Integrated System Credit - Public Comps and Valuation Multiples

Integrated System Credit Overview

About Integrated System Credit

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

Founded

2019

HQ

Employees

n/a

Website

isccfintech.it

Sectors

Lending Solutions

Financials

LTM Revenue $10.1M

LTM EBITDA $2.8M

EV

$17.7M

Valuation Multiples

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Integrated System Credit Financials

As of September 2025, Integrated System Credit reported last 12-month revenue of $10.1M and EBITDA of $2.8M.

In the same period, Integrated System Credit achieved $1.2M in LTM net income.

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Integrated System Credit P&L

In the most recent fiscal year, Integrated System Credit reported revenue of $10.1M and EBITDA of $2.7M.

Integrated System Credit expects next 12-month revenue of XXX and NTM EBITDA of XXX

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	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue	$10.1M	XXX	$10.1M	XXX	XXX	XXX
Gross Profit	n/a	XXX	$8.8M	XXX	XXX	XXX
Gross Margin	n/a	XXX	88%	XXX	XXX	XXX
EBITDA	$2.8M	XXX	$2.7M	XXX	XXX	XXX
EBITDA Margin	28%	XXX	27%	XXX	XXX	XXX
EBIT	$1.7M	XXX	$1.8M	XXX	XXX	XXX
EBIT Margin	16%	XXX	18%	XXX	XXX	XXX
Net Profit	$1.2M	XXX	$1.2M	XXX	XXX	XXX
Net Margin	12%	XXX	12%	XXX	XXX	XXX
Net Debt	XXX	XXX	n/a	XXX	XXX	XXX

Financial data powered by Morningstar, Inc.

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Financial performance metrics for Integrated System Credit including revenue, profitability, and margin analysis across different time periods. The company reported last twelve months revenue of $10.1M. EBITDA for the last twelve months was $2.8M. In the most recent fiscal year, Integrated System Credit achieved $10.1M in revenue and $2.7M in EBITDA.
Financial Metric	Last Twelve Months (LTM)	Next Twelve Months (NTM)	Most Recent Fiscal Year	Current Fiscal Year (2025)	Next Fiscal Year (2026)	Two Years Forward (2027)
Total Revenue	$10.1M	Analyst estimates available to subscribers	$10.1M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit	n/a	Analyst estimates available to subscribers	$8.8M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit Margin	n/a	Analyst estimates available to subscribers	87.7% gross profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA (Earnings Before Interest, Taxes, Depreciation, Amortization)	$2.8M	Analyst estimates available to subscribers	$2.7M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA Margin	27.7% EBITDA margin	Analyst estimates available to subscribers	27.1% EBITDA margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT (Earnings Before Interest and Taxes)	$1.7M	Analyst estimates available to subscribers	$1.8M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT Margin	16.4% EBIT margin	Analyst estimates available to subscribers	18.0% EBIT margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Income (Net Profit)	$1.2M	Analyst estimates available to subscribers	$1.2M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Profit Margin	12.1% net profit margin	Analyst estimates available to subscribers	12.0% net profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Debt Position	Detailed debt information available to subscribers	Detailed debt information available to subscribers	n/a	Detailed debt information available to subscribers	Detailed debt information available to subscribers	Detailed debt information available to subscribers

Financial Performance Summary for Integrated System Credit

This financial data table provides comprehensive performance metrics for Integrated System Credit, a company based in Italy. The metrics include revenue, profitability measures, and operational efficiency indicators across multiple time periods.

Recent Performance Highlights

Integrated System Credit generated $10.1M in revenue over the last twelve months.
The company achieved $2.8M in EBITDA over the last twelve months.
Net income over the last twelve months reached $1.2M.

Fiscal Year Performance

In the most recent fiscal year, Integrated System Credit reported $10.1M in total revenue.
Fiscal year EBITDA was $2.7M.
The company maintained a gross profit margin of 87.7% in the most recent fiscal year.
EBITDA margin for the fiscal year was 27.1%.
Net profit margin reached 12.0% in the most recent fiscal year.

This financial data is sourced from Morningstar, Inc. and represents the most recent available information for Integrated System Credit. Forward-looking estimates and detailed financial projections are available through our premium subscription service.

Integrated System Credit Stock Performance

Integrated System Credit has current market cap of EUR 15.7M (or $18.4M), and EV of EUR 15.1M (or $17.7M).

Market Cap Evolution

Integrated System Credit Stock Data

As of October 2, 2025, Integrated System Credit's stock price is EUR 1 (or $1).

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EV	Market Cap	Price 1D	Price 1M	Price 3M	Price 12M	EPS
$17.7M	$18.4M	XXX	XXX	XXX	XXX	n/a

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Integrated System Credit Valuation Multiples

Integrated System Credit's trades at 1.8x EV/Revenue multiple, and 6.5x EV/EBITDA.

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Integrated System Credit Financial Valuation Multiples

As of October 2, 2025, Integrated System Credit has market cap of $18.4M and EV of $17.7M.

Equity research analysts estimate Integrated System Credit's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX

Integrated System Credit has a P/E ratio of 15.0x.

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Market cap (current)	$18.4M	XXX	$18.4M	XXX	XXX	XXX
EV (current)	$17.7M	XXX	$17.7M	XXX	XXX	XXX
EV/Revenue	1.8x	XXX	1.8x	XXX	XXX	XXX
EV/EBITDA	6.3x	XXX	6.5x	XXX	XXX	XXX
EV/EBIT	10.7x	XXX	9.7x	XXX	XXX	XXX
EV/Gross Profit	n/a	XXX	n/a	XXX	XXX	XXX
P/E	15.0x	XXX	15.1x	XXX	XXX	XXX
EV/FCF	-505.0x	XXX	174.4x	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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Integrated System Credit Margins & Growth Rates

Integrated System Credit's revenue per employee in the last FY averaged n/a, while opex per employee averaged n/a for the same period.

Integrated System Credit's rule of 40 is unknown (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).

Integrated System Credit's rule of X is unknown (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).

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Integrated System Credit Operational Valuation Multiples

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue Growth	n/a	XXX	n/a	XXX	XXX	XXX
EBITDA Margin	28%	XXX	27%	XXX	XXX	XXX
EBITDA Growth	n/a	XXX	n/a	XXX	XXX	XXX
Rule of 40	n/a	XXX	n/a	XXX	XXX	XXX
Bessemer Rule of X	XXX	XXX	n/a	XXX	XXX	XXX
Revenue per Employee	XXX	XXX	n/a	XXX	XXX	XXX
Opex per Employee	XXX	XXX	n/a	XXX	XXX	XXX
S&M Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
G&A Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
R&D Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
Opex to Revenue	XXX	XXX	70%	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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