Isracard Ltd (ISCD) - Net Assets
Based on the latest financial reports, Isracard Ltd (ISCD) has net assets worth ILA3.13 Billion ILA (≈ $8.40 Million USD) as of September 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (ILA28.48 Billion ≈ $76.37 Million USD) and total liabilities (ILA25.35 Billion ≈ $67.97 Million USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check Isracard Ltd tangible book value ratio to evaluate the tangible quality of the company's equity base.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | ILA3.13 Billion |
| % of Total Assets | 11.0% |
| Annual Growth Rate | 2.89% |
| 5-Year Change | 29.76% |
| 10-Year Change | N/A |
| Growth Volatility | 8.86 |
Isracard Ltd - Net Assets Trend (2015–2024)
This chart illustrates how Isracard Ltd's net assets have evolved over time, based on quarterly financial data. See Isracard Ltd (ISCD) defensive interval to measure how many days the company can operate on defensive assets alone.
Annual Net Assets for Isracard Ltd (2015–2024)
The table below shows the annual net assets of Isracard Ltd from 2015 to 2024. For live valuation and market cap data, see how much is Isracard Ltd worth.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | ILA3.17 Billion ≈ $8.51 Million |
+5.45% |
| 2023-12-31 | ILA3.01 Billion ≈ $8.07 Million |
+7.27% |
| 2022-12-31 | ILA2.81 Billion ≈ $7.52 Million |
+1.04% |
| 2021-12-31 | ILA2.78 Billion ≈ $7.45 Million |
+13.53% |
| 2020-12-31 | ILA2.45 Billion ≈ $6.56 Million |
+0.78% |
| 2019-12-31 | ILA2.43 Billion ≈ $6.51 Million |
-18.75% |
| 2018-12-31 | ILA2.99 Billion ≈ $8.01 Million |
+10.59% |
| 2017-12-31 | ILA2.70 Billion ≈ $7.24 Million |
+1.35% |
| 2016-12-31 | ILA2.67 Billion ≈ $7.14 Million |
+8.51% |
| 2015-12-31 | ILA2.46 Billion ≈ $6.58 Million |
-- |
Equity Component Analysis
This analysis shows how different components contribute to Isracard Ltd's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 27.8% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | ILA3.06 Billion | 96.25% |
| Other Components | ILA119.00 Million | 3.75% |
| Total Equity | ILA3.17 Billion | 100.00% |
Isracard Ltd Competitors by Market Cap
The table below lists competitors of Isracard Ltd ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Beijing Hotgen Biotech Co Ltd
SHG:688068
|
$1.06 Billion |
|
China Union Holdings Ltd
SHE:000036
|
$1.06 Billion |
|
Wah Lee Industrial Corp
TW:3010
|
$1.06 Billion |
|
LIVZON PHARMAC. GRP H YC1
F:LP6
|
$1.06 Billion |
|
Tibet GaoZheng Explosive Co Ltd
SHE:002827
|
$1.06 Billion |
|
Empresas Lipigas S.A.
SN:LIPIGAS
|
$1.06 Billion |
|
Jutze Intelligent Technology Co Ltd
SHE:300802
|
$1.06 Billion |
|
VNDIRECT Securities Corp
VN:VND
|
$1.06 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Isracard Ltd's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 2,997,000,000 to 3,174,000,000, a change of 177,000,000 (5.9%).
- Net income of 264,000,000 contributed positively to equity growth.
- Dividend payments of 99,000,000 reduced retained earnings.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | ILA264.00 Million | +8.32% |
| Dividends Paid | ILA99.00 Million | -3.12% |
| Other Changes | ILA12.00 Million | +0.38% |
| Total Change | ILA- | 5.91% |
Book Value vs Market Value Analysis
This analysis compares Isracard Ltd's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 77.10x
- The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
- The price-to-book ratio has decreased from 89.74x to 77.10x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2017-12-31 | ILA13.51 | ILA1212.00 | x |
| 2018-12-31 | ILA14.94 | ILA1212.00 | x |
| 2019-12-31 | ILA12.14 | ILA1212.00 | x |
| 2020-12-31 | ILA12.23 | ILA1212.00 | x |
| 2021-12-31 | ILA13.89 | ILA1212.00 | x |
| 2022-12-31 | ILA13.95 | ILA1212.00 | x |
| 2023-12-31 | ILA14.96 | ILA1212.00 | x |
| 2024-12-31 | ILA15.72 | ILA1212.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Isracard Ltd utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 8.32%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 7.76%
- • Asset Turnover: 0.13x
- • Equity Multiplier: 8.06x
- Recent ROE (8.32%) is below the historical average (8.55%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2015 | 10.22% | 16.31% | 0.10x | 6.47x | ILA5.40 Million |
| 2016 | 8.59% | 13.79% | 0.10x | 6.40x | ILA-37.50 Million |
| 2017 | 9.33% | 14.32% | 0.10x | 6.63x | ILA-18.10 Million |
| 2018 | 8.84% | 13.92% | 0.10x | 6.56x | ILA-34.70 Million |
| 2019 | 10.05% | 10.66% | 0.09x | 10.19x | ILA1.30 Million |
| 2020 | 3.80% | 4.44% | 0.09x | 9.78x | ILA-151.60 Million |
| 2021 | 12.35% | 14.87% | 0.10x | 8.08x | ILA65.30 Million |
| 2022 | 5.55% | 5.78% | 0.12x | 8.12x | ILA-124.40 Million |
| 2023 | 8.41% | 7.74% | 0.14x | 7.51x | ILA-47.70 Million |
| 2024 | 8.32% | 7.76% | 0.13x | 8.06x | ILA-53.40 Million |
Industry Comparison
This section compares Isracard Ltd's net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $178,374,000
- Average return on equity (ROE) among peers: 12.98%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Isracard Ltd (ISCD) | ILA3.13 Billion | 10.22% | 8.09x | $1.06 Billion |
| Blender Financial Technologies Ltd (BLND) | $54.62 Million | -7.77% | 3.04x | $25.66 Million |
| Direct Finance TA (DIFI) | $289.91 Million | 0.71% | 7.44x | $475.96 Million |
| Jacob Finance And Investments Ltd (JCFN) | $32.51 Million | 74.84% | 42.00x | $184.68 Million |
| Michlol Finance Ltd (MCLL) | $258.38 Million | 15.88% | 5.24x | $175.47 Million |
| Michman Basad Ltd (MCMN) | $13.18 Million | -15.53% | 7.14x | $159.67 Million |
| MLRN Projects and Trade Ltd (MLRN) | $291.79 Million | 12.69% | 2.10x | $104.36 Million |
| Menif Financial Services Ltd (MNIF) | $562.93 Million | 26.98% | 4.72x | $382.24 Million |
| Nawi Brothers Group Ltd (NAWI) | $7.81 Million | 0.00% | 1.67x | $429.45 Million |
| Peninsula Group Ltd (PEN) | $94.23 Million | 9.04% | 3.55x | $192.46 Million |
About Isracard Ltd
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 provides credit and finance services; and issuance of debit and settlement cards; as well discounting and settlement services for t… Read more