Warren Buffett believes that firms with excellent long term economics tend to have consistently higher margins.
Durable competitive advantage creates a high Gross Margin % because of the freedom to price in excess of cost. Companies can be categorized by their Gross Margin %
1. Greater than 40% = Durable competitive advantage
2. Less than 40% = Competition eroding margins
3. Less than 20% = no sustainable competitive advantage
Consistency of Gross Margin is key
Integrated System Credit Consulting Fintech SpA had a gross margin of 71.90% for the quarter that ended in Dec. 2025 => Durable competitive advantage
Be Aware
If a company loses its competitive advantages, usually its gross margin declines well before its sales declines. Watching Gross Margin % and Operating Margin % closely helps avoid value trap situations.
Integrated System Credit Consulting Fintech SpA Gross Margin % Related Terms
Integrated System Credit Consulting Fintech SpA Gross Margin % 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 Gross Margin % Chart
Integrated System Credit Consulting Fintech SpA Annual Data
For the Credit Services subindustry, Integrated System Credit Consulting Fintech SpA's Gross Margin %, along with its competitors' market caps and Gross Margin % 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 Gross Margin % 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.
A positive Gross Profit is only the first step for a company to make a net profit. The gross profit needs to be big enough to also cover related labor, equipment, rental, marketing/advertising, research and development and a lot of other costs in selling the products.
Integrated System Credit Consulting Fintech SpA (MIL:ISC) has a Gross Margin % of 71.90% as of Dec. 2025. Gross margin is the ratio of total gross profit to net sales. View historical data on Integrated System Credit Consulting Fintech SpA and its competitors. This is 10% below median its historical median of 80.33. Over the past decade, Integrated System Credit Consulting Fintech SpA's Gross Margin % has ranged from 56.66 to 87.74. According to the industry distribution chart, Integrated System Credit Consulting Fintech SpA ranks #80 out of 388 companies in the Credit Services industry, placing it in the top 20.6%.
Is Integrated System Credit Consulting Fintech SpA's Gross Margin % too high?
Integrated System Credit Consulting Fintech SpA's current Gross Margin % of 71.90% is 10% below median its 10-year median of 80.33. Over the past 10 years, this metric has ranged from a low of 56.66 to a high of 87.74. The Credit Services industry median Gross Margin % is 51.85. Integrated System Credit Consulting Fintech SpA's value of 71.90% is 38.7% above this industry median. Based on the distribution chart, Integrated System Credit Consulting Fintech SpA ranks #80 out of 388 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 Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Integrated System Credit Consulting Fintech SpA ranks #80 out of 388 companies for Gross Margin %. This places Integrated System Credit Consulting Fintech SpA in the top 21% of its industry — outperforming the majority of peers. The industry median Gross Margin % is 51.85. Integrated System Credit Consulting Fintech SpA's value of 71.90% is 38.7% above this benchmark. Historically, Integrated System Credit Consulting Fintech SpA's own Gross Margin % has ranged from 56.66 to 87.74 over the past decade. While the company's 10-year median is 80.33 vs. the industry median of 51.85, 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 Gross Margin % for a Credit Services company?
The median Gross Margin % among Credit Services companies is 51.85, based on 388 companies in the industry. Companies in the top quartile (top 25%) have a Gross Margin % significantly above this median, while those in the bottom quartile fall well below. However, Gross Margin % 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 Gross Margin % of 71.90% is 38.7% 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 Gross Margin % mean?
A high Gross Margin % can signal that a stock is expensive relative to its fundamentals. Gross margin is the ratio of total gross profit to net sales. View historical data on Integrated System Credit Consulting Fintech SpA and its competitors. For the Credit Services industry, the median Gross Margin % is 51.85 — 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 Gross Margin % is 71.90%, which is 10% below median its own 10-year median of 80.33. 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 Gross Margin % is 71.90%, which is 10% below median its 10-year median of 80.33 and 38.7% above the Credit Services industry median of 51.85. 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 Gross Margin % calculated?
Gross Margin % is calculated from a company's financial statements. For Integrated System Credit Consulting Fintech SpA (MIL:ISC), the current Gross Margin % is 71.90% 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 €0.90 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:
Gross Margin %: 71.90% (10% below median its 10-year median of 80.33)
GF Value™: €2.62 vs. price of €0.90 (65.6% below fair value)
Industry Position: 38.7% above the Credit Services median (#80 of 388)
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
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
MIL:ISC has been successfully added to your 
