Isracard Ltd. (IL:ISCD)
TASE:ISCD
Want to see IL:ISCD full AI Analyst Report?
Top Page
Isracard
(TASE:ISCD)
Select Model
Select Model
Rating:52Neutral
Price Target:
1,547.00
▲(11.94% Upside)
Action:ReiteratedDate:03/27/26
The score is held back primarily by weakened financial performance in 2025 (return to losses) alongside higher leverage, despite continued revenue growth and positive cash flow. Technical indicators are broadly neutral with negative MACD offset by mid-range RSI, while valuation is constrained by the negative P/E despite a supportive dividend yield.
Positive Factors
Consistent Revenue Growth
Sustained revenue growth, including a pronounced increase in 2025, indicates strong product adoption and market penetration in core payments businesses. Durable top-line expansion supports scale economies, underwriting of fixed costs, and the capacity to invest in platform and merchant relationships over the medium term.
Negative Factors
Return to Net Losses in 2025
A reversion to operating and net losses materially weakens earnings quality and undermines retained-earnings accumulation. Persistent or recurring losses could force strategic trade-offs (cost cuts, reduced investment, or capital raises), constrain dividend policy, and impair investor confidence across the next several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Consistent Revenue Growth
Sustained revenue growth, including a pronounced increase in 2025, indicates strong product adoption and market penetration in core payments businesses. Durable top-line expansion supports scale economies, underwriting of fixed costs, and the capacity to invest in platform and merchant relationships over the medium term.
Read all positive factors
Isracard (ISCD) vs. iShares MSCI Israel ETF (EIS)
Market Cap
₪4.90B
Dividend Yield2.45%
Average Volume (3M)900.02K
Price to Earnings (P/E)―
Beta (1Y)0.86
Revenue Growth8.53%
EPS Growth-128.99%
CountryIL
Employees1,997
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)-0.39
Shares Outstanding325,550,720
10 Day Avg. Volume1,066,765
30 Day Avg. Volume900,023
Financial Highlights & Ratios
PEG Ratio0.91
Price to Book (P/B)1.26
Price to Sales (P/S)0.94
P/FCF Ratio6.56
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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 provide...
How the Company Makes Money
null...
Isracard Financial Statement Overview
Summary
Income Statement
46
Neutral
Balance Sheet
54
Neutral
Cash Flow
63
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 4.29B | 3.40B | 3.23B | 2.68B | 2.31B |
| Gross Profit | 3.81B | 2.71B | 2.59B | 2.15B | 1.86B |
| EBITDA | 159.00M | 1.00B | 912.00M | 871.00M | 852.00M |
| Net Income | -40.00M | 264.00M | 252.00M | 155.00M | 343.00M |
Balance Sheet | |||||
| Total Assets | 27.88B | 25.60B | 22.51B | 22.68B | 22.44B |
| Cash, Cash Equivalents and Short-Term Investments | 485.00M | 1.00B | 902.00M | 1.85B | 4.63B |
| Total Debt | 4.25B | 2.44B | 2.19B | 1.06B | 1.44B |
| Total Liabilities | 24.68B | 22.42B | 19.50B | 19.88B | 19.66B |
| Stockholders Equity | 3.20B | 3.17B | 3.00B | 2.79B | 2.78B |
Cash Flow | |||||
| Free Cash Flow | 615.00M | 937.00M | -127.00M | 42.00M | 8.63B |
| Operating Cash Flow | 807.00M | 1.10B | 34.00M | 214.00M | 8.81B |
| Investing Cash Flow | -3.15B | -1.15B | -2.08B | -2.48B | -223.00M |
| Financing Cash Flow | 1.84B | 155.00M | 1.07B | -506.00M | -4.06B |
Isracard Technical Analysis
Positive
1382.00
Price Trends
1549.28
Positive
1526.72
Positive
1450.03
Positive
Market Momentum
7.32
Negative
58.35
Neutral
85.84
Negative
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 1478.85, below the 50-day MA of 1549.28, and below the 200-day MA of 1450.03, indicating a bullish trend. The MACD of 7.32 indicates Negative momentum. The RSI at 58.35 is Neutral, neither overbought nor oversold. The STOCH value of 85.84 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IL:ISCD.
Isracard Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ₪1.84B | 6.95 | ― | 4.19% | 25.88% | 22.09% | |
64 Neutral | ₪770.47M | 10.00 | ― | ― | 30.97% | 18.60% | |
55 Neutral | ₪1.81B | 9.68 | ― | 6.49% | 38.17% | 50.19% | |
55 Neutral | ₪730.04M | 13.32 | ― | 1.53% | 5.95% | -3.63% | |
52 Neutral | ₪4.90B | -39.19 | -1.68% | 2.45% | 8.53% | -128.99% | |
52 Neutral | ₪1.67B | 15.19 | ― | 5.03% | -4.07% | -14.92% |
* Financial Sector Average
IL:ISCD
Isracard
1,498.00
232.76
18.40%
IL:NAWI
Nawi
5,399.00
312.44
6.14%
IL:MNIF
Menif
3,038.00
977.34
47.43%
IL:DIFI
Direct Finance
56,380.00
2,247.42
4.15%
IL:MCLL
Michlol Fin
1,510.00
411.00
37.40%
IL:JCFN
Jacob Finance & Investments Ltd.
3,322.00
466.00
16.32%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.