Isracard Ratios and Metrics

Market cap in millions ILS. Fiscal year is January - December.

Millions ILS. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Feb '26 Feb 26, 2026	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
Market Capitalization	5,045	3,262	2,643	2,044	3,070	2,170
Market Cap Growth	51.71%	23.41%	29.32%	-33.42%	41.48%	-15.96%
PE Ratio	-	12.36	10.49	13.19	8.95	23.33
PS Ratio	1.54	1.09	0.94	0.79	1.37	1.19
PB Ratio	1.61	1.03	0.88	0.73	1.11	0.89
P/FCF Ratio	34.09	3.48	-	48.67	0.36	2.58
P/OCF Ratio	14.50	2.97	77.74	9.55	0.35	2.15
Debt / Equity Ratio	1.07	0.77	0.73	0.38	0.52	2.13
Debt / FCF Ratio	22.61	2.60	-	25.24	0.17	6.20
Net Debt / Equity Ratio	0.87	0.46	0.43	-0.28	-1.15	2.08
Net Debt / FCF Ratio	18.41	1.54	-10.17	-18.71	-0.37	6.06
Quick Ratio	1.28	1.24	1.26	1.16	1.19	1.19
Current Ratio	1.28	1.25	1.28	1.18	1.20	1.20
Asset Turnover	0.12	0.13	0.12	0.11	0.10	0.08
Return on Equity (ROE)	-1.66%	8.57%	8.70%	5.55%	13.13%	3.82%
Return on Assets (ROA)	-0.19%	1.10%	1.12%	0.69%	1.48%	0.38%
Return on Invested Capital (ROIC)	6.28%	5.14%	5.57%	4.96%	5.81%	1.29%
Earnings Yield	-1.03%	8.09%	9.53%	7.58%	11.17%	4.29%
FCF Yield	2.93%	28.73%	-4.81%	2.05%	281.14%	38.76%
Dividend Yield	3.41%	4.52%	4.83%	3.92%	7.50%	-
Payout Ratio	-	37.50%	26.98%	96.13%	8.16%	78.50%
Buyback Yield / Dilution	-12.52%	-1.09%	-0.24%	-0.08%	-	-
Total Shareholder Return	-9.11%	3.43%	4.59%	3.84%	7.50%	-

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.