ISCD.F Stock Overview

Operates as a credit card company in Israel. More details

ISCD.F fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	0/6
Past Performance	5/6
Financial Health	5/6
Dividends	3/6

Rewards

Price-To-Earnings ratio (12.3x) is below the US market (18.3x)

Earnings grew by 22% over the past year

Risk Analysis

Shares are highly illiquid

Unstable dividend track record

My Notes

Capture your thoughts, links and company narrative

Isracard Ltd. Competitors

LexinFintech Holdings

NasdaqGS:LX

US$971.7m

PRA Group

NasdaqGS:PRAA

US$821.7m

Atlanticus Holdings

NasdaqGS:ATLC

US$847.5m

EZCORP

NasdaqGS:EZPW

US$641.6m

Price History & Performance

Summary of share price highs, lows and changes for Isracard
Historical stock prices
Current Share Price	₪4.01
52 Week High	₪4.01
52 Week Low	₪4.01
Beta	0.63
1 Month Change	n/a
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	8.54%

Recent updates

Shareholder Returns

	ISCD.F	US Consumer Finance	US Market
7D	0%	-3.3%	-2.7%
1Y	n/a	47.4%	23.4%

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.

Price Volatility

Is ISCD.F's price volatile compared to industry and market?
ISCD.F volatility
ISCD.F Average Weekly Movement	n/a
Consumer Finance Industry Average Movement	7.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	16.9%
10% least volatile stocks in US Market	3.2%

Stable Share Price: ISCD.F's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine ISCD.F's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1975	1,945	Ran Oz	digital.isracard.co.il

Isracard Ltd. operates as a credit card company in Israel. It offers various payment solutions, including Digital credit card, Apple Pay, Google Pay, Garmin Pay, Topcash, and Isracard application. The company also provides credit and finance services; and issuance of debit and settlement cards; as well discounting and settlement services for the debit card brands, such as Isracard, MasterCard, American Express, and Visa.

Isracard Ltd. Fundamentals Summary

How do Isracard's earnings and revenue compare to its market cap?
ISCD.F fundamental statistics
Market cap	US$879.95m
Earnings (TTM)	US$71.65m
Revenue (TTM)	US$783.74m

12.3x

P/E Ratio

1.1x

P/S Ratio

Is ISCD.F overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
ISCD.F income statement (TTM)
Revenue	₪2.86b
Cost of Revenue	₪1.11b
Gross Profit	₪1.75b
Other Expenses	₪1.48b
Earnings	₪261.00m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	1.30
Gross Margin	61.12%
Net Profit Margin	9.14%
Debt/Equity Ratio	69.5%

How did ISCD.F perform over the long term?

See historical performance and comparison

Dividends

3.3%

Current Dividend Yield

38%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/23 18:25
End of Day Share Price	2024/12/03 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Isracard Ltd. is covered by 1 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Lior Shilo	Israel Brokerage & Investments I.B.I. Ltd.