Integrated System Credit Consulting Fintech SpA (MIL:ISC) Scaled Net Operating Assets: 0.60 (As of Dec. 2025)


MIL:ISC Integrated System Credit Consulting Fintech SpA MIL:ISC
60 GF Score
Price €0.90
GF Value €2.62
Valuation Possible Value Trap
! 3 Warning Signs
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What is Integrated System Credit Consulting Fintech SpA Scaled Net Operating Assets?

Integrated System Credit Consulting Fintech SpA MIL:ISC -3.02% 60 Scaled Net Operating Assets is 0.60 as of Dec. 2025. GuruFocus rates MIL:ISC with a GF Score™ of 60/100 and a GF Value™ of €2.62 (Possible Value Trap). The stock has 3 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Integrated System Credit Consulting Fintech SpA's operating assets for the quarter that ended in Dec. 2025 was €14.86 Mil. Integrated System Credit Consulting Fintech SpA's operating liabilities for the quarter that ended in Dec. 2025 was €4.40 Mil. Integrated System Credit Consulting Fintech SpA's Total Assets for the quarter that ended in Jun. 2025 was €17.38 Mil. Therefore, Integrated System Credit Consulting Fintech SpA's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.60.


Integrated System Credit Consulting Fintech SpA Scaled Net Operating Assets Historical Data

* Premium members only.

The historical data trend for Integrated System Credit Consulting Fintech SpA's Scaled Net Operating Assets can be seen below:

* 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 Scaled Net Operating Assets Chart

Integrated System Credit Consulting Fintech SpA Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Scaled Net Operating Assets
Get a 7-Day Free Trial 1.67 0.50 0.51 0.63 0.56

Integrated System Credit Consulting Fintech SpA Semi-Annual Data
Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Scaled Net Operating Assets Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.52 0.54 0.63 0.59 0.60

MIL:ISC vs V, MA, AXP: Scaled Net Operating Assets Comparison

For the Credit Services subindustry, Integrated System Credit Consulting Fintech SpA's Scaled Net Operating Assets, along with its competitors' market caps and Scaled Net Operating Assets 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 Scaled Net Operating Assets vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Integrated System Credit Consulting Fintech SpA's Scaled Net Operating Assets distribution charts can be found below:

* The bar in red indicates where Integrated System Credit Consulting Fintech SpA's Scaled Net Operating Assets falls into.


MIL:ISC
60GF Score
Integrated System Credit Consulting Fintech SpA MIL:ISC
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Integrated System Credit Consulting Fintech SpA Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Integrated System Credit Consulting Fintech SpA's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(14.862-4.401)/18.723
=0.56

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Cash, Cash Equivalents, Marketable Securities
=15.543 - 0.681
=14.862

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=5.751 - 1.35 - 0
=4.401

Integrated System Credit Consulting Fintech SpA's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Jun. 2025 )
=(14.862-4.401)/17.377
=0.60

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Cash, Cash Equivalents, Marketable Securities
=15.543 - 0.681
=14.862

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=5.751 - 1.35 - 0
=4.401

* 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.

What does a Scaled Net Operating Assets of 0.60 mean?
Integrated System Credit Consulting Fintech SpA (MIL:ISC) has a Scaled Net Operating Assets of 0.60 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Integrated System Credit Consulting Fintech SpA and its competitors.
Is Integrated System Credit Consulting Fintech SpA's Scaled Net Operating Assets too high?
Integrated System Credit Consulting Fintech SpA's current Scaled Net Operating Assets is 0.60. 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 Scaled Net Operating Assets compare to V and MA?
Integrated System Credit Consulting Fintech SpA's Scaled Net Operating Assets of 0.60 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Credit Services company?
A good Scaled Net Operating Assets depends on the Credit Services industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Integrated System Credit Consulting Fintech SpA and its competitors. Integrated System Credit Consulting Fintech SpA's current Scaled Net Operating Assets is 0.60. 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 Scaled Net Operating Assets is 0.60. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Integrated System Credit Consulting Fintech SpA (MIL:ISC), the current Scaled Net Operating Assets is 0.60 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:

  • Scaled Net Operating Assets: 0.60
  • GF Value™: €2.62 vs. price of €0.90 (65.6% below fair value)
  • GF Score™: 60/100 with 3 warning signs

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

Address Via Aldo Barbaro 15, Turin, ITA, 10143
Integrated System Credit Consulting Fintech SpA is engaged in the credit and legal activities related to credit management.
60GF Score

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€0.90
Price
€2.62
GF Value