Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Integrated System Credit Consulting Fintech SpA's 5-Year RORE % for the quarter that ended in Dec. 2025 was 38.11%.
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 5-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Integrated System Credit Consulting Fintech SpA 5-Year RORE % Related Terms
Integrated System Credit Consulting Fintech SpA 5-Year RORE % 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 5-Year RORE % 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 5-Year RORE % 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 5-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Dec. 2025 and 5-year before.
Integrated System Credit Consulting Fintech SpA (MIL:ISC) has a 5-Year RORE % of 38.11 as of Dec. 2025. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. 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 #80 out of 488 companies in the Credit Services industry, placing it in the top 16.4%.
Is Integrated System Credit Consulting Fintech SpA's 5-Year RORE % too high?
Integrated System Credit Consulting Fintech SpA's current 5-Year RORE % is 38.11. The Credit Services industry median 5-Year RORE % is 7.08. Integrated System Credit Consulting Fintech SpA's value of 38.11 is 438.7% above this industry median. Based on the distribution chart, Integrated System Credit Consulting Fintech SpA ranks #80 out of 488 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 5-Year RORE % compare to V and MA?
According to the Credit Services industry distribution chart, Integrated System Credit Consulting Fintech SpA ranks #80 out of 488 companies for 5-Year RORE %. This places Integrated System Credit Consulting Fintech SpA in the top 16% of its industry — outperforming the majority of peers. The industry median 5-Year RORE % is 7.08. Integrated System Credit Consulting Fintech SpA's value of 38.11 is 438.7% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year RORE % for a Credit Services company?
The median 5-Year RORE % among Credit Services companies is 7.08, based on 488 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year RORE % 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 5-Year RORE % of 38.11 is 438.7% 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 5-Year RORE % mean?
A high 5-Year RORE % can signal that a stock is expensive relative to its fundamentals. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. View historical data on Integrated System Credit Consulting Fintech SpA and its competitors. For the Credit Services industry, the median 5-Year RORE % is 7.08 — 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 5-Year RORE % is 38.11. 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 5-Year RORE % is 38.11 and 438.7% above the Credit Services industry median of 7.08. 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 5-Year RORE % calculated?
5-Year RORE % is calculated from a company's financial statements. For Integrated System Credit Consulting Fintech SpA (MIL:ISC), the current 5-Year RORE % is 38.11 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:
5-Year RORE %: 38.11
GF Value™: €2.62 vs. price of €0.90 (65.6% below fair value)
Industry Position: 438.7% above the Credit Services median (#80 of 488)
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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