Isracard (ISCD) AI Stock Analysis

Isracard

(TASE:ISCD)

Select Model

Rating:53Neutral

Price Target:ILA 1,090.00▼(-2.85% Downside)

Action:upgraded

Date:08/19/26

Isracard scores in the below-average range. The main drag is an uneven financial profile: despite impressive revenue growth and a return to profit, operating margins remain compressed, leverage has risen sharply to about 1.26x equity on a thin equity base, and free cash flow has weakened materially with poor conversion of earnings into cash. Technicals reinforce caution, with the stock trading well below its 50-, 100- and 200-day averages and negative MACD momentum. The offsetting strength is valuation — a modest 14.3x P/E and a 5.15% dividend yield provide meaningful support and income for investors willing to accept the earnings volatility and funding-cost sensitivity. Earnings call and corporate event components were excluded due to lack of data, with their weights redistributed across the remaining factors.

Positive Factors

Strong TTM revenue reboundThe 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 leverageLeverage 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.

Isracard (ISCD) vs. iShares MSCI Israel ETF (EIS)

Market Cap: ILS 3.65B
Dividend Yield: ―
Average Volume (3M): 1.16M
Price to Earnings (P/E): 15.8
Beta (1Y): 0.84
Revenue Growth: 7.18%
EPS Growth: ―
Country: Israel
Employees: 2,034
Sector: General
Sector Strength: 55
Industry: Financial - Credit Services

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 the...

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 balance...

Isracard Financial Statement Overview

Summary

Blending the Income Statement (49), Balance Sheet (55) and Cash Flow (51) scores gives a mixed profile. Positives include strong revenue momentum (about 4.0 billion TTM, up roughly 37% year-over-year), high gross margins near 93%, a return to profitability with 228 million of TTM net income, and continued positive free cash flow. Offsetting these are compressed operating margins versus the ~25% levels of 2023–2024, a swing to a net loss in 2025, leverage that has tripled since 2022 to about 1.26x equity, a thin equity cushion near 12% of assets, and volatile cash generation with free cash flow converting only about 48% of net income versus 85% in 2024.

Income Statement

49Neutral

Balance Sheet

55Neutral

Cash Flow

51Neutral

Financial statement breakdown
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

Technical Analysis SentimentNegative

Last Price1122.00

Price Trends

50DMA1119.56Positive

100DMA1123.60Negative

200DMA1315.61Negative

Market Momentum

MACD9.43Positive

RSI48.20Neutral

STOCH24.90Neutral

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 1122.00 is below the 20-day moving average (MA) of 1122.80, above the 50-day MA of 1119.56, and below the 200-day MA of 1315.61, indicating a neutral trend. The MACD of 9.43 indicates Positive momentum. The RSI at 48.20 is Neutral, neither overbought nor oversold. The STOCH value of 24.90 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

Overall Rating

UnderperformOutperform

Sector (55)

Financial Indicators

IL:ISCD against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
IL:JCFN	80Outperform	ILS 667.22M	7.64	―	0.05%	20.00%	14.06%
IL:MCLL	69Neutral	ILS 698.11M	10.65	―	―	21.55%	14.68%
IL:NAWI	61Neutral	ILS 1.45B	6.04	―	3.83%	33.11%	48.58%
IL:MNIF	60Neutral	ILS 1.36B	6.68	―	7.90%	13.66%	20.34%
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%
IL:DIFI	55Neutral	ILS 1.66B	7.81	―	8.58%	-1.75%	91.68%
IL:ISCD	53Neutral	ILS 3.65B	15.80	-1.68%	―	7.18%	―

* General Sector Average

Performance Comparison

IL:ISCD and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
IL:ISCD	Isracard	1122.00	-282.00	-20.09%
IL:NAWI	Nawi Brothers Group Ltd	4489.00	-573.45	-11.33%
IL:MNIF	Menif - Financial Services Ltd.	2219.00	293.65	15.25%
IL:DIFI	DIRECT FINANCE OF DIRECT GROUP (2006)LTD	55550.00	4209.83	8.20%
IL:MCLL	Michlol Finance Ltd	1385.00	11.00	0.80%
IL:JCFN	Jacob Finance & Investments Ltd.	2714.00	-541.35	-16.63%

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.

Date of analysis: Aug 19, 2026

Isracard AI Stock Analysis