. Integrated System Credit Consulting Fintech SpA's overall GF Score™ is 65/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Degree of Financial Leverage calculated?
Degree of Financial Leverage is calculated from a company's financial statements. For Integrated System Credit Consulting Fintech SpA (MIL:ISC), the current Degree of Financial Leverage is 1.24 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 €0.97 is trading 66.2% below its estimated GF Value™ of €2.86.
GuruFocus considers Integrated System Credit Consulting Fintech SpA to be Possible Value Trap.
Key valuation signals for MIL:ISC:
Degree of Financial Leverage: 1.24
GF Value™: €2.86 vs. price of €0.97 (66.2% below fair value)
Industry Position: 28.5% above the Credit Services median (#279 of 414)
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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