Stock ISCD ISRACARD LTD.
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Financials Isracard Ltd.

Equities

ISCD

IL0011574030

Consumer Lending

Market Closed - TEL AVIV STOCK EXCHANGE
Other stock markets
 10:24:05 2024-05-01 EDT 		5-day change 1st Jan Change
1,353 ILa -1.53% Intraday chart for Isracard Ltd. -7.46% +2.50%
03-20 Isracard Ltd. Reports Earnings Results for the Full Year Ended December 31, 2023 CI
01-30 Harel Insurance Company Ltd. cancelled the acquisition of Isracard Ltd.. CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023
Capitalization 1 2,582 2,170 3,070 2,044 2,643
Enterprise Value (EV) 1 8,566 7,262 -116 1,258 3,935
P/E ratio 10.6 x 23.3 x 8.95 x 13.2 x 10.5 x
Yield - - 4.81% 2.65% 3.34%
Capitalization / Revenue 1.23 x 1.19 x 1.37 x 0.79 x 0.94 x
EV / Revenue 4.07 x 3.98 x -0.05 x 0.48 x 1.4 x
EV / EBITDA - - - - -
EV / FCF - - - - -
FCF Yield - - - - -
Price to Book 1.06 x 0.89 x 1.11 x 0.73 x 0.88 x
Nbr of stocks (in thousands) 200,000 200,000 200,000 200,000 200,243
Reference price 2 12.91 10.85 15.35 10.22 13.20
Announcement Date 20-03-03 21-03-17 22-03-19 23-03-13 24-03-20
1ILS in Million2ILS
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 1,793 2,105 1,826 2,238 2,602 2,802
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 359 331 143 490 238 337
Net income 1 264 244 93 343 155 252
Net margin 14.72% 11.59% 5.09% 15.33% 5.96% 8.99%
EPS 2 359.1 1.220 0.4650 1.715 0.7750 1.260
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share - - - 0.7390 0.2707 0.4402
Announcement Date 19-03-10 20-03-03 21-03-17 22-03-19 23-03-13 24-03-20
1ILS in Million2ILS
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 2,759 5,984 5,092 - - 1,292
Net Cash position 1 - - - 3,186 786 -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 9.28% 8.29% 3.82% 13.1% 5.55% 8.7%
ROA (Net income/ Total Assets) 1.41% 1.04% 0.38% 1.48% 0.69% 1.12%
Assets 1 18,743 23,356 24,320 23,177 22,562 22,510
Book Value Per Share 2 4,063 12.10 12.20 13.90 14.00 15.00
Cash Flow per Share 2 110.0 1.000 0.5900 23.10 9.220 4.460
Capex 1 123 146 170 180 172 161
Capex / Sales 6.86% 6.94% 9.31% 8.04% 6.61% 5.75%
Announcement Date 19-03-10 20-03-03 21-03-17 22-03-19 23-03-13 24-03-20
1ILS in Million2ILS
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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Other Consumer Lending
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