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Isracard Ltd. (ISCD.TA)
Tel Aviv, IL
Isracard Ltd. operates as a key financial institution within Israel, primarily focused on the credit card market. Its comprehensive suite of offerings includes payment solutions such as the Anyway App, Anypay, Topcash, Touch-Pay, Garmin Pay, and the dedicated Isracard application. Beyond credit card services, the company extends various financial products, including loans and diverse credit plans, while also facilitating the issuance of debit cards. Additionally, Isracard is responsible for the discounting and clearing of transactions across prominent debit card brands, specifically Isracard itself, MasterCard, American Express, and Visa. Founded in 1975 and headquartered in Tel Aviv, Israel, the company has functioned autonomously from Bank Hapoalim B.M. since March 9, 2020.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.94% | -3.53% | -14.75% | -13.95% | -8.81% | -17.76% | -23.45% | -17.28% | -0.08% | -7.36% | -7.36% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2024-11 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 0 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
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Revenue growth Financial - Credit Services: +13.2%+26.1% ★
-
EPS growth Financial - Credit Services: +24.0%-111.5% Q1'26: +314.2% (vs Q1'25)
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FCF margin FCF growth · Financial - Credit Services: +70.9%+3.9% Q1'26: -88.8% (vs Q1'25)
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EBIT margin Financial - Credit Services: +28.7%-0.2% Q1'26: +6.2% (vs Q1'25)
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ROIC Financial - Credit Services: +5.0%-0.1% Q1'26: +2.4% (vs Q1'25)
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Share dilution Financial - Credit Services: +0.0%+27.5% Q1'26: +58.3% (vs Q1'25)
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Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×26.70× Q1'26: 10.81× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 |
| 2026-05-28 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 |
| 2026-05-27 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 |
| 2026-05-26 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 |
| 2026-05-25 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 |
| 2026-05-20 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 |
| 2026-05-19 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 |
| 2026-05-18 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 |
| 2026-05-15 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 |
| 2026-05-14 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 |
| 2026-05-13 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 |
| 2026-05-12 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 |
| 2026-05-11 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 |
| 2026-05-08 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 |
| 2026-05-07 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 |
| 2026-05-06 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 |
| 2026-05-05 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 |
| 2026-05-04 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 |
| 2026-05-01 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 |
| 2026-04-30 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 |
| 2026-04-29 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 |
| 2026-04-28 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 |
| 2026-04-27 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 |
| 2026-04-24 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 |
| 2026-04-23 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 |
| 2026-04-20 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 |
| 2026-04-17 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 |
| 2026-04-16 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | VanEck Israel ETF ISRA | 0.43% | 648.0K | 0.59% |
| 2 | iShares MSCI Israel ETF EIS | 0.17% | 1.53M | 0.59% |
| 3 | iShares International Developed Small Cap Value Factor ETF ISVL | 0.09% | 294.6K | 0.31% |
| 4 | Schwab International Small-Cap Equity ETF SCHC | 0.03% | 1.48M | 0.06% |
| 5 | Avantis International Small Cap Value ETF AVDV | 0.03% | 4.80M | 0.36% |
| 6 | Avantis International Small Cap Equity ETF AVDS | 0.02% | 71.6K | 0.30% |
| 7 | Vanguard FTSE All-World ex-US Small-Cap ETF VSS | 0.02% | 2.98M | 0.06% |
| 8 | iShares Currency Hedged MSCI EAFE Small-Cap ETF HSCZ | 0.02% | 44.2K | 0.83% |
| 9 | iShares MSCI EAFE Small-Cap ETF SCZ | 0.02% | 2.66M | 0.40% |
| 10 | Schwab Fundamental International Small Company Index ETF FNDC | 0.01% | 412.1K | 0.39% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Ran Oz | Chief Executive Officer | 4M | male |
| Itamar Forman | Chief Executive Officer | 4M | male |
| Yafit Gariani | Deputy Chief Executive Officer, Head of Business Clients Division & Member of the Management Board | 2M | female |
| Gila Lehr | Chief Credit Officer & Member of the Management Board | 2M | female |
| Ofer Levinger | CTO & Member of the Management | 2M | male |
| Limor Shako Mena | Chief Human Resources Officer & Member of the Management | 2M | female |
| Noa Naveh | Member of the Management Board, Vice President of Risk Management, Chief Legal Advisor & General Counsel | 2M | female |
| Yoni Regev | Member of the Management Board & Chief Financial Officer | — | male |
| Efrat Laizer | Vice President of Service & Operations | — | female |
| Gili Hoch | Member of the Management Board & Vice President of Strategy and Business Development | — | female |
| Menashe Avraham | Member of the Management Board, Vice President of Risk Management and Chief Risk Officer | — | male |
| Nir Carmon | Chief Accountant | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for ISCD.TA
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
