Isracard Ltd. (TLV:ISCD)

Israel · Delayed Price · Currency is ILS · Price in ILA

1,085.00

+11.00 (1.02%)

Aug 19, 2026, 5:24 PM IDT

Isracard Financials Overview

Financials in millions ILS. Fiscal year is January - December.

Millions ILS. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	3,285	3,310	2,997	2,802	2,577	2,248
Revenue Growth	3.27%	10.44%	6.96%	8.73%	14.64%	23.11%
Operating Income	311	432	363	336	308	493
Net Income	228	-40	264	252	155	343
Earnings Per Share	0.51	-0.39	1.30	1.26	0.77	1.72
EPS Growth	-	-	3.32%	62.48%	-54.85%	268.82%

Revenue by Segment

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Private Customers	2,424	2,404	2,172	2,066	1,911	1,760
Business Customers	851	891	805	737	629	543
Total	3,275	3,295	2,977	2,803	2,540	2,303

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	584	477	994	894	1,846	4,624
Total Debt	4,211	4,245	2,440	2,186	1,060	1,438
Net Cash (Debt)	-3,627	-3,768	-1,446	-1,292	786	3,186
Net Cash Growth	-	-	-	-	-75.33%	-
Net Cash Per Share	-11.21	-14.44	-7.13	-6.44	3.93	15.93

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	2,352	151	1,099	34	214	8,811
Capital Expenditures	-222	-192	-162	-161	-172	-180
Free Cash Flow	2,130	-41	937	-127	42	8,631
Free Cash Flow Growth	-	-	-	-	-99.51%	926.28%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Margin	9.47%	13.05%	12.11%	11.99%	11.95%	21.93%
Pretax Margin	9.38%	-0.09%	11.54%	12.03%	9.24%	21.80%
Profit Margin	6.94%	-1.21%	8.81%	8.99%	6.02%	15.26%
FCF Margin	64.84%	-1.24%	31.26%	-4.53%	1.63%	383.94%

Dividends

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	0.524	0.440	0.271	0.739
Dividend Per Share Growth	19.00%	62.65%	-63.37%	-
Dividend Yield	4.52%	4.83%	3.92%	7.50%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 20, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	21.08	-	12.36	10.49	13.19	8.95
P/FCF Ratio	1.66	-	3.48	-	48.67	0.36
PS Ratio	1.08	1.53	1.09	0.94	0.79	1.37