MIL:ISC's Quick Ratio is ranked worse than 56.85% of 394
companies
in the Credit Services industry
Industry Median: 4.93
vs MIL:ISC: 3.06
Integrated System Credit Consulting Fintech SpA (MIL:ISC) Quick Ratio Explanation
The quick ratio is more conservative than the Current Ratio because it excludes inventories from current assets. The ratio derives its name presumably from the fact that assets such as cash and marketable securities are quick sources of cash. Inventories generally take time to be converted into cash, and if they have to be sold quickly, the company may have to accept a lower price than book value of these inventories. As a result, they are justifiably excluded from assets that are ready sources of immediate cash.
In general, low or decreasing quick ratios generally suggest that a company is over-leveraged, struggling to maintain or grow sales, paying bills too quickly or collecting receivables too slowly. On the other hand, a high or increasing quick ratio generally indicates that a company is experiencing solid top-line growth, quickly converting receivables into cash, and easily able to cover its financial obligations. Such companies often have faster inventory turnover and cash conversion cycles.
The higher the quick ratio, the better the company's liquidity position.
Integrated System Credit Consulting Fintech SpA Quick Ratio Related Terms
Integrated System Credit Consulting Fintech SpA Quick 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 Quick 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 Quick Ratio vs Credit Services Industry
Integrated System Credit Consulting Fintech SpA Quick Ratio Calculation
The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. For this reason, the ratio excludes inventories from current assets.
* 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 (MIL:ISC) has a Quick Ratio of 3.06 as of Dec. 2025. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Integrated System Credit Consulting Fintech SpA and its competitors. This is 49% below median its historical median of 6.02. Over the past decade, Integrated System Credit Consulting Fintech SpA's Quick Ratio has ranged from 3.06 to 10.80. According to the industry distribution chart, Integrated System Credit Consulting Fintech SpA ranks #224 out of 394 companies in the Credit Services industry, placing it in the top 56.9%.
Is Integrated System Credit Consulting Fintech SpA's Quick Ratio too high?
Integrated System Credit Consulting Fintech SpA's current Quick Ratio of 3.06 is 49% below median its 10-year median of 6.02. Over the past 10 years, this metric has ranged from a low of 3.06 to a high of 10.80. The Credit Services industry median Quick Ratio is 4.93. Integrated System Credit Consulting Fintech SpA's value of 3.06 is 37.9% below this industry median. Based on the distribution chart, Integrated System Credit Consulting Fintech SpA ranks #224 out of 394 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 Quick Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Integrated System Credit Consulting Fintech SpA ranks #224 out of 394 companies for Quick Ratio. This places Integrated System Credit Consulting Fintech SpA in the lower half of its industry. The industry median Quick Ratio is 4.93. Integrated System Credit Consulting Fintech SpA's value of 3.06 is 37.9% below this benchmark. Historically, Integrated System Credit Consulting Fintech SpA's own Quick Ratio has ranged from 3.06 to 10.80 over the past decade. While the company's 10-year median is 6.02 vs. the industry median of 4.93, 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 Quick Ratio for a Credit Services company?
The median Quick Ratio among Credit Services companies is 4.93, based on 394 companies in the industry. Companies in the top quartile (top 25%) have a Quick Ratio significantly above this median, while those in the bottom quartile fall well below. However, Quick 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 Quick Ratio of 3.06 is 37.9% 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 Quick Ratio mean?
A high Quick Ratio can signal that a stock is expensive relative to its fundamentals. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Integrated System Credit Consulting Fintech SpA and its competitors. For the Credit Services industry, the median Quick Ratio is 4.93 — 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 Quick Ratio is 3.06, which is 49% below median its own 10-year median of 6.02. 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 Quick Ratio is 3.06, which is 49% below median its 10-year median of 6.02 and 37.9% below the Credit Services industry median of 4.93. 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 Quick Ratio calculated?
Quick Ratio is calculated from a company's financial statements. For Integrated System Credit Consulting Fintech SpA (MIL:ISC), the current Quick Ratio is 3.06 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 €0.90 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:
Quick Ratio: 3.06 (49% below median its 10-year median of 6.02)
GF Value™: €2.62 vs. price of €0.90 (65.6% below fair value)
Industry Position: 37.9% below the Credit Services median (#224 of 394)
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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