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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Apr '26 Apr 28, 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
Market Capitalization	4,932	5,077	3,262	2,643	2,044	3,070
Market Cap Growth	48.30%	55.64%	23.41%	29.32%	-33.42%	41.48%
PE Ratio	-	-	12.36	10.49	13.19	8.95
PS Ratio	1.49	1.53	1.09	0.94	0.79	1.37
PB Ratio	1.54	1.59	1.03	0.88	0.73	1.11
P/FCF Ratio	-	-	3.48	-	48.67	0.36
P/OCF Ratio	32.66	33.62	2.97	77.74	9.55	0.35
Debt / Equity Ratio	1.33	1.33	0.77	0.73	0.38	0.52
Debt / FCF Ratio	-	-	2.60	-	25.24	0.17
Net Debt / Equity Ratio	1.18	1.18	0.46	0.43	-0.28	-1.15
Net Debt / FCF Ratio	-91.90	-91.90	1.54	-10.17	-18.71	-0.37
Quick Ratio	1.27	1.27	1.24	1.26	1.16	1.19
Current Ratio	1.29	1.29	1.25	1.28	1.18	1.20
Asset Turnover	0.12	0.12	0.13	0.12	0.11	0.10
Return on Equity (ROE)	-1.26%	-1.26%	8.57%	8.70%	5.55%	13.13%
Return on Assets (ROA)	-0.15%	-0.15%	1.10%	1.12%	0.69%	1.48%
Return on Invested Capital (ROIC)	6.21%	6.62%	5.14%	5.57%	4.96%	5.81%
Earnings Yield	-0.81%	-0.79%	8.09%	9.53%	7.58%	11.17%
FCF Yield	-0.83%	-0.81%	28.73%	-4.81%	2.05%	281.14%
Dividend Yield	39.70%	-	4.52%	4.83%	3.92%	7.50%
Payout Ratio	-	-	37.50%	26.98%	96.13%	8.16%
Buyback Yield / Dilution	-28.62%	-28.62%	-1.09%	-0.24%	-0.08%	-
Total Shareholder Return	11.08%	-28.62%	3.43%	4.59%	3.84%	7.50%

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