Isracard (ISCDF) Stock Price & Analysis
ISCDF Stock Chart & Stats
- Day’s Range
- $4.40 - $4.40
- 52-Week Range
- $4.40 - $4.40
- Previous Close
- $4.40
- Volume
- 2,044
- Average Volume (3M)
- 0
- Market Cap
- $1.16B
- Enterprise Value
- $7.30B
- Total Cash (Recent Filing)
- $591.00M
- Total Debt (Recent Filing)
- $4.21B
- Price to Earnings (P/E)
- 19.5
- Beta
- 0.02
- Next Earnings
- Nov 25, 2026 (Est.)
- EPS Estimate
- N/A
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- N/A
Bulls Say, Bears Say
Bulls Say
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.
Return To Profitability
Returning to positive earnings restores internal capital generation and supports ongoing investment in payment services. It also demonstrates that the business can recover from periods of pressure, although the durability of the improvement depends on rebuilding stronger operating margins.
Positive Operating And Free Cash Flow
Positive operating and free cash flow provide funding for technology, customer services, and balance-sheet obligations without relying entirely on external capital. This supports financial resilience and gives Isracard flexibility to maintain its payments infrastructure.
Bears Say
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.
Weak And Inconsistent Cash Conversion
Free cash flow converting to less than half of reported net income suggests earnings are not currently translating efficiently into discretionary cash. Prior negative and unusually high annual cash-flow outcomes add uncertainty to the company’s sustainable funding capacity.
Thin And Volatile Profitability
Despite the earnings rebound, modest net margins and thin operating profitability leave limited protection against higher funding costs, credit losses, or competitive pricing. The contrast with stronger 2023–2024 performance also indicates that profitability has not yet stabilized.
ISCDF FAQ
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Company Description
Isracard
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 dedicated Isracard application. Beyond credit card services, the company extends various financial products, including loans and diverse credit plans, while also facilitating the issuance of debit cards. Additionally, Isracard is responsible for the discounting and clearing of transactions across prominent debit card brands, specifically Isracard itself, MasterCard, American Express, and Visa. Founded in 1975 and headquartered in Tel Aviv, Israel, the company has functioned autonomously from Bank Hapoalim B.M. since March 9, 2020.
- Sector
- General
- Industry
- Financial - Credit Services
- CEO
- Itamar Forman
- Employees
- 2,034
- Website
- digital.isracard.co.il
- Address
- 12 Bar Kochba Street, Bnei Brak, 5126105, IL
Isracard (ISCDF) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 7 | 5 | 2 |
| Technical Analysis | 1 | 1 | 0 |
| Moving Averages | 6 | 4 | 2 |


