Integrated System Credit Consulting Fintech SpA (MIL:ISC) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
Integrated System Credit Consulting Fintech SpA PS Ratio Related Terms
Integrated System Credit Consulting Fintech SpA PS 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 PS 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 PS Ratio vs Credit Services Industry
Integrated System Credit Consulting Fintech SpA PS Ratio Calculation
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
Integrated System Credit Consulting Fintech SpA's Share Price of today is €0.90.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Integrated System Credit Consulting Fintech SpA's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was €0.41.
* 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:
Integrated System Credit Consulting Fintech SpA (MIL:ISC) has a PS Ratio of 2.20 as of Jun. 25, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Integrated System Credit Consulting Fintech SpA and its competitors. This is 79% below median its historical median of 10.49. Over the past decade, Integrated System Credit Consulting Fintech SpA's PS Ratio has ranged from 1.45 to 300.00. According to the industry distribution chart, Integrated System Credit Consulting Fintech SpA ranks #208 out of 522 companies in the Credit Services industry, placing it in the top 39.8%.
Is Integrated System Credit Consulting Fintech SpA's PS Ratio too high?
Integrated System Credit Consulting Fintech SpA's current PS Ratio of 2.20 is 79% below median its 10-year median of 10.49. Over the past 10 years, this metric has ranged from a low of 1.45 to a high of 300.00. The Credit Services industry median PS Ratio is 2.89. Integrated System Credit Consulting Fintech SpA's value of 2.20 is 23.9% below this industry median. Based on the distribution chart, Integrated System Credit Consulting Fintech SpA ranks #208 out of 522 companies in the Credit Services industry, which is above 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 PS Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Integrated System Credit Consulting Fintech SpA ranks #208 out of 522 companies for PS Ratio. This puts Integrated System Credit Consulting Fintech SpA in the upper half of its industry. The industry median PS Ratio is 2.89. Integrated System Credit Consulting Fintech SpA's value of 2.20 is 23.9% below this benchmark. Historically, Integrated System Credit Consulting Fintech SpA's own PS Ratio has ranged from 1.45 to 300.00 over the past decade. While the company's 10-year median is 10.49 vs. the industry median of 2.89, Integrated System Credit Consulting Fintech SpA has consistently been below 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 PS Ratio for a Credit Services company?
The median PS Ratio among Credit Services companies is 2.89, based on 522 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS 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 PS Ratio of 2.20 is 23.9% below 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Integrated System Credit Consulting Fintech SpA and its competitors. For the Credit Services industry, the median PS Ratio is 2.89 — 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 PS Ratio is 2.20, which is 79% below median its own 10-year median of 10.49. 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 PS Ratio is 2.20, which is 79% below median its 10-year median of 10.49 and 23.9% below the Credit Services industry median of 2.89. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Integrated System Credit Consulting Fintech SpA (MIL:ISC), the current PS Ratio is 2.20 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:
PS Ratio: 2.20 (79% below median its 10-year median of 10.49)
GF Value™: €2.62 vs. price of €0.90 (65.6% below fair value)
Industry Position: 23.9% below the Credit Services median (#208 of 522)
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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