Isracard Ltd. (TLV:ISCD)
Israel · Delayed Price · Currency is ILS · Price in ILA 1,088.00
+3.00 (0.28%)
Aug 20, 2026, 10:04 AM IDT
Isracard Income Statement
Financials in millions ILS. Fiscal year is January - December.
Millions ILS. Fiscal year is Jan - Dec.
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 |
Interest and Dividend Income | 1,291 | 1,243 | 1,138 | 1,103 | 613 | 433 |
Total Interest Expense | 279 | 247 | 191 | 170 | 31 | - |
Net Interest Income | 1,012 | 996 | 947 | 933 | 582 | 433 |
Gain (Loss) on Sale of Investments | - | - | - | -1 | -6 | - |
Other Revenue | 19 | 44 | 37 | 46 | 26 | 39 |
Revenue Before Loan Losses | 3,558 | 3,537 | 3,264 | 3,149 | 2,701 | 2,310 |
Provision for Loan Losses | 273 | 227 | 267 | 347 | 124 | 62 |
| 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% |
Salaries & Employee Benefits | 9 | 9 | 11 | 11 | 5 | - |
Cost of Services Provided | 2,965 | 2,869 | 2,623 | 2,455 | 2,264 | 1,758 |
Other Operating Expenses | - | - | - | - | - | -3 |
Total Operating Expenses | 2,974 | 2,878 | 2,634 | 2,466 | 2,269 | 1,755 |
Operating Income | 311 | 432 | 363 | 336 | 308 | 493 |
Earnings From Equity Investments | 4 | 5 | 3 | - | 3 | 7 |
Currency Exchange Gain (Loss) | 1 | -15 | -20 | 1 | -75 | -52 |
EBT Excluding Unusual Items | 316 | 422 | 346 | 337 | 236 | 448 |
Other Unusual Items | -8 | -425 | - | - | - | - |
Pretax Income | 308 | -3 | 346 | 337 | 238 | 490 |
Income Tax Expense | 80 | 37 | 81 | 84 | 83 | 147 |
Earnings From Continuing Ops. | 228 | -40 | 265 | 253 | 155 | 343 |
Minority Interest in Earnings | - | - | -1 | -1 | - | - |
Net Income | 228 | -40 | 264 | 252 | 155 | 343 |
Net Income to Common | 228 | -40 | 264 | 252 | 155 | 343 |
Net Income Growth | - | - | 4.76% | 62.58% | -54.81% | 268.82% |
Shares Outstanding (Basic) | 320 | 259 | 201 | 200 | 200 | 200 |
Shares Outstanding (Diluted) | 323 | 261 | 203 | 201 | 200 | 200 |
Shares Change | 60.42% | 28.62% | 1.09% | 0.24% | 0.08% | - |
EPS (Basic) | 0.71 | -0.15 | 1.32 | 1.26 | 0.77 | 1.72 |
EPS (Diluted) | 0.51 | -0.39 | 1.30 | 1.26 | 0.77 | 1.72 |
EPS Growth | - | - | 3.32% | 62.48% | -54.85% | 268.82% |
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 |
Free Cash Flow | 2,130 | -41 | 937 | -127 | 42 | 8,631 |
Free Cash Flow Per Share | 6.58 | -0.16 | 4.62 | -0.63 | 0.21 | 43.16 |
Dividend Per Share | - | - | 0.524 | 0.440 | 0.271 | 0.739 |
Dividend Growth | - | - | 19.00% | 62.65% | -63.37% | - |
Operating Margin | 9.47% | 13.05% | 12.11% | 11.99% | 11.95% | 21.93% |
Profit Margin | 6.94% | -1.21% | 8.81% | 8.99% | 6.02% | 15.26% |
Free Cash Flow Margin | 64.84% | -1.24% | 31.26% | -4.53% | 1.63% | 383.94% |
Effective Tax Rate | 25.97% | - | 23.41% | 24.93% | 34.87% | 30.00% |
Revenue as Reported | 3,624 | 3,522 | 3,244 | 3,150 | 2,628 | 2,303 |