Isracard Ltd (ISCD) Fair Value & Analysis
Financial Services · Il · Market cap 4.0B ILA
Fair value as of: Jun 26, 2026
From 12 valuation models · updated 4 days ago
Fair value updated Jun 26, 2026 — revised from 13.77 ILA to 22.64 ILA (+64.4%) since Jun 24, 2026. Share price −12.3% over the past month.
Price vs Fair Value (12 months)
12‑month range 11.18 ILA – 17.14 ILA · fair‑value band 9.56 ILA – 46.45 ILA · the 11.32 ILA price screens below the 22.64 ILA fair value. As of Jun 26, 2026.
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Isracard Ltd (ISCD) currently trades at 11.32 ILA, while our model-based Fair Value estimate is 22.64 ILA — implying the stock looks roughly 100.0% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: medium) — always confirm before acting.
Over the trailing twelve months, Isracard Ltd generated revenue of 3.3B ILA at a net margin of -0.1%. Revenue grew 0.4% year over year. It earns a return on equity of -0.1%. Net debt stands at 3.8B ILA. Fundamentals as of Jun 26, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.
About the company
Isracard Ltd. operates as a credit card company in Israel. It offers various payment solutions, including Digital credit card, Apple Pay, Google Pay, Garmin Pay, Topcash, and Isracard application, as well as commercial credit and debit card clearing. The company also offers credit and finance services; and issuance of debit and settlement cards; as well discounting and settlement services for the debit card brands, such as Isracard, MasterCard, American Express, and Visa. Isracard Ltd. was incorporated in 1975 and is based in Bnei Brak, Israel.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Isracard Ltd reported revenue of 4.3B ILA in FY2025 versus 2.3B ILA in FY2021, a compound +16.8%/yr. Reported net income was −40.0M ILA in FY2025.
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Similar stocks
6 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jun 26, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | 5,663 MXN | 3,002 MXN | -47% |
| Mastercard Incorporated MA | C$29.95 | C$10.05 | -66% |
| M4I M4I | €430.50 | €368.29 | -14% |
| American Express Company AXP | C$28.87 | C$20.44 | -29% |
| Capital One Financial Corporation COF | $200.70 | $125.08 | -38% |
| Bajaj Finance Limited BAJFINANCE | ₹884.10 | ₹604.72 | -32% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.