Isracard Ltd (ISCD) fair value: what the stock is really worth
As of Sep 28, 2026: fair value of Isracard Ltd ILS 18.79, price ILS 10.96, upside +71.4%, quality 34 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.
How to read this chart
60‑month range 6.38 ILA – 17.03 ILA · fair‑value band 9.56 ILA – 31.35 ILA · the 10.96 ILA price screens below the 18.79 ILA fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 27, 2026.
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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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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.
Stock analysis
Isracard Ltd (ISCD) currently trades at 10.96 ILA, while our model-based Fair Value estimate is 18.79 ILA, implying the stock looks roughly 41.7% undervalued today.
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Valuation
Bull case: the Dividend Discount group reads highest at a median of 51.01 ILA per share, and 4 of the 5 models we run sit above the 10.96 ILA price.
Bear case: the Asset-Based group reads lowest at 6.59 ILA, and 1 of the 5 models stay below the price. Evidence for this calculation is medium.
Scenario range: 9.56 ILA (bear) to 31.35 ILA (bull), the price of 10.96 ILA sits inside 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 34/100 (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 3.6B ILA · P/S ratio 1.11 · EPS (TTM) −0.2800 ILA · Net margin −0.9% · Return on equity −0.1% · Return on assets (EBIT) 2.6% · Operating margin 7.1% · Revenue (TTM) 3.3B ILA.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).
What moves the price
The share trades about 36% below its 52-week high and 8% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 10% fair-value upside, at 71%, ISCD screens cheaper than that median.
Fair Value models
Bear 9.56 ILAFair Value 18.79 ILABull 31.35 ILA
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.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.Evidence ⓘEvidence = 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.
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.67/100
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%
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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
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+11.1%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (Israel: IMF forecast 2.1% a year to 2030, 1.7% from 2016 to 2025) that is about +8.8% a year for the price.
Price, fair value, quality and upside side by side.
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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 · 332 stocks
Beats the industry median on 4/11 measures
Overall it trails its industry peers.
Valuation
Quality Score34 · Bottom 25%
Fair Value upside+71.4% · Above median
Profitability
Return on assets0.0% · Bottom 25%
Net margin (TTM)−0.1% · Bottom 25%
Operating margin (TTM)7.1% · Bottom 25%
Growth and dividend
Revenue growth−1.3% · Below median
Balance sheet
Debt / equity1.24× · Above median
Valuation Multiplesvs Credit Services median · lower = cheaper
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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 Sep 27, 2026, our model estimates a fair value of 18.79 ILA versus a price of 10.96 ILA, about +71% upside (undervalued).
What is the fair value of ISCD?
Our model-based fair value for Isracard Ltd is 18.79 ILA (as of Sep 27, 2026), built from audited fundamentals. The current price: 10.96 ILA.
What is the quality score of ISCD?
Isracard Ltd has a Quality Score of 34/100. 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 18.79 ILA (as of Sep 27, 2026) from 5 valuation models. Cautious scenario 9.56 ILA, optimistic scenario 31.35 ILA. 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 18.79 ILA, about +71% upside versus a price of 10.96 ILA (undervalued). Cautious scenario 9.56 ILA, optimistic scenario 31.35 ILA. 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 Sep 27, 2026).
What growth is priced into Isracard Ltd (ISCD)?
For today's price to be fair in a discounted-cash-flow model, Isracard Ltd would have to grow free cash flow by +11.1 % per year for five years (discount rate 11.6 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +15.5 % per year. As of Sep 27, 2026.
What discount rate (WACC) does the fair value of ISCD use?
Our models discount Isracard Ltd at 11.6 %: a base by market capitalisation (small), damped by beta 0.38, country premium for Israel. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Isracard Ltd that is +11.1 % per year a year over ten years, using the same discount rate (11.6 %) and the same formula as our fair value.
How much growth has Isracard Ltd (ISCD) delivered so far?
Over the past 5 years revenue at Isracard Ltd grew +15.5 % a year. The price currently implies +11.1 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Isracard Ltd (ISCD) growing?
The median revenue growth in the sector is +9.1 % a year. That is the yardstick for the growth priced into Isracard Ltd (+11.1 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Isracard Ltd (ISCD)?
The free-cash-flow yield on the price is 21.70 %: that much free cash flow Isracard Ltd produces per unit of market value. When it exceeds the discount rate of our models (11.6 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
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 18.79 ILA per share (as of Sep 27, 2026), against a price of 10.96 ILA. It is the blended result of 5 valuation models (cash flow, earnings, asset, dividend).
Is Isracard Ltd stock overvalued or undervalued in 2026?
As of Sep 27, 2026, ISCD trades below its calculated fair value: price 10.96 ILA, fair value 18.79 ILA, a gap of about +71% (undervalued). 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 (10.96 ILA); the fair value is what the company's own numbers justify (18.79 ILA). For Isracard Ltd the two are 7.83 ILA 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 3.6B ILA (market capitalisation, as of Sep 27, 2026). Per share that is 10.96 ILA; our models calculate a fair value of 18.79 ILA per share.
What do the bullish and bearish scenarios say about ISCD?
Our models span a range for Isracard Ltd: cautious scenario 9.56 ILA, base 18.79 ILA, optimistic 31.35 ILA per share (as of Sep 27, 2026, price 10.96 ILA). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Isracard Ltd (ISCD)?
Balance-sheet figures for Isracard Ltd (as of Sep 27, 2026): return on equity −0.1%, debt of 1.24 per unit of equity. They feed the Quality Score of 34/100, which measures business quality independently of the share price.
How far is ISCD from its 52-week high?
Isracard Ltd trades at 10.96 ILA, about 36% below its 52-week high of 17.03 ILA and 8% above the low of 10.18 ILA (as of Sep 28, 2026). Distance from the high says nothing about value: that is what the fair value of 18.79 ILA 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 Sep 27, 2026: price 10.96 ILA, calculated fair value 18.79 ILA (+71%), Quality Score 34/100, from 5 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 5 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 18.79 ILA, 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 15.9 % above its aggregate fair value. Isracard Ltd currently trades 71 % below its own fair value, and the market average says nothing about that. 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 Sep 28, 2026 was 10.96 ILA. Our model-based fair value is 18.79 ILA, about +71% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Isracard Ltd right now?
The large discount to fair value meets weak quality (34/100). That raises the risk this is a value trap rather than a bargain. The model range is unusually wide (9.56 ILA to 31.35 ILA). The outcome hinges heavily on assumptions, so read the point estimate with caution. 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 3.6B ILA. 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 1.11 (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 −0.2800 ILA. 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 −0.9% (fiscal year 2025). 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 −0.1% (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 7.1% (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 −1.3% 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 net debt does Isracard Ltd (ISCD) carry?
The net debt of Isracard Ltd is 3.8B ILA (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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