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Isracard Ltd. (IL:ISCD)
:ISCD
US Market

Isracard (ISCD) Ratios

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Isracard Ratios

IL:ISCD's free cash flow for Q3 2025 was ₪0.00. For the 2025 fiscal year, IL:ISCD's free cash flow was decreased by ₪ and operating cash flow was ₪0.00. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
1.28 1.25 1.27 1.18 1.20
Quick Ratio
1.28 1.25 1.27 1.18 1.20
Cash Ratio
0.03 0.05 0.05 0.10 0.26
Solvency Ratio
<0.01 0.02 0.02 0.02 0.02
Operating Cash Flow Ratio
0.02 0.06 <0.01 0.01 0.49
Short-Term Operating Cash Flow Coverage
0.00 0.00 0.00 0.00 0.00
Net Current Asset Value
₪ 1.29B₪ 2.13B₪ 2.19B₪ 2.00B₪ 1.98B
Leverage Ratios
Debt-to-Assets Ratio
0.12 0.10 0.10 0.05 0.06
Debt-to-Equity Ratio
1.07 0.77 0.73 0.38 0.52
Debt-to-Capital Ratio
0.52 0.43 0.42 0.28 0.34
Long-Term Debt-to-Capital Ratio
0.52 0.40 0.39 0.28 0.34
Financial Leverage Ratio
9.09 8.06 7.51 8.12 8.08
Debt Service Coverage Ratio
0.00 0.00 0.00 0.00 0.00
Interest Coverage Ratio
0.00 0.00 0.00 0.00 0.00
Debt to Market Cap
0.67 0.66 0.72 0.49 0.47
Interest Debt Per Share
11.00 12.16 10.93 5.30 7.19
Net Debt to EBITDA
4.09 1.44 1.42 -0.91 -3.77
Profitability Margins
Gross Profit Margin
0.00%79.51%80.27%80.11%80.54%
EBIT Margin
0.00%24.81%23.30%26.44%30.82%
EBITDA Margin
0.00%29.48%28.25%32.36%36.67%
Operating Profit Margin
0.00%24.81%23.30%26.82%30.95%
Pretax Profit Margin
0.00%10.08%10.44%8.80%20.94%
Net Profit Margin
0.00%7.76%7.81%5.81%14.87%
Continuous Operations Profit Margin
0.00%7.79%7.84%5.81%14.87%
Net Income Per EBT
148.57%76.97%74.78%65.96%71.01%
EBT Per EBIT
94.59%40.64%44.81%32.82%67.65%
Return on Assets (ROA)
-0.18%1.03%1.12%0.68%1.53%
Return on Equity (ROE)
-1.68%8.32%8.41%5.55%12.35%
Return on Capital Employed (ROCE)
-0.48%14.13%13.73%17.28%16.28%
Return on Invested Capital (ROIC)
-0.48%10.80%2.15%11.18%11.32%
Return on Tangible Assets
-0.18%1.05%1.14%0.68%1.55%
Earnings Yield
-1.12%8.13%9.55%7.19%11.17%
Efficiency Ratios
Receivables Turnover
0.00 0.15 0.00 0.00 0.00
Payables Turnover
0.00 0.04 0.04 0.03 0.03
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
0.00 7.19 6.99 5.87 5.65
Asset Turnover
0.00 0.13 0.14 0.12 0.10
Working Capital Turnover Ratio
0.00 0.71 0.81 0.77 0.63
Cash Conversion Cycle
0.00 -7.48K -9.44K -12.35K -14.25K
Days of Sales Outstanding
0.00 2.48K 0.00 0.00 0.00
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
0.00 9.95K 9.44K 12.35K 14.25K
Operating Cycle
0.00 2.48K 0.00 0.00 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
1.14 5.48 0.17 1.07 44.05
Free Cash Flow Per Share
0.49 4.67 -0.64 0.21 43.16
CapEx Per Share
0.66 0.81 0.81 0.86 0.90
Free Cash Flow to Operating Cash Flow
0.43 0.85 -3.74 0.20 0.98
Dividend Paid and CapEx Coverage Ratio
0.23 4.21 0.15 0.67 42.36
Capital Expenditure Coverage Ratio
1.74 6.78 0.21 1.24 48.95
Operating Cash Flow Coverage Ratio
0.10 0.45 0.02 0.20 6.13
Operating Cash Flow to Sales Ratio
0.00 0.32 0.01 0.08 3.82
Free Cash Flow Yield
2.97%28.85%-4.81%1.95%281.14%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
-89.48 12.30 10.48 13.91 8.95
Price-to-Sales (P/S) Ratio
0.00 0.95 0.82 0.81 1.33
Price-to-Book (P/B) Ratio
1.49 1.02 0.88 0.77 1.11
Price-to-Free Cash Flow (P/FCF) Ratio
33.62 3.47 -20.79 51.33 0.36
Price-to-Operating Cash Flow Ratio
13.37 2.95 77.65 10.07 0.35
Price-to-Earnings Growth (PEG) Ratio
0.15 2.58 0.17 -0.25 0.03
Price-to-Fair Value
1.49 1.02 0.88 0.77 1.11
Enterprise Value Multiple
11.59 4.68 4.31 1.59 -0.14
Enterprise Value
7.69B 4.69B 3.93B 1.37B -116.00M
EV to EBITDA
11.59 4.68 4.31 1.59 -0.14
EV to Sales
0.00 1.38 1.22 0.51 -0.05
EV to Free Cash Flow
51.98 5.01 -30.96 32.62 -0.01
EV to Operating Cash Flow
22.11 4.27 115.65 6.40 -0.01
Tangible Book Value Per Share
10.22 14.12 13.39 12.43 12.54
Shareholders’ Equity Per Share
10.29 15.82 14.98 13.97 13.88
Tax and Other Ratios
Effective Tax Rate
-0.54 0.24 0.25 0.35 0.30
Revenue Per Share
0.00 16.96 16.14 13.35 11.54
Net Income Per Share
-0.17 1.32 1.26 0.78 1.72
Tax Burden
1.49 0.77 0.75 0.66 0.71
Interest Burden
-0.07 0.41 0.45 0.33 0.68
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.00 0.02 0.02 0.02 0.03
Stock-Based Compensation to Revenue
0.00 <0.01 <0.01 <0.01 0.00
Income Quality
-6.69 4.15 0.13 1.38 25.69
Currency in ILS