MIL:ISC's Equity-to-Asset is ranked better than 71.01% of 545
companies
in the Credit Services industry
Industry Median: 0.4
vs MIL:ISC: 0.63
Integrated System Credit Consulting Fintech SpA (MIL:ISC) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Integrated System Credit Consulting Fintech SpA Equity-to-Asset Related Terms
Integrated System Credit Consulting Fintech SpA Equity-to-Asset 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 Equity-to-Asset Chart
Integrated System Credit Consulting Fintech SpA Annual Data
For the Credit Services subindustry, Integrated System Credit Consulting Fintech SpA's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Credit Services Industry
Integrated System Credit Consulting Fintech SpA Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
* 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 Equity-to-Asset of 0.63 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Integrated System Credit Consulting Fintech SpA and its competitors. This is near median its historical median of 0.63. Over the past decade, Integrated System Credit Consulting Fintech SpA's Equity-to-Asset has ranged from 0.01 to 0.71. According to the industry distribution chart, Integrated System Credit Consulting Fintech SpA ranks #158 out of 545 companies in the Credit Services industry, placing it in the top 29%.
Is Integrated System Credit Consulting Fintech SpA's Equity-to-Asset too high?
Integrated System Credit Consulting Fintech SpA's current Equity-to-Asset of 0.63 is near median its 10-year median of 0.63. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 0.71. The Credit Services industry median Equity-to-Asset is 0.40. Integrated System Credit Consulting Fintech SpA's value of 0.63 is 57.5% above this industry median. Based on the distribution chart, Integrated System Credit Consulting Fintech SpA ranks #158 out of 545 companies in the Credit Services industry, which is above the industry midpoint. Overall, Integrated System Credit Consulting Fintech SpA has a GF Score™ of 62/100 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 Equity-to-Asset compare to V and MA?
According to the Credit Services industry distribution chart, Integrated System Credit Consulting Fintech SpA ranks #158 out of 545 companies for Equity-to-Asset. This puts Integrated System Credit Consulting Fintech SpA in the upper half of its industry. The industry median Equity-to-Asset is 0.40. Integrated System Credit Consulting Fintech SpA's value of 0.63 is 57.5% above this benchmark. Historically, Integrated System Credit Consulting Fintech SpA's own Equity-to-Asset has ranged from 0.01 to 0.71 over the past decade. While the company's 10-year median is 0.63 vs. the industry median of 0.40, 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 Equity-to-Asset for a Credit Services company?
The median Equity-to-Asset among Credit Services companies is 0.40, based on 545 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset 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 Equity-to-Asset of 0.63 is 57.5% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Integrated System Credit Consulting Fintech SpA and its competitors. For the Credit Services industry, the median Equity-to-Asset is 0.40 — 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 Equity-to-Asset is 0.63, which is near median its own 10-year median of 0.63. 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 €2.64, compared to a current price of €0.84 — trading 68.2% below its estimated fair value. The current Equity-to-Asset is 0.63, which is near median its 10-year median of 0.63 and 57.5% above the Credit Services industry median of 0.40. Integrated System Credit Consulting Fintech SpA's overall GF Score™ is 62/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Integrated System Credit Consulting Fintech SpA (MIL:ISC), the current Equity-to-Asset is 0.63 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 €0.84 is trading 68.2% below its estimated GF Value™ of €2.64.
GuruFocus considers Integrated System Credit Consulting Fintech SpA to be Possible Value Trap.
Key valuation signals for MIL:ISC:
Equity-to-Asset: 0.63 (near median its 10-year median of 0.63)
GF Value™: €2.64 vs. price of €0.84 (68.2% below fair value)
Industry Position: 57.5% above the Credit Services median (#158 of 545)
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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