MIL:ISC's Return-on-Tangible-Equity is ranked worse than 93.52% of 525
companies
in the Credit Services industry
Industry Median: 7.01
vs MIL:ISC: -28.81
Integrated System Credit Consulting Fintech SpA (MIL:ISC) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Integrated System Credit Consulting Fintech SpA Return-on-Tangible-Equity Related Terms
Integrated System Credit Consulting Fintech SpA Return-on-Tangible-Equity 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 Return-on-Tangible-Equity Chart
Integrated System Credit Consulting Fintech SpA Annual Data
MIL:ISC vs V, MA, AXP: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, Integrated System Credit Consulting Fintech SpA's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is two times the semi-annual (Dec. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of -37.34% mean?
Integrated System Credit Consulting Fintech SpA (MIL:ISC) has a Return-on-Tangible-Equity of -37.34% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Integrated System Credit Consulting Fintech SpA and its competitors. According to the industry distribution chart, Integrated System Credit Consulting Fintech SpA ranks #491 out of 525 companies in the Credit Services industry, placing it in the top 93.5%.
Is Integrated System Credit Consulting Fintech SpA's Return-on-Tangible-Equity too high?
Integrated System Credit Consulting Fintech SpA's current Return-on-Tangible-Equity is -37.34%. Based on the distribution chart, Integrated System Credit Consulting Fintech SpA ranks #491 out of 525 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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 Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Integrated System Credit Consulting Fintech SpA ranks #491 out of 525 companies for Return-on-Tangible-Equity. This places Integrated System Credit Consulting Fintech SpA in the lower half of its industry. The industry median Return-on-Tangible-Equity is 7.01. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Equity for a Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.01, based on 525 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Integrated System Credit Consulting Fintech SpA and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.01 — 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 Return-on-Tangible-Equity is -37.34%. 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 Return-on-Tangible-Equity is -37.34%. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Integrated System Credit Consulting Fintech SpA (MIL:ISC), the current Return-on-Tangible-Equity is -37.34% 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:
Return-on-Tangible-Equity: -37.34%
GF Value™: €2.62 vs. price of €0.90 (65.6% below fair value)
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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