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Isracard Ltd (ISCD) fair value: what the stock is really worth

As of Nov 12, 2026: fair value (intrinsic value) of Isracard Ltd stock ILS 4.34, price ILS 11.40, that is 62.0% below the price, quality 35 out of 100. Rating: strongly overvalued. Calculated from audited financials with 3 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services Il · ISIN IL0011574030

IL Isracard Ltd logo Some data Nov 13, 2026

Isracard Ltd

ISCD · TA

Far too expensive (fair value 62% below the price), weak company and falling price: meets none of the 3 rules.

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Mixed Growth (revenue 5y +15.5 %/yr in ILS) 
Thin margins · 6.9% net margin (TTM) 
Some data 
Changed on Nov 2: ILS 20.06 → ILS 4.34 
Fair value 4.34 ILS · Strongly overvalued 
Quality 35/100 
Falling price (downtrend) 
Trails peers (2/13) 
Narrow moat 32/100 · thin data
⚠ Dilution
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

17.03 ILS 6.38 ILS Fair Value 4.34 ILS Jun 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 13, 2026.

How to read this chart

60‑month range 6.38 ILS – 17.03 ILS · fair‑value band 4.15 ILS – 10.74 ILS · the 11.40 ILS price screens above the 4.34 ILS fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 13, 2026.

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Company profile

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.

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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.

Stock analysis

Isracard Ltd (ISCD) currently trades at 11.40 ILS, while our model-based Fair Value estimate is 4.34 ILS, 62% below the price, so the stock looks overvalued today.

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Valuation

How firm this estimate is: it rests on 3 models at a data quality of 96/100, which puts the data coverage at medium.

Scenario range: 4.15 ILS (bear) to 10.74 ILS (bull), the price of 11.40 ILS sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 35/100 (below-average quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Isracard Ltd reported revenue of 4.3B ILS in FY2025 versus 2.3B ILS in FY2021, a compound +16.8%/yr. Reported net income was −40.0M ILS in FY2025.

Key figures

Market cap 3.7B ILS Small · P/E ratio 16.3 · P/S ratio 1.14 · EPS (TTM) 0.7000 ILS · Net margin 6.9% · Return on equity 7.2% · Return on assets (EBIT) 2.6% (5-year average) · Operating margin 2.4%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (low confidence).

What moves the price

The share trades about 33% below its 52-week high and 12% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −5% fair-value upside, at −62%, ISCD screens richer than that median.

Fair Value models

Bear 4.15 ILS Fair Value 4.34 ILS Bull 10.74 ILS
Price 11.40 ILS · Downside -62.0%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (0.6079 ILS per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Growth DCF n/a 5.10 ILS 12.64 ILS 74
Rev-Margin DCF n/a n/a 3.56 ILS 69
NCAV (Graham) 4.88 ILS 6.54 ILS 9.77 ILS 54
All 3 models by family
Asset-Based
NCAV (Graham) 4.88 ILS 6.54 ILS 9.77 ILS 54
Growth DCF
Growth DCF n/a 5.10 ILS 12.64 ILS 74
Rev-Margin DCF n/a n/a 3.56 ILS 69

The fair value above starts from this blend and is adjusted for dilution from new shares.

Open the full fair value analysis →

Quality Score breakdown

Overall quality 35/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 13
How much profit the company makes from its sales and capital
Quality Growth 60
Are margins and returns getting better?
Cashflow 67
Do the profits arrive as real cash?
Financial strength 5
Debt, balance sheet and risk of trouble
Investment 76
Does it invest with discipline instead of growing at any price?
Low Volatility 78
How calm the share price moves, does not count
Price momentum 26
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 16
Distance to the 52-week high, does not count
New shares 0
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 81/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+26.1%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+16.9%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+15.5%
Start year 2020 (pandemic). Over 10 years: +10.9% a year
Revenue growth 14 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.2%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
17.0% (2020) → −0.1% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

