Shares Outstanding (EOP) are shares that have been authorized, issued, and purchased by investors and are held by them.
3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. A positive ratio may indicate share buybacks over the period, while a zero or negative ratio may reflect no repurchases or potential share issuance. Integrated System Credit Consulting Fintech SpA's current 3-Year Share Buyback Ratio was 0.00%.
MIL:ISC's 3-Year Share Buyback Ratio is not ranked *
in the Credit Services industry.
Industry Median: -2.9 * Ranked among companies with meaningful 3-Year Share Buyback Ratio only.
Integrated System Credit Consulting Fintech SpA (MIL:ISC) 3-Year Share Buyback Ratio Explanation
A negative number means the company might be issuing new shares. A positive number indicates that the company is buying back shares.
Be Aware
Investors usually like share buybacks. But as pointed by Warren Buffett, only if a company buys back shares at the prices below the stock's intrinsic value, it rewards remaining shareholders. If a company buys its overvalued stocks back, it destroys shareholder value.
Integrated System Credit Consulting Fintech SpA 3-Year Share Buyback Ratio Related Terms
MIL:ISC vs V, MA, AXP: 3-Year Share Buyback Ratio Comparison
For the Credit Services subindustry, Integrated System Credit Consulting Fintech SpA's 3-Year Share Buyback Ratio, along with its competitors' market caps and 3-Year Share Buyback Ratio 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 Share Buyback Ratio vs Credit Services Industry
Integrated System Credit Consulting Fintech SpA 3-Year Share Buyback Ratio Calculation
This is the annualized percentage change in shares outstanding from three years ago to the current year. The annualized percentage change is calculated with expontential compound based on the latest four years of annual data on Shares Outstanding (EOP).
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average dividends per share growth rate.
What does a 3-Year Share Buyback Ratio of 0.00 mean?
Integrated System Credit Consulting Fintech SpA (MIL:ISC) has a 3-Year Share Buyback Ratio of 0.00 as of Dec. 2025. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for Integrated System Credit Consulting Fintech SpA and its competitors. According to the industry distribution chart, Integrated System Credit Consulting Fintech SpA ranks #999999 out of 285 companies in the Credit Services industry.
Is Integrated System Credit Consulting Fintech SpA's 3-Year Share Buyback Ratio too high?
Integrated System Credit Consulting Fintech SpA's current 3-Year Share Buyback Ratio is 0.00. Based on the distribution chart, Integrated System Credit Consulting Fintech SpA ranks #999999 out of 285 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 62/100 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 Share Buyback Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Integrated System Credit Consulting Fintech SpA ranks #999999 out of 285 companies for 3-Year Share Buyback Ratio. This places Integrated System Credit Consulting Fintech SpA in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Share Buyback Ratio for a Credit Services company?
A good 3-Year Share Buyback Ratio depends on the Credit Services industry context. However, 3-Year Share Buyback Ratio 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 3-Year Share Buyback Ratio mean?
A high 3-Year Share Buyback Ratio can signal that a stock is expensive relative to its fundamentals. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for Integrated System Credit Consulting Fintech SpA and its competitors. Integrated System Credit Consulting Fintech SpA's current 3-Year Share Buyback Ratio is 0.00. 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 €2.64, compared to a current price of €0.84 — trading 68.2% below its estimated fair value. The current 3-Year Share Buyback Ratio is 0.00. Integrated System Credit Consulting Fintech SpA's overall GF Score™ is 62/100 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 Share Buyback Ratio calculated?
3-Year Share Buyback Ratio is calculated from a company's financial statements. For Integrated System Credit Consulting Fintech SpA (MIL:ISC), the current 3-Year Share Buyback Ratio is 0.00 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 €0.84 is trading 68.2% below its estimated GF Value™ of €2.64.
GuruFocus considers Integrated System Credit Consulting Fintech SpA to be Possible Value Trap.
Key valuation signals for MIL:ISC:
3-Year Share Buyback Ratio: 0.00
GF Value™: €2.64 vs. price of €0.84 (68.2% 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
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
MIL:ISC has been successfully added to your 