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Integrated System Credit Consulting Fintech Valuation Multiples

Discover revenue and EBITDA valuation multiples for Integrated System Credit Consulting Fintech and similar public comparables like Jhaveri Credits & Capital, Foris, Sancus Lending Group, LIBERO Football Finance and more.

Integrated System Credit Consulting Fintech Overview

About Integrated System Credit Consulting Fintech

Integrated System Credit Consulting Fintech SpA is engaged in the credit and legal activities related to credit management.


Founded

2019

HQ

Italy

Employees

N/A

Financials (LTM)

Revenue: $7M
EBITDA: ($131K)

EV

$14M

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Integrated System Credit Consulting Fintech Financials

Integrated System Credit Consulting Fintech reported last 12-month revenue of $7M and negative EBITDA of ($131K).

In the same LTM period, Integrated System Credit Consulting Fintech generated $7M in gross profit, ($131K) in EBITDA losses, and had net loss of ($2M).

Revenue (LTM)


Integrated System Credit Consulting Fintech P&L

In the most recent fiscal year, Integrated System Credit Consulting Fintech reported revenue of $6M and EBITDA of ($1M).

Integrated System Credit Consulting Fintech is unprofitable as of last fiscal year, with gross margin of 75%, EBITDA margin of (18%), and net margin of (42%).

See analyst estimates for Integrated System Credit Consulting Fintech
LTMLast FY202320242025202620272028
Revenue$7M$6M$3M$10M$6M
Gross Profit$7M$5M$2M$9M$5M
Gross Margin100%75%57%88%77%
EBITDA($131K)($1M)($3M)$3M($2M)
EBITDA Margin(2%)(18%)(96%)27%(24%)
EBIT Margin(19%)(34%)(123%)18%(34%)
Net Profit($2M)($3M)($4M)$1M($3M)
Net Margin(21%)(42%)(132%)12%(43%)
Net Debt-$777K---

Financial data powered by Morningstar, Inc.

Integrated System Credit Consulting Fintech Stock Performance

Integrated System Credit Consulting Fintech has current market cap of $13M, and enterprise value of $14M.

Market Cap Evolution


Integrated System Credit Consulting Fintech's stock price is $1.04.

Integrated System Credit Consulting Fintech share price decreased by 3.6% in the last 30 days, and by 39.8% in the last year.

Integrated System Credit Consulting Fintech has an EPS (earnings per share) of $-0.20.

See more trading valuation data for Integrated System Credit Consulting Fintech
EVMarket CapPrice 1DPrice 1MPrice 3MPrice 12MEPS
$14M$13M-2.3%-3.6%7.1%-39.8%$-0.20

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Integrated System Credit Consulting Fintech Valuation Multiples

Integrated System Credit Consulting Fintech trades at 2.0x EV/Revenue multiple, and (108.5x) EV/EBITDA.

See NTM and 2027E valuation multiples for Integrated System Credit Consulting Fintech

EV / Revenue (LTM)


Integrated System Credit Consulting Fintech Financial Valuation Multiples

As of June 5, 2026, Integrated System Credit Consulting Fintech has market cap of $13M and EV of $14M.

Integrated System Credit Consulting Fintech has a P/E ratio of (8.6x).

LTMLast FY202320242025202620272028
EV/Revenue2.0x2.3x4.8x1.4x2.3x
EV/EBITDA(108.5x)(13.0x)(4.9x)5.2x(9.5x)
EV/EBIT(10.4x)(6.7x)(3.9x)7.9x(6.7x)
EV/Gross Profit2.0x3.0x8.4x1.6x3.0x
P/E(8.6x)(5.1x)(3.4x)11.1x(5.1x)
EV/FCF(16.8x)(9.6x)(3.4x)141.4x(7.5x)

Multiples above and below 250x are considered non-meaningful (n/m). Valuation data powered by FactSet, Inc. and Morningstar, Inc.

Verified Integrated System Credit Consulting Fintech Valuation Multiples

Access all public comps and forward-looking valuation multiples like EV/Revenue in 2027, based on consensus analyst estimates. Powered by FactSet and Morningstar.

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Integrated System Credit Consulting Fintech Margins & Growth Rates

Integrated System Credit Consulting Fintech grew revenue by 40% but EBITDA decreased by 206% in the last fiscal year.

In the most recent fiscal year, Integrated System Credit Consulting Fintech reported gross margin of 75%, EBITDA margin of (18%), and net margin of (42%).

See estimated margins and future growth rates for Integrated System Credit Consulting Fintech

Integrated System Credit Consulting Fintech Margins

Last FY202420252026202720282029
Gross Margin75%88%77%100%
EBITDA Margin(18%)27%(24%)13%
EBIT Margin(34%)18%(34%)0%
Net Margin(42%)12%(43%)(1%)
FCF Margin(24%)1%(31%)0%

Integrated System Credit Consulting Fintech Growth Rates

FY+1/FY23/2424/2525/2626/2727/2828/29
Revenue Growth40%235%(39%)42%
Gross Profit Growth86%418%(47%)86%
EBITDA Growth(206%)(194%)(155%)(177%)
EBIT Growth(100%)(149%)(217%)(100%)
Net Profit Growth(98%)(131%)(319%)(98%)
FCF Growth(101%)(102%)(1981%)(101%)

Data powered by FactSet, Inc. and Morningstar, Inc.

