OTCPK:ISCD.F

Stock Analysis Report

Executive Summary

Isracard Ltd. issues, acquires, and operates various credit cards.

Snowflake

Fundamentals

Good value with moderate growth potential.


Similar Companies

Share Price & News

How has Isracard's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

ISCD.F

1.7%

US Consumer Finance

0.07%

US Market


1 Year Return

n/a

ISCD.F

9.9%

US Consumer Finance

8.9%

US Market

Return vs Industry: Insufficient data to determine how ISCD.F performed against the US Consumer Finance industry.

Return vs Market: Insufficient data to determine how ISCD.F performed against the US Market.


Shareholder returns

ISCD.FIndustryMarket
7 Day0%1.7%0.07%
30 Day0%-1.2%-0.3%
90 Day0%-7.2%-1.6%
1 Yearn/a11.8%9.9%11.3%8.9%
3 Yearn/a55.7%48.2%46.3%36.8%
5 Yearn/a38.4%28.3%62.1%44.3%

Price Volatility Vs. Market

How volatile is Isracard's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Isracard undervalued compared to its fair value and its price relative to the market?

>50%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: ISCD.F ($3.7) is trading below our estimate of fair value ($755.96)

Significantly Below Fair Value: ISCD.F is trading below fair value by more than 20%.


Price To Earnings Ratio

PE vs Industry: ISCD.F is good value based on its PE Ratio (0x) compared to the Consumer Finance industry average (8.5x).

PE vs Market: ISCD.F is good value based on its PE Ratio (0x) compared to the US market (17.8x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate ISCD.F's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: ISCD.F is overvalued based on its PB Ratio (1.2x) compared to the US Consumer Finance industry average (1.2x).


Next Steps

Future Growth

How is Isracard forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

20.8%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: ISCD.F's forecast earnings growth (20.8% per year) is above the savings rate (2.7%).

Earnings vs Market: ISCD.F's earnings (20.8% per year) are forecast to grow faster than the US market (14.5% per year).

High Growth Earnings: earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: Insufficient data to determine if ISCD.F's revenue is forecast to grow faster than the US market.

High Growth Revenue: Insufficient data to determine if ISCD.F's revenue is forecast to grow faster than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: Insufficient data to determine if ISCD.F's Return on Equity is forecast to be high in 3 years time


Next Steps

Past Performance

How has Isracard performed over the past 5 years?

-2.8%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Earnings Trend: ISCD.F's earnings have declined by -2.8% per year over the past 5 years.

Accelerating Growth: ISCD.F's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: ISCD.F had negative earnings growth (-18.6%) over the past year, making it difficult to compare to the Consumer Finance industry average (25.5%).


Return on Equity

High ROE: ISCD.F's Return on Equity (9%) is considered low.


Return on Assets

ROA vs Industry: ISCD.F's Return on Assets is below or equal to the Consumer Finance industry average last year.


Return on Capital Employed

ROCE Improving: Insufficient data to calculate ISCD.F's Return on Capital Employed to determine if it has improved over the past 3 years.


Next Steps

Financial Health

How is Isracard's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Inventory Level: ISCD.F has a low level of unsold assets or inventory.

Debt Coverage by Assets: ISCD.F's debt is covered by short term assets (assets are 4.064350x debt).


Financial Institutions Analysis

Asset Level: ISCD.F's level of assets compared to its equity is moderate.

Allowance for Bad Loans: Insufficient data to determine if ISCD.F has a sufficient allowance for bad loans.

Low Risk Liabilities: ISCD.F reports no customer deposits, loans are made up entirely of externally borrowed funds.

Loan Level: Insufficient data to determine if ISCD.F has an acceptable proportion of non-loan assets held.

Low Risk Deposits: ISCD.F has advanced significantly more loans than the customer deposits it holds.

Level of Bad Loans: Insufficient data to determine if ISCD.F has an appropriate level of bad loans.


Next Steps

Dividend

What is Isracard's current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

companyn/amarketbottom25%1.4%markettop25%3.7%industryaverage1.9%forecastin3Yearsn/a

Current dividend yield vs market & industry


Stability and Growth of Payments

Notable Dividend: Unable to evaluate ISCD.F's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.

High Dividend: Unable to evaluate ISCD.F's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.

Stable Dividend: Insufficient data to determine if ISCD.F's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if ISCD.F's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of ISCD.F's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

What is the CEO of Isracard's salary, the management and board of directors tenure and is there insider trading?


CEO

Isracard has no CEO, or we have no data on them.


Insider Trading

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown


Management Team

  • Ron Cohen

    Member of Management Board

    • Tenure: 0yrs
  • Alberto Langa

    Member of the Management Board

    • Tenure: 0yrs

Board Members

  • Irit Izakson (68yo)

    Chairman

    • Tenure: 0yrs
  • Moshe Amit (84yo)

    Director

    • Tenure: 0yrs

Company Information

Isracard Ltd.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Isracard Ltd.
  • Ticker: ISCD.F
  • Exchange: OTCPK
  • Founded: 1975
  • Industry: Consumer Finance
  • Sector: Diversified Financials
  • Market Cap: ₪2.658b
  • Listing Market Cap: ₪758.345m
  • Shares outstanding: 200.00m
  • Website: https://digital.isracard.co.il

Number of Employees


Location

  • Isracard Ltd.
  • 40 Hamasger Street
  • POB 62030
  • Tel Aviv
  • 6162001
  • Israel

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
ISCDTASE (The Tel-Aviv Stock Exchange)YesCommon SharesILILSApr 2019
ISCD.FOTCPK (Pink Sheets LLC)YesCommon SharesUSUSDApr 2019

Biography

Isracard Ltd. issues, acquires, and operates various credit cards. The company issues Isracard branded credit cards, as well as Mastercard and Visa branded credit cards jointly with Europay Ltd. It offers  ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/09 02:15
End of Day Share Price2019/07/11 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.