Integrated System Credit Consulting Fintech SpA (MIL:ISC) Net Change in Cash: €-1.26 Mil (TTM As of Dec. 2025)

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MIL:ISC Integrated System Credit Consulting Fintech SpA MIL:ISC
66 GF Score
Price €0.80
GF Value €2.69
Valuation Possible Value Trap
! 3 Warning Signs
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What is Integrated System Credit Consulting Fintech SpA Net Change in Cash?

Integrated System Credit Consulting Fintech SpA MIL:ISC 66 Net Change in Cash is €-1.26 Mil as of Dec. 2025. GuruFocus rates MIL:ISC with a GF Score™ of 66/100 and a GF Value™ of €2.69 (Possible Value Trap). The stock has 3 warning signs investors should review.

Net Change in Cash is calculated as the total of Cash Flow from Operations , Cash Flow from Investing, Cash Flow from Financing, and Effect of Exchange Rate Changes.

Integrated System Credit Consulting Fintech SpA's Net Change in Cash for the six months ended in Dec. 2025 was €-0.76 Mil. Its Net Change in Cash for the trailing twelve months (TTM) ended in Dec. 2025 was €-1.26 Mil.

Integrated System Credit Consulting Fintech SpA Net Change in Cash Related Terms

Integrated System Credit Consulting Fintech SpA Net Change in Cash Historical Data

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The historical data trend for Integrated System Credit Consulting Fintech SpA's Net Change in Cash 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 Net Change in Cash Chart

Integrated System Credit Consulting Fintech SpA Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Change in Cash
Get a 7-Day Free Trial 13.32 -7.74 -3.67 -0.03 -1.26

Integrated System Credit Consulting Fintech SpA Semi-Annual Data
Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Net Change in Cash Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only -2.14 1.41 -1.43 -0.50 -0.76
MIL:ISC
66GF Score
Integrated System Credit Consulting Fintech SpA MIL:ISC
Net Change in Cash is just one metric. See GF Score™, valuation, warning signs, and more.
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Integrated System Credit Consulting Fintech SpA Net Change in Cash Calculation

Integrated System Credit Consulting Fintech SpA's Net Change in Cash for the fiscal year that ended in Dec. 2025 is calculated as

Net Change in Cash= Cash Flow from Operations+Cash Flow from Investing+Cash Flow from Financing+Effect of Exchange Rate Changes
=-1.297+0.039+0+0
=-1.26

Integrated System Credit Consulting Fintech SpA's Net Change in Cash for the quarter that ended in Dec. 2025

Net Change in Cash=Cash Flow from Operations+Cash Flow from Investing+Cash Flow from Financing+Effect of Exchange Rate Changes
=-0.951+0.192+0+0
=-0.76

Net Change in Cash for the trailing twelve months (TTM) ended in Dec. 2025 adds up the semi-annually data reported by the company within the most recent 12 months, which was €-1.26 Mil.

* 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 Net Change in Cash →
What does a Net Change in Cash of €-1.26 Mil mean?
Integrated System Credit Consulting Fintech SpA (MIL:ISC) has a Net Change in Cash of €-1.26 Mil as of Dec. 2025. The net change in cash is the total change in cash and equivalents between the current period and the past period. View historical data for Integrated System Credit Consulting Fintech SpA and its competitors.
Is Integrated System Credit Consulting Fintech SpA's Net Change in Cash too high?
Integrated System Credit Consulting Fintech SpA's current Net Change in Cash is €-1.26 Mil. Overall, Integrated System Credit Consulting Fintech SpA has a GF Score™ of 66/100 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 Net Change in Cash compare to V and MA?
Integrated System Credit Consulting Fintech SpA's Net Change in Cash of €-1.26 Mil 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 Net Change in Cash for a Credit Services company?
A good Net Change in Cash depends on the Credit Services industry context. However, Net Change in Cash 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 Net Change in Cash mean?
A high Net Change in Cash can signal that a stock is expensive relative to its fundamentals. The net change in cash is the total change in cash and equivalents between the current period and the past period. View historical data for Integrated System Credit Consulting Fintech SpA and its competitors. Integrated System Credit Consulting Fintech SpA's current Net Change in Cash is €-1.26 Mil. 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 €2.69, compared to a current price of €0.80 — trading 70.3% below its estimated fair value. The current Net Change in Cash is €-1.26 Mil. Integrated System Credit Consulting Fintech SpA's overall GF Score™ is 66/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Change in Cash calculated?
Net Change in Cash is calculated from a company's financial statements. For Integrated System Credit Consulting Fintech SpA (MIL:ISC), the current Net Change in Cash is €-1.26 Mil 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 70.3% below its estimated GF Value™ of €2.69. GuruFocus considers Integrated System Credit Consulting Fintech SpA to be Possible Value Trap.

Key valuation signals for MIL:ISC:

  • Net Change in Cash: €-1.26 Mil
  • GF Value™: €2.69 vs. price of €0.80 (70.3% below fair value)
  • GF Score™: 66/100 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.
66GF Score

Get the complete analysis for MIL:ISC

Net Change in Cash is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€0.80
Price
€2.69
GF Value