Integrated System Credit Consulting Fintech Operational KPIs

Integrated System Credit Consulting Fintech's Rule of 40 is 55% (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).

Integrated System Credit Consulting Fintech's Rule of X is 119% (created by Bessemer, Rule of X is another metric to measure SaaS companies, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).

Access forward-looking KPIs for Integrated System Credit Consulting Fintech
LTMLast FY202320242025202620272028
Rule of 4036%55%---
Bessemer Rule of X94%119%---
G&A Expenses to Revenue-89%107%44%90%
Opex to Revenue-109%179%70%111%

Data powered by FactSet, Inc. and Morningstar, Inc.

Valuation Multiples Across 230+ Verticals

Integrated System Credit Consulting Fintech Competitors

Integrated System Credit Consulting Fintech competitors include Jhaveri Credits & Capital, Foris, Sancus Lending Group, LIBERO Football Finance, CPP Group, Banco BMI, Indos, Novina, Kancelaria Prawna Inkaso and DF Deutsche Forfait.

Most Integrated System Credit Consulting Fintech public comparables operate across Specialty Finance.

EV/RevenueEV/EBITDA
Last FYLTM2027ELast FYLTM2027E
Jhaveri Credits & Capital7.8x-44.8x-
Foris0.6x-276.6x-
Sancus Lending Group11.0x8.1x66.2x-
LIBERO Football Finance775.7x-(8.8x)-
CPP Group0.0x0.0x0.0x(0.0x)
Banco BMI6.8x-33.1x-
Indos2.7x-5.2x-
Novina3.7x-5.7x-

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About Integrated System Credit Consulting Fintech

When was Integrated System Credit Consulting Fintech founded?Integrated System Credit Consulting Fintech was founded in 2019.
Where is Integrated System Credit Consulting Fintech headquartered?Integrated System Credit Consulting Fintech is headquartered in Italy.
Is Integrated System Credit Consulting Fintech publicly listed?Yes, Integrated System Credit Consulting Fintech is a public company listed on Borsa Italiana.
What is the stock symbol of Integrated System Credit Consulting Fintech?Integrated System Credit Consulting Fintech trades under ISC ticker.
When did Integrated System Credit Consulting Fintech go public?Integrated System Credit Consulting Fintech went public in 2021.
Who are competitors of Integrated System Credit Consulting Fintech?Integrated System Credit Consulting Fintech main competitors include Jhaveri Credits & Capital, Foris, Sancus Lending Group, LIBERO Football Finance, CPP Group, Banco BMI, Indos, Novina, Kancelaria Prawna Inkaso, DF Deutsche Forfait.
What is the current market cap of Integrated System Credit Consulting Fintech?Integrated System Credit Consulting Fintech's current market cap is $13M.
What is the current revenue of Integrated System Credit Consulting Fintech?Integrated System Credit Consulting Fintech's last 12 months revenue is $7M.
What is the current revenue growth of Integrated System Credit Consulting Fintech?Integrated System Credit Consulting Fintech revenue growth (NTM/LTM) is 38%.
What is the current EV/Revenue multiple of Integrated System Credit Consulting Fintech?Current revenue multiple of Integrated System Credit Consulting Fintech is 2.0x.
Is Integrated System Credit Consulting Fintech profitable?No, Integrated System Credit Consulting Fintech is not profitable.
What is the current EBITDA of Integrated System Credit Consulting Fintech?Integrated System Credit Consulting Fintech has negative EBITDA and is not profitable.
What is Integrated System Credit Consulting Fintech's EBITDA margin?Integrated System Credit Consulting Fintech's last 12 months EBITDA margin is (2%).
What is the current EV/EBITDA multiple of Integrated System Credit Consulting Fintech?Current EBITDA multiple of Integrated System Credit Consulting Fintech is (108.5x).
What is the current FCF of Integrated System Credit Consulting Fintech?Integrated System Credit Consulting Fintech's last 12 months FCF is ($846K).
What is Integrated System Credit Consulting Fintech's FCF margin?Integrated System Credit Consulting Fintech's last 12 months FCF margin is (12%).
What is the current EV/FCF multiple of Integrated System Credit Consulting Fintech?Current FCF multiple of Integrated System Credit Consulting Fintech is (16.8x).
How many companies Integrated System Credit Consulting Fintech has acquired to date?Integrated System Credit Consulting Fintech hasn't acquired any companies yet (or none have been disclosed publicly).
In how many companies Integrated System Credit Consulting Fintech has invested to date?Integrated System Credit Consulting Fintech hasn't invested in any companies yet (or none have been disclosed publicly).

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