1. Israel Stocks

  2. •

    Finance

  3. •

    Finance/Rental/Leasing
Isracard Ltd.

Isracard Ltd.

1,177.00
ILA
-5.00
(-0.42%)
70.81EPS
15.80P/E
366.40BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
7.06
7.37
7.64
8.31
10.95
11.77
11.45
10.47
11.54
13.4
16.25
16.96
14.39
11.77
Basic EPS, GAAP
1.43
1.46
1.25
1.15
1.5
1.59
1.22
0.47
1.72
0.77
1.26
1.32
-0.15
0.71
Free Cash Flow per Basic Share
-0.21
-0.79
-0.93
-0.13
-1.21
0.05
-6.77
4.21
43.16
0.21
-0.63
4.67
-0.16
6.65
Dividend per Share
- -
- -
- -
- -
1.2
- -
4.34
0.37
0.14
0.74
0.34
0.49
5.02
3.89
Book Value per Share
9.74
11.01
12.28
13.33
13.51
17.29
12.14
12.23
13.89
13.95
14.96
15.72
9.84
10.24
Tangible Book Value per Share
9.74
11.01
12.28
13.33
13.51
17.29
12.14
12.23
13.89
13.84
14.85
15.62
9.77
10.18
Basic Weighted Avg Shares
200
200
200
200
200
200
200
200
200
200
200
201
259
320
Sales/Revenue/Turnover
1,411
1,474
1,527
1,661
2,189
2,354
2,290
2,093
2,307
2,682
3,254
3,402
3,722
3,768
Operating Margin (%)
46.14
48.91
45.51
43.05
38.97
38.87
27.16
17.2
31.08
26.58
23.91
24.81
14.08
20.51
Depreciation Expense
62
62
87
82
78
90
98
171
135
158
160
159
167
173
Net Income, GAAP
286
292
251
229
299
318
244
93
343
155
252
264
-40
228
Effective Tax Rate (%)
24.93
28.43
29.92
32.74
27.32
26.11
26.61
36.23
30.43
35.32
24.93
23.62
- -
26.32
Profit Margin (%)
20.27
19.81
16.44
13.79
13.66
13.51
10.66
4.44
14.87
5.78
7.74
7.76
-1.07
6.05
Working Capital
1,652
1,920
2,199
2,397
4,447
3,570
3,979
7,129
3,594
3,332
4,662
4,923
6,760
6,779
LT Debt
18
28
- -
- -
2,017
525
2,074
5,210
1,438
1,060
2,186
2,440
4,245
4,211
Total Equity
1,948
2,201
2,456
2,665
2,701
3,457
2,427
2,446
2,777
2,806
3,010
3,174
3,202
3,335
Return on Invested Capital (%)
26.73
25.46
20.19
15.01
12.04
10.71
6.36
2.42
6.87
12.42
14.25
13.15
- -
8.57
Return on Capital (%)
14.94
13.77
9.97
6.87
5.63
4.88
3.27
0.95
4.5
3.84
5.54
4.87
- -
3.2
Return on Common Equity (%)
15.51
14.08
10.78
8.94
11.14
10.33
8.29
3.82
13.13
5.56
8.7
8.56
-1.25
7.22

Capital Structure

ILS

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
3,966
4,411
4,211
LT Finance Leases
279
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
325
325
326
Market Capitalization
5,077
4,527
3,664

Working Capital

ILS

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
26,724
25,653
26,525
Cash, Cash Equivalents & STI
485
429
591
Accounts Receivable, Net
25,663
25,224
25,934
Inventories
- -
- -
- -
Total Current Liabilities
19,964
18,539
19,746
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

ILS

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
3.7%
5.63%
0.88%
Free Cash Flow
-1,519.44%
-103.56%
-104.38%
Net Income, GAAP
10.92%
33.24%
-115.15%
Sales/Revenue/Turnover
9.86%
12.35%
9.41%
Total Cash Common Dividend
- -
314.77%
1,212.12%

Quarterly Revenue

ILS

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
761
799
845
1,007
3,402
2025
832
850
923
1,117
3,722
2026
844
884
- -
- -
- -

Quarterly Earnings Per Share

ILS

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.32
0.34
0.39
0.27
1.32
2025
0.03
-0.74
0.12
0.2
-0.15
2026
0.14
0.25
- -
- -
- -

Quarterly Dividends Per Share

ILS

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
0.23
0.26
- -
0.49
2025
0.26
- -
4.09
- -
5.02
2026
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Ran Oz
Full Time Employees
2,034
Sector
Finance
Industry
Finance/Rental/Leasing
Address
12 Bar Kochba Street Bnei Braq Israel 5126105
IPO Date
Apr 14, 2019
Website
digital.isracard.co.il
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Business
Isracard Ltd. operates as a leading credit card and financial services company in Israel, specializing in credit card issuance, merchant acquiring services, loans, and credit solutions. The company provides a broad range of payment products including digital credit cards, Apple Pay, Google Pay, Garmin Pay, Topcash, and its proprietary Isracard application. It issues debit and settlement cards and offers discounting and settlement services for major debit card brands such as Isracard, MasterCard, American Express, and Visa. Isracard services private consumers and business customers across Israel. Founded in 1975, the company is headquartered in Bnei Brak, Israel. Recent major changes include Isracard's proposed acquisition of Bank of Jerusalem Ltd. for approximately ILS 7.1 billion, which would make Isracard a privately held subsidiary wholly owned by Bank of Jerusalem. In early 2025, the Delek Group acquired a significant stake in Isracard, increasing its holding to 40% with a capital injection of NIS 1.3 billion, following a previous agreement with Menora Mivtachim Holdings that was canceled. This strategic investment positions Delek Group for substantial control of the company subject to regulatory approvals from the Bank of Israel and the Israel Competition Authority. Isracard also continues to expand its digital payment ecosystem focusing on enhancing secure, convenient payment solutions for Israeli consumers and merchants. Isracard operates exclusively in the financial services sector within Israel and maintains a workforce of approximately 1,997 employees. It is publicly traded on the Tel Aviv Stock Exchange under the ticker ISCD.TA. The company's comprehensive financial solutions encompass credit card issuing, merchant acquiring, credit financing, payment processing, digital wallet applications, and loyalty programs. It leverages strategic partnerships with global brands while advancing its own technology infrastructure to support robust payment acceptance and financing options across the Israeli market.