Isracard (ISCDF) Ratios
Isracard Ratios
ISCDF's free cash flow for Q2 2026 was $1.18B. For the 2026 fiscal year, ISCDF's free cash flow was decreased by $-47.00M and operating cash flow was $1.23B. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 15.84 | 1.25 | 1.27 | 1.18 | 1.20 |
| Quick Ratio | 15.84 | 1.25 | 1.27 | 1.18 | 1.20 |
| Cash Ratio | 13.16 | 0.05 | 0.05 | 0.10 | 0.26 |
| Solvency Ratio | 0.01 | 0.02 | 0.02 | 0.02 | 0.02 |
| Operating Cash Flow Ratio | 26.03 | 0.06 | 0.00 | 0.01 | 0.49 |
| Short-Term Operating Cash Flow Coverage | 26.03 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | $ -24.19B | $ 2.13B | $ 2.19B | $ 2.00B | $ 1.98B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.15 | 0.10 | 0.10 | 0.05 | 0.06 |
| Debt-to-Equity Ratio | 1.33 | 0.77 | 0.73 | 0.38 | 0.52 |
| Debt-to-Capital Ratio | 0.57 | 0.43 | 0.42 | 0.28 | 0.34 |
| Long-Term Debt-to-Capital Ratio | 0.55 | 0.40 | 0.39 | 0.21 | 0.28 |
| Financial Leverage Ratio | 8.71 | 8.06 | 7.51 | 8.12 | 8.08 |
| Debt Service Coverage Ratio | 0.44 | 0.00 | 1.70 | 0.00 | 0.00 |
| Interest Coverage Ratio | -0.01 | 0.00 | 1.54 | 0.00 | 0.00 |
| Debt to Market Cap | 0.99 | 0.66 | 0.72 | 0.37 | 0.36 |
| Interest Debt Per Share | 17.37 | 12.16 | 13.37 | 5.30 | 7.19 |
| Net Debt to EBITDA | 24.13 | 1.44 | 1.42 | -0.90 | -3.74 |
| Profitability Margins | |||||
| Gross Profit Margin | 88.95% | 79.51% | 80.27% | 80.20% | 80.54% |
| EBIT Margin | -0.19% | 24.81% | 23.30% | 26.58% | 31.08% |
| EBITDA Margin | 3.71% | 29.48% | 28.25% | 32.48% | 36.93% |
| Operating Profit Margin | -0.07% | 24.81% | 23.30% | 26.58% | 31.08% |
| Pretax Profit Margin | -0.19% | 10.08% | 10.44% | 8.76% | 20.94% |
| Net Profit Margin | -0.93% | 7.76% | 7.81% | 5.78% | 14.87% |
| Continuous Operations Profit Margin | -1.05% | 7.79% | 7.84% | 5.78% | 14.87% |
| Net Income Per EBT | 500.00% | 76.97% | 74.78% | 65.96% | 71.01% |
| EBT Per EBIT | 266.67% | 40.64% | 44.81% | 32.96% | 67.36% |
| Return on Assets (ROA) | -0.14% | 1.03% | 1.12% | 0.68% | 1.53% |
| Return on Equity (ROE) | -1.25% | 8.32% | 8.41% | 5.55% | 12.35% |
| Return on Capital Employed (ROCE) | -0.01% | 14.13% | 13.73% | 17.21% | 16.34% |
| Return on Invested Capital (ROIC) | -0.01% | 10.80% | 2.15% | 11.13% | 11.37% |
| Return on Tangible Assets | -0.14% | 1.05% | 1.14% | 0.69% | 1.55% |
| Earnings Yield | -0.99% | 8.13% | 9.55% | 7.56% | 11.17% |
| Efficiency Ratios | |||||
| Receivables Turnover | 51.67 | 0.15 | 30.74 | 27.94 | 82.39 |
| Payables Turnover | 0.02 | 0.04 | 0.04 | 0.03 | 0.03 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 5.97 | 7.19 | 6.99 | 6.79 | 5.68 |
