Isracard Past Earnings Performance

Past criteria checks 5/6

Isracard has been growing earnings at an average annual rate of 3.4%, while the Consumer Finance industry saw earnings growing at 4.3% annually. Revenues have been growing at an average rate of 9.4% per year. Isracard's return on equity is 8.3%, and it has net margins of 9.1%.

Key information

3.4%

Earnings growth rate

3.3%

EPS growth rate

Consumer Finance Industry Growth	7.2%
Revenue growth rate	9.4%
Return on equity	8.3%
Net Margin	9.1%
Last Earnings Update	30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Isracard makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

OTCPK:ISCD.F Revenue, expenses and earnings (ILS Millions)
Date	Revenue	Earnings	G+A Expenses
30 Sep 24	2,855	261	1,401
30 Jun 24	2,806	263	1,353
31 Mar 24	2,811	261	1,344
31 Dec 23	2,802	252	1,350
30 Sep 23	2,844	214	1,433
30 Jun 23	2,776	194	1,413
31 Mar 23	2,674	160	1,380
31 Dec 22	2,525	155	1,254
30 Sep 22	2,426	199	1,118
30 Jun 22	2,330	238	1,018
31 Mar 22	2,275	319	920
31 Dec 21	2,248	343	886
30 Sep 21	2,155	244	886
30 Jun 21	2,062	206	874
31 Mar 21	1,901	157	830
31 Dec 20	1,826	93	823
30 Sep 20	1,838	196	811
30 Jun 20	1,895	218	829
31 Mar 20	1,999	180	891
31 Dec 19	2,105	244	910
30 Sep 19	2,135	251	942
30 Jun 19	2,173	260	989
31 Mar 19	2,200	323	1,007
31 Dec 18	2,204	318	1,034
30 Sep 18	2,074	269	990
30 Jun 18	1,933	253	918
31 Mar 18	1,819	256	842
31 Dec 17	2,090	299	971
30 Sep 17	1,682	271	736
30 Jun 17	1,677	268	735
31 Mar 17	1,656	234	748
31 Dec 16	1,632	229	734
30 Sep 16	1,599	240	720
30 Jun 16	1,577	233	698
31 Mar 16	1,557	255	664
31 Dec 15	1,539	251	668
30 Sep 15	1,529	275	667
30 Jun 15	1,508	275	664
31 Mar 15	1,509	271	669
31 Dec 14	1,518	292	655
30 Sep 14	1,522	278	655
30 Jun 14	1,517	290	642
31 Mar 14	1,476	279	623
31 Dec 13	1,479	286	620

Quality Earnings: ISCD.F has high quality earnings.

Growing Profit Margin: ISCD.F's current net profit margins (9.1%) are higher than last year (7.5%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: ISCD.F's earnings have grown by 3.4% per year over the past 5 years.

Accelerating Growth: ISCD.F's earnings growth over the past year (22%) exceeds its 5-year average (3.4% per year).

Earnings vs Industry: ISCD.F earnings growth over the past year (22%) exceeded the Consumer Finance industry -5.8%.

Return on Equity

High ROE: ISCD.F's Return on Equity (8.3%) is considered low.

Return on Assets

Return on Capital Employed

Discover strong past performing companies

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.