Isracard (ISCD) AI Stock Analysis

• Market Cap: ₪5.00B
• Dividend Yield: 2.45%
• Average Volume (3M): 900.02K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.81
• Revenue Growth: 3.97%
• EPS Growth: -103.71%
• Country: US
• Employees: 1,997
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 12.20
• Shares Outstanding: 325,462,340
• 10 Day Avg. Volume: 1,066,765
• 30 Day Avg. Volume: 900,023
• PEG Ratio: 2.58
• Price to Book (P/B): 1.02
• Price to Sales (P/S): 0.95
• P/FCF Ratio: 3.47
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 59 Neutral
• Price Target: 1,387.00 ▲(0.36% Upside)

The score is held back primarily by weakening financial performance (TTM loss, higher leverage, and softer/volatile free cash flow). This is partially offset by strong technical momentum with the stock trading above key moving averages and positive MACD. Valuation remains a headwind due to the negative P/E, despite a moderate dividend yield.

Isracard Business Overview & Revenue Model

Company Description

Isracard Ltd. operates as a credit card company in Israel. Its products include Anyway App, Anypay, Topcash, Touch-Pay, Garmin Pay, and Isracard application. The company offers loans and credit plans, as well as issues debit cards. It also provides discounting and clearing services for the debit card brands, such as Isracard, MasterCard, American Express, and Visa. The company was founded in 1975 and is based in Tel Aviv, Israel. Isracard Ltd.(TASE:ISCD) operates independently of Bank Hapoalim B.M. as of March 9, 2020.

How the Company Makes Money

Isracard generates revenue through multiple streams primarily centered around its credit card operations. The company earns money through interchange fees, which are charged to merchants for processing credit card transactions. Additionally, Isracard collects interest and fees from cardholders on outstanding credit balances, late payments, and other credit-related services. The company also benefits from partnerships with banks and retailers, offering co-branded credit cards that drive additional transaction volumes and customer engagement. Furthermore, Isracard provides value-added services such as insurance products, financial advisory, and payment solutions, contributing to its diversified income sources.

Isracard Financial Statement Overview

Summary

Mixed fundamentals. Revenue has grown over 2020–2024 and operating profitability has been solid historically, but TTM profitability deteriorated to a net loss/negative EBIT. Leverage has increased in TTM (debt-to-equity rising), and free cash flow fell sharply versus the prior year with volatile conversion, keeping the financial profile only mid-range.

Income Statement

Annual results (2020–2024) show solid operating profitability and generally healthy spreads, with revenue rising from 2.09B (2020) to 3.40B (2024) and 2024 revenue growth of ~5%. However, profitability has cooled versus the 2021 peak (net margin fell from ~14.9% in 2021 to ~7.8% in 2024). Most importantly, TTM (Trailing-Twelve-Months) profitability turns negative (net loss and negative EBIT), which materially weakens the earnings quality and near-term trajectory.

Balance Sheet

The balance sheet shows a moderate-to-elevated leverage profile recently: debt-to-equity sits around ~0.73–0.77 in 2023–2024 but rises to ~1.07 in TTM (Trailing-Twelve-Months) as total debt increases. Equity is sizable (~3.1B TTM) and assets have grown, but returns weaken sharply with negative return on equity in TTM (Trailing-Twelve-Months), indicating pressure on capital efficiency and raising risk if earnings softness persists.

Cash Flow

Cash generation is positive in the most recent period, with TTM (Trailing-Twelve-Months) operating cash flow of 348M and free cash flow of 148M, but free cash flow is down sharply (negative growth) versus the prior year level. Cash flow has also been volatile historically (notably weak in 2023 with negative free cash flow, followed by a strong rebound in 2024). Free cash flow covering only ~43% of net income in TTM (Trailing-Twelve-Months) and the recent earnings loss signal weaker cash conversion and lower consistency.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	0.00	3.40B	3.23B	2.68B	2.31B	2.09B
Gross Profit	817.00M	2.71B	2.59B	2.15B	1.86B	1.61B
EBITDA	664.00M	1.00B	912.00M	871.00M	852.00M	525.00M
Net Income	-52.00M	264.00M	252.00M	155.00M	343.00M	93.00M
Balance Sheet
Total Assets	28.48B	25.60B	22.51B	22.68B	22.44B	23.92B
Cash, Cash Equivalents and Short-Term Investments	629.00M	1.00B	902.00M	1.85B	4.63B	125.00M
Total Debt	3.35B	2.44B	2.19B	1.06B	1.44B	5.21B
Total Liabilities	25.35B	22.42B	19.50B	19.88B	19.66B	21.47B
Stockholders Equity	3.13B	3.17B	3.00B	2.79B	2.78B	2.45B
Cash Flow
Free Cash Flow	148.00M	937.00M	-127.00M	42.00M	8.63B	841.00M
Operating Cash Flow	348.00M	1.10B	34.00M	214.00M	8.81B	1.01B
Investing Cash Flow	-2.07B	-1.15B	-2.08B	-2.48B	-223.00M	38.00M
Financing Cash Flow	1.19B	155.00M	1.07B	-506.00M	-4.06B	-1.12B

Isracard Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1382.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IL:ISCD, the sentiment is Positive. The current price of 1382 is below the 20-day moving average (MA) of 1531.85, below the 50-day MA of 1495.58, and above the 200-day MA of 1365.17, indicating a neutral trend. The MACD of -3.44 indicates Positive momentum. The RSI at 53.16 is Neutral, neither overbought nor oversold. The STOCH value of 72.48 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IL:ISCD.

Isracard Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PEN	75 Outperform	₪834.17M	11.73	―	5.35%	25.73%	45.19%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
MNIF	66 Neutral	₪1.57B	8.92	―	4.19%	25.72%	21.70%
NAWI	63 Neutral	₪1.69B	7.30	―	6.49%	33.06%	59.60%
JCFN	60 Neutral	₪834.88M	10.57	―	―	29.67%	15.36%
ISCD	59 Neutral	₪5.00B	-47.92	-1.61%	2.45%	3.97%	-103.71%
DIFI	51 Neutral	₪1.59B	12.33	―	5.03%	0.10%	15.03%