ISCD screens overvalued: fair value 62% below the price. Compare with Visa Inc →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 327 stocks

Beats the industry median on 2/13 measures
Overall it trails its industry peers.
Valuation
Quality Score 35 · Bottom 25%
Fair Value upside −62.0% · Bottom 25%
Profitability
Return on equity (12 months) 7.2% · Below median
Return on assets −0.1% · Bottom 25%
Net margin (12 months) 6.9% · Bottom 25%
Operating margin (12 months) 2.4% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) −1.8% · Below median
Balance sheet
Debt / equity 1.24× · Above median

Valuation Multiplesvs Credit Services median · lower = cheaper

P/E (12 months) 16.3× · Pricier than median
P/B 1.17× · Pricier than median
P/S (12 months) 1.14× · Cheapest 25%
Price / free cash flow (fiscal year) 6.1× · Cheaper than median
EV/EBITDA 45.9× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 45
FUTURE (revenue growth)0 · sector 57
PAST (return on equity)29 · sector 34
HEALTH (low debt)–
DIVIDEND (yield)0 · sector 63

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Credit Services stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Synchrony Financial, SYF $71.66 $141.92 +98% vs ISCD
PayPal Holdings PYPL $58.30 $107.45 +84% vs ISCD
Shriram Finance Limited SHRIRAMFIN ₹1,004 ₹1,309 +30% vs ISCD
Affirm Holdings AFRM $65.84 $72.55 +10% vs ISCD
Bajaj Finance Limited BAJFINANCE ₹1,115 ₹1,055 −5% vs ISCD
American Express Company AXP $318.06 $233.72 −27% vs ISCD
Visa Inc V $420.31 $242.87 −42% vs ISCD
Mastercard Incorporated MA $652.60 $360.13 −45% vs ISCD
Capital One Financial Corporation COF $193.60 $106.81 −45% vs ISCD
SoFi Technologies, Inc SOFI $15.63 $5.51 −65% vs ISCD

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Isracard Ltd: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Isracard Ltd Fair Value". https://www.fairvalue-calculator.com/stock/ISCD

