Graham Number is a figure that measures a stock's fundamental value by taking into account the company's earnings per share and book value per share. The Graham number is the upper bound of the price range that a defensive investor should pay for the stock. According to the theory, any stock price below the Graham number is considered undervalued, and thus worth investing in.
MIL:ISC's Price-to-Graham-Number is not ranked *
in the Credit Services industry.
Industry Median: 0.815 * Ranked among companies with meaningful Price-to-Graham-Number only.
Graham Number is a combination of asset valuation and earnings power valuation. It is a very conservative way of valuing a stock.
Integrated System Credit Consulting Fintech SpA (MIL:ISC) Graham Number Explanation
Ben Graham actually did not publish a formula like this. But he wrote in The Intelligent Investor (1948 version) regarding to the criteria for purchases:
Current price should not be more than 15 times average earnings of the past three years.
Current price should not be more than 1.5 times the book value last reported. However, a multiplier of earnings below 15 could justify a correspondingly higher multiplier of assets. As a rule of thumb we suggest that the product of the multiplier times the ratio of price to book value should not exceed 22.5. (This figure corresponds to 15 times earnings and 1.5 times book value. It would admit an issue selling at only 9 times earnings and 2.5 times asset value, etc.)
Unlike valuation methods such as DCF or Discounted Earnings, the Graham number does not take growth into the valuation. Unlike the valuation methods based on book value alone, it takes into account the earnings power. Therefore, the Graham Number is a combination of asset valuation and earnings power valuation.
In general, the Graham number is a very conservative way of valuing a stock. It cannot be applied to companies with negative book values.
Integrated System Credit Consulting Fintech SpA's Price to Graham number Ratio for today is calculated as
Price to Graham number
=
Share Price (Today)
/
Graham number (Q: Dec. 2025 )
=
0.89
/
N/A
=
N/A
* 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.
Be Aware
Please keep these in mind:
1. Graham Number does not take growth into account. Therefore it underestimates the values of the companies that have good earnings growth. We feel that if the earnings per share grows more than 10% a year, Graham Number underestimates the value.
2. Graham Number punishes the companies that have temporarily low earnings. Therefore, an average of earnings makes more sense in the calculation of Graham Number.
3. Graham Numbers underestimates companies that are light with book.
Integrated System Credit Consulting Fintech SpA Graham Number Related Terms
Integrated System Credit Consulting Fintech SpA Graham Number 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 Graham Number Chart
Integrated System Credit Consulting Fintech SpA Annual Data
For the Credit Services subindustry, Integrated System Credit Consulting Fintech SpA's Price-to-Graham-Number, along with its competitors' market caps and Price-to-Graham-Number 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 Price-to-Graham-Number 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 Graham Number of €N/A as of Dec. 2025. The Graham Number values a company based on its per-share earnings and book value. View historical data on Integrated System Credit Consulting Fintech SpA and its competitors. Over the past decade, Integrated System Credit Consulting Fintech SpA's Graham Number has ranged from 1.76 to 28.78. According to the industry distribution chart, Integrated System Credit Consulting Fintech SpA ranks #999999 out of 402 companies in the Credit Services industry.
Is Integrated System Credit Consulting Fintech SpA's Graham Number too high?
Integrated System Credit Consulting Fintech SpA's current Graham Number is €N/A. Over the past 10 years, this metric has ranged from a low of 1.76 to a high of 28.78. Based on the distribution chart, Integrated System Credit Consulting Fintech SpA ranks #999999 out of 402 companies in the Credit Services industry, which is in the bottom quartile 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 Graham Number compare to V and MA?
According to the Credit Services industry distribution chart, Integrated System Credit Consulting Fintech SpA ranks #999999 out of 402 companies for Graham Number. This places Integrated System Credit Consulting Fintech SpA in the lower half of its industry. The industry median Graham Number is 0.82. Historically, Integrated System Credit Consulting Fintech SpA's own Graham Number has ranged from 1.76 to 28.78 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Graham Number for a Credit Services company?
The median Graham Number among Credit Services companies is 0.82, based on 402 companies in the industry. Companies in the top quartile (top 25%) have a Graham Number significantly above this median, while those in the bottom quartile fall well below. However, Graham Number 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 Graham Number mean?
A high Graham Number can signal that a stock is expensive relative to its fundamentals. The Graham Number values a company based on its per-share earnings and book value. View historical data on Integrated System Credit Consulting Fintech SpA and its competitors. For the Credit Services industry, the median Graham Number is 0.82 — 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 Graham Number is €N/A. 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 €0.89 — trading 66% below its estimated fair value. The current Graham Number is €N/A. 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 Graham Number calculated?
Graham Number is calculated from a company's financial statements. For Integrated System Credit Consulting Fintech SpA (MIL:ISC), the current Graham Number is €N/A 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 €0.89 is trading 66% 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:
Graham Number: €N/A
GF Value™: €2.62 vs. price of €0.89 (66% below fair value)
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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