Isracard Ltd. (IL:ISCD)
TASE:ISCD
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Isracard
(TASE:ISCD)
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Rating:43Neutral
Price Target:
1,126.00
▼(-18.52% Downside)
Action:Reiterated
Date:05/20/26
The score is driven down primarily by weakening financial performance (losses, higher leverage, and sharply negative latest TTM cash flow) and strong bearish technicals (below major moving averages with negative momentum). Valuation is a modest offset due to the dividend yield, but losses and a negative P/E keep overall risk elevated.
Positive Factors
Revenue Growth
Sustained top-line expansion and a recent TTM jump indicate underlying demand for card and payment services. Durable revenue growth supports scale benefits, underwriting of investment in tech and marketing, and the potential to restore margins if cost discipline and mix improvement persist.
Negative Factors
Deteriorating Profitability
A shift from multi-year profitability to recent losses signals structural margin pressure or one-off impairments that have not reversed. Persistent negative earnings erode retained capital, constrain reinvestment, and increase reliance on external funding if operational improvements do not restore sustainable profits.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Sustained top-line expansion and a recent TTM jump indicate underlying demand for card and payment services. Durable revenue growth supports scale benefits, underwriting of investment in tech and marketing, and the potential to restore margins if cost discipline and mix improvement persist.
Read all positive factors
Isracard (ISCD) vs. iShares MSCI Israel ETF (EIS)
Market Cap
₪3.94B
Dividend Yield2.45%
Average Volume (3M)900.02K
Price to Earnings (P/E)―
Beta (1Y)0.78
Revenue Growth6.46%
EPS Growth-126.96%
CountryIL
Employees1,997
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)N/A
Shares Outstanding325,663,760
10 Day Avg. Volume1,066,765
30 Day Avg. Volume900,023
Financial Highlights & Ratios
PEG Ratio0.93
Price to Book (P/B)1.26
Price to Sales (P/S)0.94
P/FCF Ratio6.56
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Isracard Business Overview & Revenue Model
Company Description
Isracard Ltd. operates as a key financial institution within Israel, primarily focused on the credit card market. Its comprehensive suite of offerings includes payment solutions such as the Anyway App, Anypay, Topcash, Touch-Pay, Garmin Pay, and t...
How the Company Makes Money
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Isracard Financial Statement Overview
Summary
Income Statement
52
Neutral
Balance Sheet
45
Neutral
Cash Flow
34
Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 2.94B | 4.29B | 3.40B | 3.23B | 2.68B | 2.31B |
| Gross Profit | 3.56B | 3.81B | 2.71B | 2.59B | 2.15B | 1.86B |
| EBITDA | 77.00M | 159.00M | 1.00B | 912.00M | 871.00M | 852.00M |
| Net Income | -2.00M | -40.00M | 264.00M | 252.00M | 155.00M | 343.00M |
Balance Sheet | ||||||
| Total Assets | 27.62B | 27.88B | 25.60B | 22.51B | 22.68B | 22.44B |
| Cash, Cash Equivalents and Short-Term Investments | 429.00M | 485.00M | 1.00B | 902.00M | 1.85B | 4.63B |
| Total Debt | 4.41B | 4.25B | 2.44B | 2.19B | 1.06B | 1.44B |
| Total Liabilities | 24.37B | 24.68B | 22.42B | 19.50B | 19.88B | 19.66B |
| Stockholders Equity | 3.25B | 3.20B | 3.17B | 3.00B | 2.79B | 2.78B |
Cash Flow | ||||||
| Free Cash Flow | -2.46B | 615.00M | 937.00M | -127.00M | 42.00M | 8.63B |
| Operating Cash Flow | -2.24B | 807.00M | 1.10B | 34.00M | 214.00M | 8.81B |
| Investing Cash Flow | -578.00M | -3.15B | -1.15B | -2.08B | -2.48B | -223.00M |
| Financing Cash Flow | 1.88B | 1.84B | 155.00M | 1.07B | -506.00M | -4.06B |
Isracard Technical Analysis
Negative
1382.00
Price Trends
1395.34
Negative
1469.99
Negative
1448.12
Negative
Market Momentum
-54.44
Negative
36.69
Neutral
26.60
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IL:ISCD, the sentiment is Negative. The current price of 1382 is above the 20-day moving average (MA) of 1248.10, below the 50-day MA of 1395.34, and below the 200-day MA of 1448.12, indicating a bearish trend. The MACD of -54.44 indicates Negative momentum. The RSI at 36.69 is Neutral, neither overbought nor oversold. The STOCH value of 26.60 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IL:ISCD.
Isracard Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
69 Neutral | ₪1.61B | 6.71 | ― | 6.49% | 34.45% | 44.28% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | ₪1.74B | 10.92 | ― | 5.03% | -5.73% | 29.37% | |
62 Neutral | ₪659.64M | 11.36 | ― | 1.53% | 15.12% | 1.10% | |
58 Neutral | ₪1.41B | 7.19 | ― | 4.19% | 20.21% | 21.17% | |
57 Neutral | ₪676.31M | 8.02 | ― | ― | 28.26% | 15.92% | |
43 Neutral | ₪3.94B | -43.18 | -1.68% | 2.45% | 6.46% | -126.96% |
* Financial Sector Average
IL:ISCD
Isracard
1,167.00
-48.07
-3.96%
IL:NAWI
Nawi
4,733.00
-845.69
-15.16%
IL:MNIF
Menif
2,322.00
277.48
13.57%
IL:DIFI
Direct Finance
56,960.00
7,404.65
14.94%
IL:MCLL
Michlol Fin
1,316.00
110.00
9.12%
IL:JCFN
Jacob Finance & Investments Ltd.
2,749.00
-583.58
-17.51%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.