| Asset Turnover | 0.15 | 0.13 | 0.14 | 0.12 | 0.10 |
| Working Capital Turnover Ratio | 1.59 | 0.71 | 0.81 | 0.77 | 0.43 |
| Cash Conversion Cycle | -14914.04 | -7476.75 | -9430.00 | -12334.38 | -14250.08 |
| Days of Sales Outstanding | 7.06 | 2477.75 | 11.87 | 13.06 | 4.43 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 14921.11 | 9954.50 | 9441.87 | 12347.45 | 14254.51 |
| Operating Cycle | 7.06 | 2477.75 | 11.87 | 13.06 | 4.43 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 3.12 | 5.48 | 0.17 | 1.07 | 44.05 |
| Free Cash Flow Per Share | 2.38 | 4.67 | -0.64 | 0.21 | 43.16 |
| Dividend Paid and CapEx Coverage Ratio | 0.54 | 4.21 | 0.15 | 0.67 | 42.36 |
| Capital Expenditure Coverage Ratio | 4.20 | 6.78 | 0.21 | 1.24 | 48.95 |
| Operating Cash Flow Coverage Ratio | 0.19 | 0.45 | 0.02 | 0.20 | 6.13 |
| Operating Cash Flow to Sales Ratio | 0.19 | 0.32 | 0.01 | 0.08 | 3.82 |
| Free Cash Flow Yield | 15.25% | 28.85% | -4.81% | 2.05% | 281.14% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | -104.00 | 12.27 | 10.48 | 13.23 | 8.95 |
| Price-to-Sales (P/S) Ratio | 0.94 | 0.95 | 0.82 | 0.76 | 1.33 |
| Price-to-Book (P/B) Ratio | 1.26 | 1.02 | 0.88 | 0.73 | 1.11 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 6.56 | 3.47 | -20.79 | 48.81 | 0.36 |
| Price-to-Operating Cash Flow Ratio | 5.00 | 2.95 | 77.65 | 9.58 | 0.35 |
| Price-to-Earnings Growth (PEG) Ratio | 0.93 | 2.58 | 0.17 | -0.24 | 0.03 |
| Enterprise Value Multiple | 49.50 | 4.68 | 4.31 | 1.45 | -0.14 |
| Enterprise Value | 7.87B | 4.69B | 3.93B | 1.26B | -116.00M |
| EV to EBITDA | 49.50 | 4.68 | 4.31 | 1.45 | -0.14 |
| EV to Sales | 1.84 | 1.38 | 1.22 | 0.47 | -0.05 |
| EV to Free Cash Flow | 12.80 | 5.01 | -30.96 | 30.10 | -0.01 |
| EV to Operating Cash Flow | 9.75 | 4.27 | 115.65 | 5.91 | -0.01 |
| Tangible Book Value Per Share | 12.30 | 14.12 | 13.39 | 12.43 | 12.54 |
| Shareholders’ Equity Per Share | 12.38 | 15.82 | 14.98 | 13.97 | 13.88 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | -4.63 | 0.24 | 0.25 | 0.35 | 0.30 |
| Revenue Per Share | 16.59 | 16.96 | 16.14 | 13.41 | 11.54 |
| Net Income Per Share | -0.15 | 1.32 | 1.26 | 0.78 | 1.72 |
| Tax Burden | 5.00 | 0.77 | 0.75 | 0.66 | 0.71 |
| Interest Burden | 1.00 | 0.41 | 0.45 | 0.33 | 0.67 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.19 | 0.20 | 0.02 | 0.02 | 0.03 |
| Stock-Based Compensation to Revenue | 0.00 | 0.01 | 0.01 | 0.00 | 0.00 |
| Income Quality | -20.18 | 4.15 | 0.13 | 1.38 | 25.69 |
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