Isracard Ltd. (TLV:ISCD)
Israel · Delayed Price · Currency is ILS · Price in ILA 1,402.00
+17.00 (1.23%)
At close: Nov 27, 2025
Isracard Income Statement
Financials in millions ILS. Fiscal year is January - December.
Millions ILS. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2015 - 2019 |
|---|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 | 2015 - 2019 |
Interest and Dividend Income | 979 | 947 | 933 | 582 | 433 | 433 | Upgrade |
Net Interest Income | 979 | 947 | 933 | 582 | 433 | 433 | Upgrade |
Gain (Loss) on Sale of Investments | - | - | -1 | -6 | - | 3 | Upgrade |
Other Revenue | 46 | 37 | 46 | 26 | 39 | 31 | Upgrade |
Revenue Before Loan Losses | 3,477 | 3,264 | 3,149 | 2,701 | 2,310 | 2,073 | Upgrade |
Provision for Loan Losses | 203 | 267 | 347 | 124 | 62 | 247 | Upgrade |
| 3,274 | 2,997 | 2,802 | 2,577 | 2,248 | 1,826 | Upgrade | |
Revenue Growth (YoY) | 14.68% | 6.96% | 8.73% | 14.64% | 23.11% | -13.25% | Upgrade |
Cost of Services Provided | 3,289 | 2,634 | 2,466 | 2,269 | 1,758 | 1,667 | Upgrade |
Other Operating Expenses | - | - | - | - | -3 | -3 | Upgrade |
Total Operating Expenses | 3,289 | 2,634 | 2,466 | 2,269 | 1,755 | 1,664 | Upgrade |
Operating Income | -15 | 363 | 336 | 308 | 493 | 162 | Upgrade |
Earnings From Equity Investments | 4 | 3 | - | 3 | 7 | 5 | Upgrade |
Currency Exchange Gain (Loss) | -22 | -20 | 1 | -75 | -52 | -24 | Upgrade |
EBT Excluding Unusual Items | -33 | 346 | 337 | 236 | 448 | 143 | Upgrade |
Pretax Income | -33 | 346 | 337 | 238 | 490 | 143 | Upgrade |
Income Tax Expense | 19 | 81 | 84 | 83 | 147 | 50 | Upgrade |
Earnings From Continuing Ops. | -52 | 265 | 253 | 155 | 343 | 93 | Upgrade |
Minority Interest in Earnings | - | -1 | -1 | - | - | - | Upgrade |
Net Income | -52 | 264 | 252 | 155 | 343 | 93 | Upgrade |
Net Income to Common | -52 | 264 | 252 | 155 | 343 | 93 | Upgrade |
Net Income Growth | - | 4.76% | 62.58% | -54.81% | 268.82% | -61.88% | Upgrade |
Shares Outstanding (Basic) | 227 | 201 | 200 | 200 | 200 | 200 | Upgrade |
Shares Outstanding (Diluted) | 227 | 203 | 201 | 200 | 200 | 200 | Upgrade |
Shares Change (YoY) | 12.17% | 1.09% | 0.24% | 0.08% | - | - | Upgrade |
EPS (Basic) | -0.23 | 1.32 | 1.26 | 0.77 | 1.72 | 0.47 | Upgrade |
EPS (Diluted) | -0.38 | 1.30 | 1.26 | 0.77 | 1.72 | 0.47 | Upgrade |
EPS Growth | - | 3.32% | 62.48% | -54.85% | 268.82% | -61.88% | Upgrade |
Free Cash Flow | 148 | 937 | -127 | 42 | 8,631 | 841 | Upgrade |
Free Cash Flow Per Share | 0.65 | 4.62 | -0.63 | 0.21 | 43.16 | 4.21 | Upgrade |
Dividend Per Share | 0.260 | 0.524 | 0.440 | 0.271 | 0.739 | - | Upgrade |
Dividend Growth | -47.12% | 19.00% | 62.65% | -63.37% | - | - | Upgrade |
Operating Margin | -0.46% | 12.11% | 11.99% | 11.95% | 21.93% | 8.87% | Upgrade |
Profit Margin | -1.59% | 8.81% | 8.99% | 6.02% | 15.26% | 5.09% | Upgrade |
Free Cash Flow Margin | 4.52% | 31.26% | -4.53% | 1.63% | 383.94% | 46.06% | Upgrade |
Effective Tax Rate | - | 23.41% | 24.93% | 34.87% | 30.00% | 34.97% | Upgrade |
Revenue as Reported | 3,455 | 3,244 | 3,150 | 2,628 | 2,303 | 2,052 | Upgrade |
Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.