Integrated System Credit Consulting Fintech SpA (MIL:ISC) FCF Yield %: -14.07 (As of Jun. 25, 2026)


MIL:ISC Integrated System Credit Consulting Fintech SpA MIL:ISC
60 GF Score
Price €0.90
GF Value €2.62
Valuation Possible Value Trap
! 3 Warning Signs
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What is Integrated System Credit Consulting Fintech SpA FCF Yield %?

Integrated System Credit Consulting Fintech SpA MIL:ISC -3.02% 60 FCF Yield % is -14.07 as of Jun. 25, 2026. GuruFocus rates MIL:ISC with a GF Score™ of 60/100 and a GF Value™ of €2.62 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 541 Credit Services companies, Integrated System Credit Consulting Fintech SpA ranks worse than 74.49% on this metric.

FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.

As of today, Integrated System Credit Consulting Fintech SpA's Trailing 12-Month Free Cash Flow is €-1.63 Mil, and Market Cap is €11.61 Mil. Therefore, Integrated System Credit Consulting Fintech SpA's FCF Yield % for today is -14.07%.

The historical rank and industry rank for Integrated System Credit Consulting Fintech SpA's FCF Yield % or its related term are showing as below:

MIL:ISC' s FCF Yield % Range Over the Past 10 Years
Min: -19.41   Med: -9.6   Max: 0.69
Current: -14.07


During the past 6 years, the highest FCF Yield % of Integrated System Credit Consulting Fintech SpA was 0.69%. The lowest was -19.41%. And the median was -9.60%.

MIL:ISC's FCF Yield % is ranked worse than
74.49% of 541 companies
in the Credit Services industry
Industry Median: -0.38 vs MIL:ISC: -14.07

Integrated System Credit Consulting Fintech SpA's FCF Margin % for the quarter that ended in Dec. 2025 was -44.35%.


Integrated System Credit Consulting Fintech SpA FCF Yield % Explanation

Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.


Integrated System Credit Consulting Fintech SpA FCF Yield % Related Terms


Integrated System Credit Consulting Fintech SpA FCF Yield % Historical Data

* Premium members only.

The historical data trend for Integrated System Credit Consulting Fintech SpA's FCF Yield % 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 FCF Yield % Chart

Integrated System Credit Consulting Fintech SpA Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Yield %
Get a 7-Day Free Trial -2.11 -11.54 -7.71 0.33 -13.08

Integrated System Credit Consulting Fintech SpA Semi-Annual Data
Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
FCF Yield % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only -9.04 8.20 -10.13 -5.14 -18.18

MIL:ISC vs V, MA, AXP: FCF Yield % Comparison

For the Credit Services subindustry, Integrated System Credit Consulting Fintech SpA's FCF Yield %, along with its competitors' market caps and FCF Yield % 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 FCF Yield % vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Integrated System Credit Consulting Fintech SpA's FCF Yield % distribution charts can be found below:

* The bar in red indicates where Integrated System Credit Consulting Fintech SpA's FCF Yield % falls into.


MIL:ISC
60GF Score
Integrated System Credit Consulting Fintech SpA MIL:ISC
FCF Yield % is just one metric. See GF Score™, valuation, warning signs, and more.
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Integrated System Credit Consulting Fintech SpA FCF Yield % Calculation

FCF Yield % is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.

Integrated System Credit Consulting Fintech SpA's FCF Yield % for the fiscal year that ended in Dec. 2025 is calculated as

FCF Yield %=Free Cash Flow / Market Cap
=-1.633 / 12.4872
=-13.08%

Integrated System Credit Consulting Fintech SpA's annualized FCF Yield % for the quarter that ended in Dec. 2025 is calculated as

FCF Yield %=Free Cash Flow * Annualized Factor / Market Cap
=-1.135 * 2 / 12.4872
=-18.18%

* 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.

Frequently Asked Questions Learn more about FCF Yield % →
What does a FCF Yield % of -14.07 mean?
Integrated System Credit Consulting Fintech SpA (MIL:ISC) has a FCF Yield % of -14.07 as of Jun. 25, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Integrated System Credit Consulting Fintech SpA and its competitors. According to the industry distribution chart, Integrated System Credit Consulting Fintech SpA ranks #403 out of 541 companies in the Credit Services industry, placing it in the top 74.5%.
Is Integrated System Credit Consulting Fintech SpA's FCF Yield % too high?
Integrated System Credit Consulting Fintech SpA's current FCF Yield % is -14.07. Based on the distribution chart, Integrated System Credit Consulting Fintech SpA ranks #403 out of 541 companies in the Credit Services industry, which is below the industry midpoint. 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 FCF Yield % compare to V and MA?
According to the Credit Services industry distribution chart, Integrated System Credit Consulting Fintech SpA ranks #403 out of 541 companies for FCF Yield %. This places Integrated System Credit Consulting Fintech SpA in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Yield % for a Credit Services company?
A good FCF Yield % depends on the Credit Services industry context. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Integrated System Credit Consulting Fintech SpA and its competitors. Integrated System Credit Consulting Fintech SpA's current FCF Yield % is -14.07. 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 FCF Yield % is -14.07. 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 FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Integrated System Credit Consulting Fintech SpA (MIL:ISC), the current FCF Yield % is -14.07 as of Jun. 25, 2026. 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:

  • FCF Yield %: -14.07
  • GF Value™: €2.62 vs. price of €0.90 (65.6% below fair value)
  • GF Score™: 60/100 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.
60GF Score

Get the complete analysis for MIL:ISC

FCF Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€0.90
Price
€2.62
GF Value