Isracard Past Earnings Performance
Past criteria checks 4/6
Isracard's earnings have been declining at an average annual rate of -5.1%, while the Consumer Finance industry saw earnings growing at 11.1% annually. Revenues have been growing at an average rate of 7.1% per year. Isracard's return on equity is 8.4%, and it has net margins of 9%.
Key information
-5.1%
Earnings growth rate
-5.1%
EPS growth rate
| Consumer Finance Industry Growth | 20.3% |
| Revenue growth rate | 7.1% |
| Return on equity | 8.4% |
| Net Margin | 9.0% |
| Last Earnings Update | 31 Dec 2023 |
Recent past performance updates
Revenue & Expenses BreakdownBeta
How Isracard makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 31 Dec 23 | 2,802 | 252 | 1,350 | 0 |
| 30 Sep 23 | 2,921 | 214 | 1,433 | 0 |
| 30 Jun 23 | 2,853 | 194 | 1,413 | 0 |
| 31 Mar 23 | 2,751 | 160 | 1,380 | 0 |
| 31 Dec 22 | 2,527 | 155 | 1,254 | 0 |
| 30 Sep 22 | 2,426 | 199 | 1,118 | 0 |
| 30 Jun 22 | 2,330 | 238 | 1,018 | 0 |
| 31 Mar 22 | 2,275 | 319 | 920 | 0 |
| 31 Dec 21 | 2,248 | 343 | 886 | 0 |
| 30 Sep 21 | 2,155 | 244 | 886 | 0 |
| 30 Jun 21 | 2,062 | 206 | 874 | 0 |
| 31 Mar 21 | 1,901 | 157 | 830 | 0 |
| 31 Dec 20 | 1,826 | 93 | 823 | 0 |
| 30 Sep 20 | 1,838 | 196 | 811 | 0 |
| 30 Jun 20 | 1,895 | 218 | 829 | 0 |
| 31 Mar 20 | 1,999 | 180 | 891 | 0 |
| 31 Dec 19 | 2,105 | 244 | 910 | 0 |
| 30 Sep 19 | 2,135 | 251 | 942 | 0 |
| 30 Jun 19 | 2,173 | 260 | 989 | 0 |
| 31 Mar 19 | 2,200 | 323 | 1,007 | 0 |
| 31 Dec 18 | 2,204 | 318 | 1,034 | 0 |
| 30 Sep 18 | 2,074 | 269 | 990 | 0 |
| 30 Jun 18 | 1,933 | 253 | 918 | 0 |
| 31 Mar 18 | 1,819 | 256 | 842 | 0 |
| 31 Dec 17 | 2,090 | 299 | 971 | 0 |
| 30 Sep 17 | 1,682 | 271 | 736 | 0 |
| 30 Jun 17 | 1,677 | 268 | 735 | 0 |
| 31 Mar 17 | 1,656 | 234 | 748 | 0 |
| 31 Dec 16 | 1,632 | 229 | 734 | 0 |
| 30 Sep 16 | 1,599 | 240 | 720 | 0 |
| 30 Jun 16 | 1,577 | 233 | 698 | 0 |
| 31 Mar 16 | 1,557 | 255 | 664 | 0 |
| 31 Dec 15 | 1,539 | 251 | 668 | 0 |
| 30 Sep 15 | 1,529 | 275 | 667 | 0 |
| 30 Jun 15 | 1,508 | 275 | 664 | 0 |
| 31 Mar 15 | 1,509 | 271 | 669 | 0 |
| 31 Dec 14 | 1,518 | 292 | 655 | 0 |
| 30 Sep 14 | 1,522 | 278 | 655 | 0 |
| 30 Jun 14 | 1,517 | 290 | 642 | 0 |
| 31 Mar 14 | 1,476 | 279 | 623 | 0 |
| 31 Dec 13 | 1,479 | 286 | 620 | 0 |
| 30 Sep 13 | 1,498 | 268 | 639 | 0 |
| 30 Jun 13 | 1,465 | 264 | 633 | 0 |
Quality Earnings: ISCD has high quality earnings.
Growing Profit Margin: ISCD's current net profit margins (9%) are higher than last year (6.1%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: ISCD's earnings have declined by 5.1% per year over the past 5 years.
Accelerating Growth: ISCD's earnings growth over the past year (62.6%) exceeds its 5-year average (-5.1% per year).
Earnings vs Industry: ISCD earnings growth over the past year (62.6%) exceeded the Consumer Finance industry 13%.
Return on Equity
High ROE: ISCD's Return on Equity (8.4%) is considered low.