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Isracard
(TASE:ISCD)
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Rating:57Neutral
Price Target:
1,112.00
▼(-19.54% Downside)
Action:Reiterated
Date:08/19/26
The score is driven primarily by mixed financial performance: strong TTM revenue growth and a return to profitability are offset by elevated leverage and uneven cash-flow conversion. Technical indicators remain a headwind with the stock below key longer-term moving averages and negative MACD, while valuation provides support through a moderate P/E and a high dividend yield.
Positive Factors
Strong TTM revenue rebound
The sharp TTM revenue rebound indicates renewed payment activity and stronger customer or transaction volumes. Sustained top-line expansion could improve operating leverage and reinforce Isracard’s position across card issuance and merchant acquiring.
Negative Factors
Elevated leverage
Leverage has risen substantially from approximately 0.38 in 2022 to 1.26 in TTM. A heavier debt burden reduces strategic flexibility and increases sensitivity to funding costs or credit losses, which is particularly important for a credit services business.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong TTM revenue rebound
The sharp TTM revenue rebound indicates renewed payment activity and stronger customer or transaction volumes. Sustained top-line expansion could improve operating leverage and reinforce Isracard’s position across card issuance and merchant acquiring.
Read all positive factors
Isracard (ISCD) vs. iShares MSCI Israel ETF (EIS)
Market Cap
₪3.62B
Dividend Yield4.72%
Average Volume (3M)900.02K
Price to Earnings (P/E)15.6
Beta (1Y)0.81
Revenue Growth7.18%
EPS GrowthN/A
CountryIL
Employees2,034
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.71
Shares Outstanding325,687,770
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
Isracard makes money primarily from payment-card and payments-related fees generated across two main sides of the card network: (1) cardholders and (2) merchants. On the cardholder side, it earns interest income on revolving credit/instalment bala...
Isracard Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
48
Neutral
Cash Flow
51
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 4.02B | 4.29B | 3.40B | 3.23B | 2.68B | 2.31B |
| Gross Profit | 3.74B | 3.81B | 2.71B | 2.59B | 2.15B | 1.86B |
| EBITDA | 150.00M | 159.00M | 1.00B | 912.00M | 871.00M | 852.00M |
| Net Income | 228.00M | -40.00M | 264.00M | 252.00M | 155.00M | 343.00M |
Balance Sheet | ||||||
| Total Assets | 28.52B | 27.88B | 25.60B | 22.51B | 22.68B | 22.44B |
| Cash, Cash Equivalents and Short-Term Investments | 591.00M | 485.00M | 1.00B | 902.00M | 1.85B | 4.63B |
| Total Debt | 4.21B | 4.25B | 2.44B | 2.19B | 1.06B | 1.44B |
| Total Liabilities | 25.18B | 24.68B | 22.42B | 19.50B | 19.88B | 19.66B |
| Stockholders Equity | 3.33B | 3.20B | 3.17B | 3.00B | 2.79B | 2.78B |
Cash Flow | ||||||
| Free Cash Flow | 202.00M | 615.00M | 937.00M | -127.00M | 42.00M | 8.63B |
| Operating Cash Flow | 424.00M | 807.00M | 1.10B | 34.00M | 214.00M | 8.81B |
| Investing Cash Flow | -730.00M | -3.15B | -1.15B | -2.08B | -2.48B | -223.00M |
| Financing Cash Flow | 576.00M | 1.84B | 155.00M | 1.07B | -506.00M | -4.06B |
Isracard Technical Analysis
Neutral
1382.00
Price Trends
1108.12
Positive
1264.73
Negative
1388.99
Negative
Market Momentum
-7.50
Negative
57.07
Neutral
86.51
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IL:ISCD, the sentiment is Neutral. The current price of 1382 is above the 20-day moving average (MA) of 1051.45, above the 50-day MA of 1108.12, and below the 200-day MA of 1388.99, indicating a neutral trend. The MACD of -7.50 indicates Negative momentum. The RSI at 57.07 is Neutral, neither overbought nor oversold. The STOCH value of 86.51 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IL:ISCD.
Isracard Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | ₪701.39M | 8.04 | ― | ― | 20.00% | 14.06% | |
71 Outperform | ₪660.50M | 11.12 | ― | 1.80% | 15.12% | 1.10% | |
63 Neutral | ₪1.37B | 6.75 | ― | 6.93% | 13.66% | 20.34% | |
61 Neutral | ₪1.79B | 11.23 | ― | 6.62% | -1.75% | 91.68% | |
58 Neutral | ₪1.47B | 6.07 | ― | 5.85% | 33.11% | 48.58% | |
57 Neutral | ₪3.62B | 15.63 | -1.68% | 2.45% | 7.18% | ― | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IL:ISCD
Isracard
1,110.00
-260.00
-18.98%
IL:NAWI
Nawi
4,509.00
-1,209.44
-21.15%
IL:MNIF
Menif
2,242.00
100.04
4.67%
IL:DIFI
Direct Finance
60,460.00
12,060.80
24.92%
IL:MCLL
Michlol Fin
1,312.00
-383.00
-22.60%
IL:JCFN
Jacob Finance & Investments Ltd.
2,853.00
-504.95
-15.04%
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.