Isracard Ltd. (TLV:ISCD)
Israel · Delayed Price · Currency is ILS · Price in ILA 1,102.00
+6.00 (0.55%)
Sep 29, 2026, 2:27 PM IDT
Isracard Cash Flow Statement
Financials in millions ILS. Fiscal year is January - December.
Millions ILS. Fiscal year is Jan - Dec.
Operating Activities
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 |
Net Income | 228 | -40 | 264 | 252 | 155 | 343 |
Depreciation & Amortization | 39 | 33 | 159 | 160 | 137 | 135 |
Other Amortization | 134 | 134 | - | - | - | - |
Loss (Gain) From Sale of Investments | - | - | - | -2 | 3 | -3 |
Asset Writedown & Restructuring Costs | - | - | - | - | 21 | - |
Provision for Credit Losses | 273 | 227 | 267 | 347 | 124 | 62 |
Loss (Gain) on Equity Investments | 4 | -5 | -3 | - | -2 | -7 |
Stock-Based Compensation | 11 | 15 | 18 | 17 | 8 | - |
Change in Other Net Operating Assets | 1,590 | -198 | 583 | -692 | -322 | 8,368 |
Other Operating Activities | 73 | -15 | -189 | -48 | 90 | -31 |
Operating Cash Flow | 2,352 | 151 | 1,099 | 34 | 214 | 8,811 |
Operating Cash Flow Growth | - | -86.26% | 3132.35% | -84.11% | -97.57% | 771.51% |
Investing Activities
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 |
Capital Expenditures | -222 | -192 | -162 | -161 | -172 | -180 |
Sale of Property, Plant & Equipment | - | - | - | - | - | 126 |
Cash Acquisitions | - | - | - | - | -5 | - |
Investment in Securities | -51 | -56 | -11 | 30 | -12 | -11 |
Net Decrease (Increase) in Loans Originated / Sold - Investing | -2,385 | -2,249 | -975 | -1,946 | -2,287 | -158 |
Investing Cash Flow | -2,658 | -2,497 | -1,148 | -2,077 | -2,476 | -223 |
Financing Activities
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 |
Long-Term Debt Issued | - | 2,109 | 787 | 1,377 | - | - |
Long-Term Debt Repaid | - | -322 | -519 | -240 | -357 | -4,032 |
Net Debt Issued (Repaid) | 465 | 1,787 | 268 | 1,137 | -357 | -4,032 |
Issuance of Common Stock | 1,357 | 1,357 | - | - | - | - |
Common Dividends Paid | -1,246 | -1,299 | -99 | -68 | -149 | -28 |
Other Financing Activities | - | - | -14 | - | - | - |
Financing Cash Flow | 576 | 1,845 | 155 | 1,069 | -506 | -4,060 |
Net Cash Flow
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 |
Foreign Exchange Rate Adjustments | -25 | -16 | -6 | 22 | -10 | -22 |
Net Cash Flow | 245 | -517 | 100 | -952 | -2,778 | 4,506 |
Free Cash Flow
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 |
Free Cash Flow | 2,130 | -41 | 937 | -127 | 42 | 8,631 |
Free Cash Flow Growth | - | - | - | - | -99.51% | 926.28% |
Free Cash Flow Margin | 64.84% | -1.24% | 31.26% | -4.53% | 1.63% | 383.94% |
Free Cash Flow Per Share | 6.58 | -0.16 | 4.62 | -0.63 | 0.21 | 43.16 |
Additional Metrics
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 |
Cash Interest Paid | 266 | 223 | 190 | 125 | 30 | 41 |
Cash Income Tax Paid | 147 | 154 | 221 | 19 | 152 | 103 |