ISCC FINTECH SPA (L7H) - Net Assets
Based on the latest financial reports, ISCC FINTECH SPA (L7H) has net assets worth €9.79 Million EUR (≈ $11.45 Million USD) as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€15.54 Million ≈ $18.17 Million USD) and total liabilities (€5.75 Million ≈ $6.72 Million USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Also explore ISCC FINTECH SPA (L7H) total assets for the complete picture of this company's asset base.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | €9.79 Million |
| % of Total Assets | 63.0% |
| Annual Growth Rate | -9.27% |
| 5-Year Change | N/A |
| 10-Year Change | N/A |
| Growth Volatility | 13.46 |
ISCC FINTECH SPA - Net Assets Trend (2021–2025)
This chart illustrates how ISCC FINTECH SPA's net assets have evolved over time, based on quarterly financial data. Check L7H intangible-adjusted equity ratio to evaluate the tangible quality of the company's equity base.
Annual Net Assets for ISCC FINTECH SPA (2021–2025)
The table below shows the annual net assets of ISCC FINTECH SPA from 2021 to 2025. For live valuation and market cap data, see L7H market cap.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | €9.79 Million ≈ $11.45 Million |
-18.85% |
| 2024-12-31 | €12.07 Million ≈ $14.11 Million |
+9.48% |
| 2023-12-31 | €11.02 Million ≈ $12.89 Million |
-23.54% |
| 2022-12-31 | €14.42 Million ≈ $16.85 Million |
-0.23% |
| 2021-12-31 | €14.45 Million ≈ $16.89 Million |
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Equity Component Analysis
This analysis shows how different components contribute to ISCC FINTECH SPA's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 471734100.0% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Other Components | €14.80 Million | 152.05% |
| Total Equity | €9.73 Million | 100.00% |
ISCC FINTECH SPA Competitors by Market Cap
The table below lists competitors of ISCC FINTECH SPA ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
SRJ Technologies Group Plc
AU:SRJ
|
$10.98 Million |
|
Thriven Global Bhd
KLSE:7889
|
$10.99 Million |
|
Agillic A/S
CO:AGILC
|
$10.99 Million |
|
Pan Entertainment Co. Ltd
KQ:068050
|
$11.01 Million |
|
Clemondo Group AB (publ)
ST:CLEM
|
$10.97 Million |
|
Cofidur SA
PA:ALCOF
|
$10.97 Million |
|
Erria A/S
CO:ERRIA
|
$10.96 Million |
|
Quantum BioPharma Ltd.
NASDAQ:QNTM
|
$10.95 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in ISCC FINTECH SPA's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 12,008,041 to 9,732,067, a change of -2,275,974 (-19.0%).
- Net loss of 2,275,974 reduced equity.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | €-2.28 Million | -23.39% |
| Total Change | €- | -18.95% |
Book Value vs Market Value Analysis
This analysis compares ISCC FINTECH SPA's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.96x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has increased from 0.65x to 0.96x over the analyzed period, suggesting growing market confidence.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2021-12-31 | €1.12 | €0.73 | x |
| 2022-12-31 | €1.11 | €0.73 | x |
| 2023-12-31 | €0.85 | €0.73 | x |
| 2024-12-31 | €0.93 | €0.73 | x |
| 2025-12-31 | €0.75 | €0.73 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently ISCC FINTECH SPA utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): -23.39%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: -43.04%
- • Asset Turnover: 0.34x
- • Equity Multiplier: 1.60x
- Recent ROE (-23.39%) is below the historical average (-9.72%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2021 | -2.41% | -23.30% | 0.07x | 1.40x | €-1.79 Million |
| 2022 | -0.43% | -1.40% | 0.22x | 1.43x | €-1.50 Million |
| 2023 | -31.05% | -131.86% | 0.14x | 1.65x | €-4.50 Million |
| 2024 | 8.67% | 12.05% | 0.46x | 1.56x | €-159.23K |
| 2025 | -23.39% | -43.04% | 0.34x | 1.60x | €-3.25 Million |
Industry Comparison
This section compares ISCC FINTECH SPA's net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $5,327,589,785
- Average return on equity (ROE) among peers: 1.76%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| ISCC FINTECH SPA (L7H) | €9.79 Million | -2.41% | 0.59x | $10.98 Million |
| Yiren Digital Ltd (19YA) | $8.09 Billion | 25.73% | 0.27x | $106.07 Million |
| Qudian Inc (1QU) | $12.04 Billion | 4.89% | 0.06x | $225.36 Million |
| Yixin Group Limited (1YX) | $16.95 Billion | 7.07% | 2.21x | $1.17 Billion |
| TRUFIN PLC (29U) | $43.54 Million | 11.12% | 0.62x | $141.30 Million |
| 51 CREDIT CARD DL-00001 (2JY) | $711.22 Million | -11.63% | 0.60x | $63.84 Million |
| CREDIT CORP. GROUP LTD. (2RC) | $890.27 Million | 10.57% | 0.57x | $490.08 Million |
| HANHUA FNCL HLDG CO.H YC1 (5HF) | $7.93 Billion | 0.40% | 0.66x | $11.63 Million |
| Genertec Universal Medical Group Company Limited (5UM) | $6.57 Billion | 13.27% | 3.41x | $1.21 Billion |
| HARMONEY CORP. LTD (6DR) | $39.84 Million | -33.12% | 20.51x | $40.54 Million |
| PREMIA FINANCE O.N. (81U) | $3.02 Million | -10.68% | 0.59x | $1.82 Million |
About ISCC FINTECH SPA
Integrated System Credit Consulting Fintech S.p.A. provides credit management services in Italy. It offers debt management and recovery services through due diligence and acquisition, phone and home collection services, and legal actions for credit recovery. The company was founded in 2019 and is headquartered in Turin, Italy. Integrated System Credit Consulting Fintech S.p.A. operates as a subsi… Read more