3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
Integrated System Credit Consulting Fintech SpA's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 125.50%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
Integrated System Credit Consulting Fintech SpA 3-Year ROIIC % Related Terms
Integrated System Credit Consulting Fintech SpA 3-Year ROIIC % 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 3-Year ROIIC % Chart
Integrated System Credit Consulting Fintech SpA Annual Data
For the Credit Services subindustry, Integrated System Credit Consulting Fintech SpA's 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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 3-Year ROIIC % vs Credit Services Industry
3-Year Incremental Net Operating Profit After Taxes (NOPAT)**
/
3-Year Incremental Invested Capital**
=
( -1.821 (Dec. 2025) - 0.138 (Dec. 2022) )
/
( 11.813 (Dec. 2025) - 13.374 (Dec. 2022) )
=
-1.959
/
-1.561
=
125.50%***
* 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
Integrated System Credit Consulting Fintech SpA (MIL:ISC) has a 3-Year ROIIC % of 125.50 as of Dec. 2025. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Integrated System Credit Consulting Fintech SpA and its competitors. This is 619% above median its historical median of 17.46. According to the industry distribution chart, Integrated System Credit Consulting Fintech SpA ranks #17 out of 394 companies in the Credit Services industry, placing it in the top 4.3%.
Is Integrated System Credit Consulting Fintech SpA's 3-Year ROIIC % too high?
Integrated System Credit Consulting Fintech SpA's current 3-Year ROIIC % of 125.50 is 619% above median its 10-year median of 17.46. The Credit Services industry median 3-Year ROIIC % is 2.81. Integrated System Credit Consulting Fintech SpA's value of 125.50 is 4374.2% above this industry median. Based on the distribution chart, Integrated System Credit Consulting Fintech SpA ranks #17 out of 394 companies in the Credit Services industry, which is in the top quartile — a strong position 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 3-Year ROIIC % compare to V and MA?
According to the Credit Services industry distribution chart, Integrated System Credit Consulting Fintech SpA ranks #17 out of 394 companies for 3-Year ROIIC %. This places Integrated System Credit Consulting Fintech SpA in the top 4% of its industry — outperforming the majority of peers. The industry median 3-Year ROIIC % is 2.81. Integrated System Credit Consulting Fintech SpA's value of 125.50 is 4374.2% above this benchmark. While the company's 10-year median is 17.46 vs. the industry median of 2.81, 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 3-Year ROIIC % for a Credit Services company?
The median 3-Year ROIIC % among Credit Services companies is 2.81, based on 394 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % 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 3-Year ROIIC % of 125.50 is 4374.2% 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 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Integrated System Credit Consulting Fintech SpA and its competitors. For the Credit Services industry, the median 3-Year ROIIC % is 2.81 — 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 3-Year ROIIC % is 125.50, which is 619% above median its own 10-year median of 17.46. 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 3-Year ROIIC % is 125.50, which is 619% above median its 10-year median of 17.46 and 4374.2% above the Credit Services industry median of 2.81. 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 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For Integrated System Credit Consulting Fintech SpA (MIL:ISC), the current 3-Year ROIIC % is 125.50 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:
3-Year ROIIC %: 125.50 (619% above median its 10-year median of 17.46)
GF Value™: €2.62 vs. price of €0.90 (65.6% below fair value)
Industry Position: 4374.2% above the Credit Services median (#17 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.
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