Integrated System Credit Consulting Fintech SpA (MIL:ISC) YoY EBITDA Growth: -190.91% (As of Dec. 2025)


MIL:ISC Integrated System Credit Consulting Fintech SpA MIL:ISC
60 GF Score
Price €0.80
GF Value €2.65
Valuation Possible Value Trap
! 3 Warning Signs
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What is Integrated System Credit Consulting Fintech SpA YoY EBITDA Growth?

Integrated System Credit Consulting Fintech SpA MIL:ISC -5.88% 60 YoY EBITDA Growth is -190.91% as of Dec. 2025. GuruFocus rates MIL:ISC with a GF Score™ of 60/100 and a GF Value™ of €2.65 (Possible Value Trap). The stock has 3 warning signs investors should review.

YoY EBITDA Growth is the percentage change of EBITDA per Share over the past twelve months. Integrated System Credit Consulting Fintech SpA's YoY EBITDA Growth for the quarter that ended in Dec. 2025 was -190.91%.

Integrated System Credit Consulting Fintech SpA's EBITDA per Share for the six months ended in Dec. 2025 was €-0.07.

Integrated System Credit Consulting Fintech SpA YoY EBITDA Growth Related Terms

Integrated System Credit Consulting Fintech SpA YoY EBITDA Growth Historical Data

* Premium members only.

The historical data trend for Integrated System Credit Consulting Fintech SpA's YoY EBITDA Growth 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 YoY EBITDA Growth Chart

Integrated System Credit Consulting Fintech SpA Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
YoY EBITDA Growth
Get a 7-Day Free Trial -28.57 855.56 -383.82 193.78 -155.25

Integrated System Credit Consulting Fintech SpA Semi-Annual Data
Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
YoY EBITDA Growth Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only -190.00 238.16 165.81 -129.52 -190.91
MIL:ISC
60GF Score
Integrated System Credit Consulting Fintech SpA MIL:ISC
YoY EBITDA Growth is just one metric. See GF Score™, valuation, warning signs, and more.
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Integrated System Credit Consulting Fintech SpA YoY EBITDA Growth Calculation

YoY EBITDA Growth is the percentage change of EBITDA per Share over the past twelve months.

Integrated System Credit Consulting Fintech SpA's YoY EBITDA Growth for the fiscal year that ended in Dec. 2025 is calculated as:

YoY EBITDA Growth (A: Dec. 2025 )
=(EBITDA per Share (A: Dec. 2025 )-EBITDA per Share (A: Dec. 2024 ))/ | EBITDA per Share (A: Dec. 2024 ) |
=(-0.1-0.181)/ | 0.181 |
=-155.25 %

Integrated System Credit Consulting Fintech SpA's YoY EBITDA Growth for the quarter that ended in Dec. 2025 is calculated as:

YoY EBITDA Growth (Q: Dec. 2025 )
=(EBITDA per Share (Q: Dec. 2025 )-EBITDA per Share (Q: Dec. 2024 )) / | EBITDA per Share (Q: Dec. 2024 )) |
=(-0.07-0.077)/ | 0.077 |
=-190.91 %

* 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 YoY EBITDA Growth →
What does a YoY EBITDA Growth of -190.91% mean?
Integrated System Credit Consulting Fintech SpA (MIL:ISC) has a YoY EBITDA Growth of -190.91% as of Dec. 2025. YoY EBITDA Growth is the percentage change of EBITDA per share over the past 12-month. View historical data for Integrated System Credit Consulting Fintech SpA and its competitors.
Is Integrated System Credit Consulting Fintech SpA's YoY EBITDA Growth too high?
Integrated System Credit Consulting Fintech SpA's current YoY EBITDA Growth is -190.91%. 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 YoY EBITDA Growth compare to V and MA?
Integrated System Credit Consulting Fintech SpA's YoY EBITDA Growth of -190.91% can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good YoY EBITDA Growth for a Credit Services company?
A good YoY EBITDA Growth depends on the Credit Services industry context. However, YoY EBITDA Growth 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 YoY EBITDA Growth mean?
A high YoY EBITDA Growth can signal that a stock is expensive relative to its fundamentals. YoY EBITDA Growth is the percentage change of EBITDA per share over the past 12-month. View historical data for Integrated System Credit Consulting Fintech SpA and its competitors. Integrated System Credit Consulting Fintech SpA's current YoY EBITDA Growth is -190.91%. 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 €2.65, compared to a current price of €0.80 — trading 69.8% below its estimated fair value. The current YoY EBITDA Growth is -190.91%. 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 YoY EBITDA Growth calculated?
YoY EBITDA Growth is calculated from a company's financial statements. For Integrated System Credit Consulting Fintech SpA (MIL:ISC), the current YoY EBITDA Growth is -190.91% 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 €0.80 is trading 69.8% below its estimated GF Value™ of €2.65. GuruFocus considers Integrated System Credit Consulting Fintech SpA to be Possible Value Trap.

Key valuation signals for MIL:ISC:

  • YoY EBITDA Growth: -190.91%
  • GF Value™: €2.65 vs. price of €0.80 (69.8% 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

YoY EBITDA Growth is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€0.80
Price
€2.65
GF Value