Frequently asked questions

Is Isracard Ltd (ISCD) overvalued or undervalued?
As of Nov 13, 2026, our model estimates a fair value of 4.34 ILS versus a price of 11.40 ILS, about 62% lower (overvalued).
What is the fair value of ISCD?
Our model-based fair value for Isracard Ltd is 4.34 ILS (as of Nov 13, 2026), built from audited fundamentals. The current price: 11.40 ILS.
What is the quality score of ISCD?
Isracard Ltd has a Quality Score of 35/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Isracard Ltd (ISCD)?
Our model-based price target is the fair value of 4.34 ILS (as of Nov 13, 2026) from 3 valuation models. Cautious scenario 4.15 ILS, optimistic scenario 10.74 ILS. It is a calculation from audited fundamentals, not an analyst target.
What is the Isracard Ltd stock forecast for 2026?
Our models put fair value at 4.34 ILS, about 62% lower versus a price of 11.40 ILS (overvalued). Cautious scenario 4.15 ILS, optimistic scenario 10.74 ILS. The calculation is refreshed regularly with new filings.
What is the revenue of Isracard Ltd (ISCD)?
Isracard Ltd reported trailing-twelve-month revenue of about 3.3B ILS (latest available figure, as of Nov 13, 2026).
What is the intrinsic value of Isracard Ltd (ISCD)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Isracard Ltd it is 4.34 ILS per share (as of Nov 13, 2026), against a price of 11.40 ILS. It is the blended result of 3 valuation models in 2 families (Asset-Based, Growth DCF).
Is Isracard Ltd stock overvalued or undervalued in 2026?
As of Nov 13, 2026, ISCD trades above its calculated fair value: price 11.40 ILS, fair value 4.34 ILS, a gap of about −62% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of ISCD?
No. The price is what the market pays today (11.40 ILS); the fair value is what the company's own numbers justify (4.34 ILS). For Isracard Ltd the two are 7.07 ILS per share apart. That gap is exactly why we show both numbers side by side.
How much is Isracard Ltd worth?
The market values Isracard Ltd at about 3.7B ILS (market capitalisation, as of Nov 13, 2026). Per share that is 11.40 ILS; our models calculate a fair value of 4.34 ILS per share.
What do the bullish and bearish scenarios say about ISCD?
Our models span a range for Isracard Ltd: cautious scenario 4.15 ILS, base 4.34 ILS, optimistic 10.74 ILS per share (as of Nov 13, 2026, price 11.40 ILS). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of ISCD?
Isracard Ltd trades at a price-to-earnings ratio of 16.3 (as of Nov 13, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 4.34 ILS is built from several models across several years. Other multiples: P/B 1.2, P/S 1.1, EV/EBITDA 45.9.
How solid is the balance sheet of Isracard Ltd (ISCD)?
Balance-sheet figures for Isracard Ltd (as of Nov 13, 2026): return on equity 7.2%, debt of 1.24 per unit of equity. They feed the Quality Score of 35/100, which measures business quality independently of the share price.
How far is ISCD from its 52-week high?
Isracard Ltd trades at 11.40 ILS, about 33% below its 52-week high of 17.03 ILS and 12% above the low of 10.18 ILS (as of Nov 12, 2026). Distance from the high says nothing about value: that is what the fair value of 4.34 ILS is for.
Which stocks are comparable to Isracard Ltd?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Isracard Ltd stock attractive at the current price?
The data as of Nov 13, 2026: price 11.40 ILS, calculated fair value 4.34 ILS (−62%), Quality Score 35/100, from 3 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of ISCD calculated?
We run Isracard Ltd through 3 models from 2 families: Asset-Based, Growth DCF. Every model gets the same audited fundamentals; the fair value of 4.34 ILS builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.3% above its aggregate fair value. Isracard Ltd itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Isracard Ltd (ISCD)?
The closing price on Nov 12, 2026 was 11.40 ILS. Our model-based fair value is 4.34 ILS, about 62% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Isracard Ltd right now?
The price sits above even our optimistic bull case (10.74 ILS). The favourable scenario is already priced in. Weak quality (35/100) and above fair value at the same time, the margin of safety is missing on both counts. A fairly wide model range (4.15 ILS to 10.74 ILS) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Isracard Ltd (ISCD) come from?
Earnings per share at Isracard Ltd grew −0.1 % a year from 2014 to 2025. Broken into its drivers: revenue per share +9.2 %, EBIT margin −7.3 %, tax rate +1.0 %, residual (interest, one-offs) −2.3 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Isracard Ltd

How large is the market capitalisation of Isracard Ltd (ISCD)?
The market capitalisation of Isracard Ltd is 3.7B ILS. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Isracard Ltd (ISCD)?
The price-to-sales ratio of Isracard Ltd is 1.14 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Isracard Ltd (ISCD)?
Earnings per share at Isracard Ltd are 0.7000 ILS (price ÷ EPS = P/E 16.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Isracard Ltd (ISCD)?
The net margin of Isracard Ltd is 6.9% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Isracard Ltd (ISCD)?
The return on equity (ROE) of Isracard Ltd is 7.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Isracard Ltd (ISCD)?
On an EBIT basis the return on assets of Isracard Ltd is 2.6% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Isracard Ltd (ISCD)?
The operating margin of Isracard Ltd is 2.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Isracard Ltd (ISCD)?
Revenue at Isracard Ltd is growing −1.8% versus a year earlier (3y avg +16.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Isracard Ltd (ISCD)?
Earnings per share at Isracard Ltd are growing +361% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Isracard Ltd (ISCD) generate?
The free cash flow of Isracard Ltd is 615M ILS (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Isracard Ltd (ISCD) carry?
The net debt of Isracard Ltd is 3.8B ILS (fiscal year 2025, ≈ 6.2 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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