Isracard Ltd. issues, acquires, and operates various credit cards.
Good value with moderate growth potential.
Share Price & News
How has Isracard's share price performed over time and what events caused price changes?
Latest Share Price and Events
7 Day Return
US Consumer Finance
1 Year Return
US Consumer Finance
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 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
Is Isracard undervalued compared to its fair value and its price relative to the market?
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).
How is Isracard forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
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
How has Isracard performed over the past 5 years?
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.
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
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.
What is Isracard's current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
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.
What is the CEO of Isracard's salary, the management and board of directors tenure and is there insider trading?
Isracard has no CEO, or we have no data on them.
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Member of Management Board
- Tenure: 0yrs
Member of the Management Board
- Tenure: 0yrs
Irit Izakson (68yo)
- Tenure: 0yrs
Moshe Amit (84yo)
- Tenure: 0yrs
Isracard Ltd.'s company bio, employee growth, exchange listings and data sources
- 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
- Isracard Ltd.
- 40 Hamasger Street
- POB 62030
- Tel Aviv
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|ISCD||TASE (The Tel-Aviv Stock Exchange)||Yes||Common Shares||IL||ILS||Apr 2019|
|ISCD.F||OTCPK (Pink Sheets LLC)||Yes||Common Shares||US||USD||Apr 2019|
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
|Data||Last Updated (UTC time)|
|Company Analysis||2019/10/09 02:15|
|End of Day Share Price||2019/07/11 00:00|
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.