Integrated System Credit Consulting Fintech SpA (MIL:ISC) Asset Turnover: 0.16 (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 Asset Turnover?

Integrated System Credit Consulting Fintech SpA MIL:ISC -3.02% 60 Asset Turnover is 0.16 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.

Asset Turnover measures how quickly a company turns over its asset through sales. It is calculated as Revenue divided by Total Assets. Integrated System Credit Consulting Fintech SpA's Revenue for the six months ended in Dec. 2025 was €2.56 Mil. Integrated System Credit Consulting Fintech SpA's Total Assets for the quarter that ended in Dec. 2025 was €16.46 Mil. Therefore, Integrated System Credit Consulting Fintech SpA's Asset Turnover for the quarter that ended in Dec. 2025 was 0.16.

Asset Turnover is linked to ROE % through Du Pont Formula. Integrated System Credit Consulting Fintech SpA's annualized ROE % for the quarter that ended in Dec. 2025 was -26.93%. It is also linked to ROA % through Du Pont Formula. Integrated System Credit Consulting Fintech SpA's annualized ROA % for the quarter that ended in Dec. 2025 was -17.07%.


Integrated System Credit Consulting Fintech SpA  (MIL:ISC) Asset Turnover Explanation

Asset Turnover is linked to ROE % through Du Pont Formula.

Integrated System Credit Consulting Fintech SpA's annulized ROE % for the quarter that ended in Dec. 2025 is

ROE %**(Q: Dec. 2025 )
=Net Income/Total Stockholders Equity
=-2.81/10.4345
=(Net Income / Revenue)*(Revenue / Total Assets)*(Total Assets / Total Stockholders Equity)
=(-2.81 / 5.118)*(5.118 / 16.46)*(16.46/ 10.4345)
=Net Margin %*Asset Turnover*Equity Multiplier
=-54.9 %*0.3109*1.5775
=ROA %*Equity Multiplier
=-17.07 %*1.5775
=-26.93 %

Note: The Net Income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue 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.

** The ROE % used above is for Du Pont Analysis only. It is different from the defined ROE % page on our website, as here it uses Net Income instead of Net Income attributable to Common Stockholders in the calculation.

It is also linked to ROA % through Du Pont Formula:

Integrated System Credit Consulting Fintech SpA's annulized ROA % for the quarter that ended in Dec. 2025 is

ROA %(Q: Dec. 2025 )
=Net Income/Total Assets
=-2.81/16.46
=(Net Income / Revenue)*(Revenue / Total Assets)
=(-2.81 / 5.118)*(5.118 / 16.46)
=Net Margin %*Asset Turnover
=-54.9 %*0.3109
=-17.07 %

Note: The Net Income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue 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.


Be Aware

In the article Joining The Dark Side: Pirates, Spies and Short Sellers, James Montier reported that In their US sample covering the period 1968-2003, Cooper et al find that firms with low asset growth outperformed firms with high asset growth by an astounding 20% p.a. equally weighted. Even when controlling for market, size and style, low asset growth firms outperformed high asset growth firms by 13% p.a. Therefore a company with fast asset growth may underperform.

Therefore, it is a good sign if a company's Asset Turnover is consistent or even increases. If a company's asset grows faster than sales, its Asset Turnover will decline, which can be a warning sign.


Integrated System Credit Consulting Fintech SpA Asset Turnover Related Terms


Integrated System Credit Consulting Fintech SpA Asset Turnover Historical Data

* Premium members only.

The historical data trend for Integrated System Credit Consulting Fintech SpA's Asset Turnover 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 Asset Turnover Chart

Integrated System Credit Consulting Fintech SpA Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Asset Turnover
Get a 7-Day Free Trial 0.14 0.22 0.13 0.47 0.31

Integrated System Credit Consulting Fintech SpA Semi-Annual Data
Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Asset Turnover Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.06 0.26 0.22 0.15 0.16

MIL:ISC vs V, MA, AXP: Asset Turnover Comparison

For the Credit Services subindustry, Integrated System Credit Consulting Fintech SpA's Asset Turnover, along with its competitors' market caps and Asset Turnover 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 Asset Turnover vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Integrated System Credit Consulting Fintech SpA's Asset Turnover distribution charts can be found below:

* The bar in red indicates where Integrated System Credit Consulting Fintech SpA's Asset Turnover falls into.


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

Asset Turnover measures how quickly a company turns over its asset through sales.

Integrated System Credit Consulting Fintech SpA's Asset Turnover for the fiscal year that ended in Dec. 2025 is calculated as

Asset Turnover
=Revenue/Average Total Assets
=Revenue (A: Dec. 2025 )/( (Total Assets (A: Dec. 2024 )+Total Assets (A: Dec. 2025 ))/ count )
=5.288/( (18.723+15.543)/ 2 )
=5.288/17.133
=0.31

Integrated System Credit Consulting Fintech SpA's Asset Turnover for the quarter that ended in Dec. 2025 is calculated as

Asset Turnover
=Revenue/Average Total Assets
=Revenue (Q: Dec. 2025 )/( (Total Assets (Q: Jun. 2025 )+Total Assets (Q: Dec. 2025 ))/ count )
=2.559/( (17.377+15.543)/ 2 )
=2.559/16.46
=0.16

* 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.

Companies with low profit margins tend to have high Asset Turnover, while those with high profit margins have low Asset Turnover. Companies in the retail industry tend to have a very high turnover ratio.

Frequently Asked Questions Learn more about Asset Turnover →
What does a Asset Turnover of 0.16 mean?
Integrated System Credit Consulting Fintech SpA (MIL:ISC) has a Asset Turnover of 0.16 as of Dec. 2025. Asset turnover equals current-period sales over average total assets over the past two periods. View historical data on Integrated System Credit Consulting Fintech SpA and its competitors.
Is Integrated System Credit Consulting Fintech SpA's Asset Turnover too high?
Integrated System Credit Consulting Fintech SpA's current Asset Turnover is 0.16. 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 Asset Turnover compare to V and MA?
Integrated System Credit Consulting Fintech SpA's Asset Turnover of 0.16 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 Asset Turnover for a Credit Services company?
A good Asset Turnover depends on the Credit Services industry context. However, Asset Turnover 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 Asset Turnover mean?
A high Asset Turnover can signal that a stock is expensive relative to its fundamentals. Asset turnover equals current-period sales over average total assets over the past two periods. View historical data on Integrated System Credit Consulting Fintech SpA and its competitors. Integrated System Credit Consulting Fintech SpA's current Asset Turnover is 0.16. 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 Asset Turnover is 0.16. 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 Asset Turnover calculated?
Asset Turnover is calculated from a company's financial statements. For Integrated System Credit Consulting Fintech SpA (MIL:ISC), the current Asset Turnover is 0.16 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:

  • Asset Turnover: 0.16
  • 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

Get the complete analysis for MIL:ISC

Asset Turnover is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€0.90
Price
€2.62
GF Value