MIL:ISC's PB Ratio is ranked worse than 54.11% of 523
companies
in the Credit Services industry
Industry Median: 1.06
vs MIL:ISC: 1.17
During the past 12 months, Integrated System Credit Consulting Fintech SpA's average Book Value Per Share Growth Rate was -19.00% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was -12.20% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 151.70% per year.
During the past 6 years, the highest 3-Year average Book Value Per Share Growth Rate of Integrated System Credit Consulting Fintech SpA was 847.30% per year. The lowest was -12.20% per year. And the median was -5.90% per year.
Back to Basics: PB Ratio
Integrated System Credit Consulting Fintech SpA (MIL:ISC) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Integrated System Credit Consulting Fintech SpA PB Ratio Related Terms
Integrated System Credit Consulting Fintech SpA PB Ratio 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 PB Ratio Chart
Integrated System Credit Consulting Fintech SpA Annual Data
* 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 PB Ratio vs Credit Services Industry
Integrated System Credit Consulting Fintech SpA PB Ratio Calculation
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Integrated System Credit Consulting Fintech SpA (MIL:ISC) has a PB Ratio of 1.19 as of Jun. 25, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Integrated System Credit Consulting Fintech SpA and its competitors. This is 61% below median its historical median of 3.06. Over the past decade, Integrated System Credit Consulting Fintech SpA's PB Ratio has ranged from 1.04 to 5,700.00. According to the industry distribution chart, Integrated System Credit Consulting Fintech SpA ranks #283 out of 523 companies in the Credit Services industry, placing it in the top 54.1%.
Is Integrated System Credit Consulting Fintech SpA's PB Ratio too high?
Integrated System Credit Consulting Fintech SpA's current PB Ratio of 1.19 is 61% below median its 10-year median of 3.06. Over the past 10 years, this metric has ranged from a low of 1.04 to a high of 5,700.00. The Credit Services industry median PB Ratio is 1.06. Integrated System Credit Consulting Fintech SpA's value of 1.19 is 12.3% above this industry median. Based on the distribution chart, Integrated System Credit Consulting Fintech SpA ranks #283 out of 523 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 PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Integrated System Credit Consulting Fintech SpA ranks #283 out of 523 companies for PB Ratio. This places Integrated System Credit Consulting Fintech SpA in the lower half of its industry. The industry median PB Ratio is 1.06. Integrated System Credit Consulting Fintech SpA's value of 1.19 is 12.3% above this benchmark. Historically, Integrated System Credit Consulting Fintech SpA's own PB Ratio has ranged from 1.04 to 5,700.00 over the past decade. While the company's 10-year median is 3.06 vs. the industry median of 1.06, 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 PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.06, based on 523 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio 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 PB Ratio of 1.19 is 12.3% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Integrated System Credit Consulting Fintech SpA and its competitors. For the Credit Services industry, the median PB Ratio is 1.06 — 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 PB Ratio is 1.19, which is 61% below median its own 10-year median of 3.06. 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 PB Ratio is 1.19, which is 61% below median its 10-year median of 3.06 and 12.3% above the Credit Services industry median of 1.06. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Integrated System Credit Consulting Fintech SpA (MIL:ISC), the current PB Ratio is 1.19 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:
PB Ratio: 1.19 (61% below median its 10-year median of 3.06)
GF Value™: €2.62 vs. price of €0.90 (65.6% below fair value)
Industry Position: 12.3% above the Credit Services median (#283 of 523)
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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