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 2023	FY 2022	FY 2021	FY 2020	FY 2019	2018 - 2014
Period Ending	Sep '24 Sep 12, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	Dec '19 Dec 31, 2019	2018 - 2014
Market Capitalization	2,696	2,643	2,044	3,070	2,170	2,582	Upgrade
Market Cap Growth	-18.61%	29.32%	-33.42%	41.47%	-15.96%	-	Upgrade
PE Ratio	10.27	10.10	12.42	8.02	20.69	9.02	Upgrade
PS Ratio	0.96	0.94	0.81	1.37	1.19	1.23	Upgrade
PB Ratio	0.87	0.88	0.73	1.11	0.89	1.06	Upgrade
P/FCF Ratio	-2519.60	-20.81	48.67	0.36	2.58	-1.91	Upgrade
P/OCF Ratio	15.85	77.74	9.55	0.35	2.15	-2.14	Upgrade
Debt / Equity Ratio	0.68	0.73	0.38	0.52	2.13	2.55	Upgrade
Debt / FCF Ratio	-2111.00	-17.21	25.24	0.17	6.20	-4.56	Upgrade
Quick Ratio	1.28	1.26	1.16	1.19	1.19	1.20	Upgrade
Current Ratio	1.28	1.28	1.18	1.20	1.20	1.21	Upgrade
Asset Turnover	0.12	0.12	0.11	0.10	0.08	0.09	Upgrade
Return on Equity (ROE)	8.77%	8.70%	5.55%	13.13%	3.82%	8.29%	Upgrade
Return on Assets (ROA)	1.09%	1.12%	0.69%	1.48%	0.38%	1.04%	Upgrade
Earnings Yield	9.74%	9.53%	7.58%	11.17%	4.29%	9.45%	Upgrade
FCF Yield	-0.04%	-4.80%	2.05%	281.14%	38.76%	-52.48%	Upgrade
Dividend Yield	3.92%	3.46%	2.81%	5.37%	-	-	Upgrade
Payout Ratio	33.46%	26.98%	96.13%	8.16%	78.49%	355.33%	Upgrade
Buyback Yield / Dilution	-0.77%	-	-	-	-	-	Upgrade
Total Shareholder Return	3.15%	3.46%	2.81%	5.37%	-	-	Upgrade

Source: S&P Capital IQ. Financial Services template. Financial Sources.