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Some businesses have very light assets, such as software companies or insurance agencies. The Price-to-Book Ratio does not work well for these companies. Some companies even have negative equity, so the Price-to-Book Ratio cannot be applied to them.
Integrated System Credit Consulting Fintech SpA Price-to-Tangible-Book Related Terms
Integrated System Credit Consulting Fintech SpA Price-to-Tangible-Book 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 Price-to-Tangible-Book Chart
Integrated System Credit Consulting Fintech SpA Annual Data
MIL:ISC vs V, MA, AXP: Price-to-Tangible-Book Comparison
For the Credit Services subindustry, Integrated System Credit Consulting Fintech SpA's Price-to-Tangible-Book, along with its competitors' market caps and Price-to-Tangible-Book 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-Tangible-Book 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called PB Ratio. The difference between Price-to-Tangible-Book Ratio 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 Price-to-Tangible-Book of 1.48 as of Jul. 19, 2026. Price-to-tangible-book ratio is the ratio of share price to a company's tangible book value per share. View historical data on Integrated System Credit Consulting Fintech SpA and its competitors. This is 78% below median its historical median of 6.80. Over the past decade, Integrated System Credit Consulting Fintech SpA's Price-to-Tangible-Book has ranged from 1.48 to 7.29. According to the industry distribution chart, Integrated System Credit Consulting Fintech SpA ranks #312 out of 513 companies in the Credit Services industry, placing it in the top 60.8%.
Is Integrated System Credit Consulting Fintech SpA's Price-to-Tangible-Book too high?
Integrated System Credit Consulting Fintech SpA's current Price-to-Tangible-Book of 1.48 is 78% below median its 10-year median of 6.80. Over the past 10 years, this metric has ranged from a low of 1.48 to a high of 7.29. The Credit Services industry median Price-to-Tangible-Book is 1.11. Integrated System Credit Consulting Fintech SpA's value of 1.48 is 33.3% above this industry median. Based on the distribution chart, Integrated System Credit Consulting Fintech SpA ranks #312 out of 513 companies in the Credit Services industry, which is below the industry midpoint. 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 Price-to-Tangible-Book compare to V and MA?
According to the Credit Services industry distribution chart, Integrated System Credit Consulting Fintech SpA ranks #312 out of 513 companies for Price-to-Tangible-Book. This places Integrated System Credit Consulting Fintech SpA in the lower half of its industry. The industry median Price-to-Tangible-Book is 1.11. Integrated System Credit Consulting Fintech SpA's value of 1.48 is 33.3% above this benchmark. Historically, Integrated System Credit Consulting Fintech SpA's own Price-to-Tangible-Book has ranged from 1.48 to 7.29 over the past decade. While the company's 10-year median is 6.80 vs. the industry median of 1.11, 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 Price-to-Tangible-Book for a Credit Services company?
The median Price-to-Tangible-Book among Credit Services companies is 1.11, based on 513 companies in the industry. Companies in the top quartile (top 25%) have a Price-to-Tangible-Book significantly above this median, while those in the bottom quartile fall well below. However, Price-to-Tangible-Book 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 Price-to-Tangible-Book of 1.48 is 33.3% 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 Price-to-Tangible-Book mean?
A high Price-to-Tangible-Book can signal that a stock is expensive relative to its fundamentals. Price-to-tangible-book ratio is the ratio of share price to a company's tangible book value per share. View historical data on Integrated System Credit Consulting Fintech SpA and its competitors. For the Credit Services industry, the median Price-to-Tangible-Book is 1.11 — 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 Price-to-Tangible-Book is 1.48, which is 78% below median its own 10-year median of 6.80. 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 Price-to-Tangible-Book is 1.48, which is 78% below median its 10-year median of 6.80 and 33.3% above the Credit Services industry median of 1.11. 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 Price-to-Tangible-Book calculated?
Price-to-Tangible-Book is calculated from a company's financial statements. For Integrated System Credit Consulting Fintech SpA (MIL:ISC), the current Price-to-Tangible-Book is 1.48 as of Jul. 19, 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 €0.80 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:
Price-to-Tangible-Book: 1.48 (78% below median its 10-year median of 6.80)
GF Value™: €2.69 vs. price of €0.80 (70.3% below fair value)
Industry Position: 33.3% above the Credit Services median (#312 of 513)
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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