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IsracardISCDF 76 Capex-to-Operating-Income is 0.34 as of Mar. 2026, which is 55% above its 10-year median of 0.22. GuruFocus rates ISCDF with a GF Score™ of 76/100 and a GF Value™ of $5.09. The stock has 6 warning signs investors should review. Among 116 Credit Services companies, Isracard ranks worse than 85.34% on this metric.
Capex-to-Operating-Income measures a company's investments in physical assets such as property, industrial buildings or equipment to its operating income.
Capex-to-Operating-Income assesses how much emphasis a company is placing upon investing in capital-intensive projects. The ratio is generally a good gauge to quantify how much focus on growth a company has. Typically, smaller companies that are still growing and expanding will have a higher Capex to Operating Income Ratio, since such businesses are likely investing more in physical assets. Lower ratios could indicate that a company has reached maturity and it is no longer pursuing aggressive growth.
Isracard Capex-to-Operating-Income Related Terms
Isracard Capex-to-Operating-Income Historical Data
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The historical data trend for Isracard's Capex-to-Operating-Income can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
ISCDF vs V, MA, AXP: Capex-to-Operating-Income Comparison
For the Credit Services subindustry, Isracard's Capex-to-Operating-Income, along with its competitors' market caps and Capex-to-Operating-Income data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Isracard Capex-to-Operating-Income vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Isracard's Capex-to-Operating-Income distribution charts can be found below:
* The bar in red indicates where Isracard's Capex-to-Operating-Income falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
What does a Capex-to-Operating-Income of 0.34 mean?
Isracard (ISCDF) has a Capex-to-Operating-Income of 0.34 as of Mar. 2026. Capex to Operating Income ratio measures a company's investments in physical assets to its operating income. View historical data on Isracard and its competitors. This is 55% above median its historical median of 0.22. Over the past decade, Isracard's Capex-to-Operating-Income has ranged from 0.10 to 0.47. According to the industry distribution chart, Isracard ranks #99 out of 116 companies in the Credit Services industry, placing it in the top 85.3%.
Is Isracard's Capex-to-Operating-Income too high?
Isracard's current Capex-to-Operating-Income of 0.34 is 55% above median its 10-year median of 0.22. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 0.47. The Credit Services industry median Capex-to-Operating-Income is 0.10. Isracard's value of 0.34 is 257.9% above this industry median. Based on the distribution chart, Isracard ranks #99 out of 116 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Isracard has a GF Score™ of 76/100, reflecting its overall financial health beyond just this single metric.
How does Isracard's Capex-to-Operating-Income compare to V and MA?
According to the Credit Services industry distribution chart, Isracard ranks #99 out of 116 companies for Capex-to-Operating-Income. This places Isracard in the lower half of its industry. The industry median Capex-to-Operating-Income is 0.10. Isracard's value of 0.34 is 257.9% above this benchmark. Historically, Isracard's own Capex-to-Operating-Income has ranged from 0.10 to 0.47 over the past decade. While the company's 10-year median is 0.22 vs. the industry median of 0.10, Isracard has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Capex-to-Operating-Income for a Credit Services company?
The median Capex-to-Operating-Income among Credit Services companies is 0.10, based on 116 companies in the industry. Companies in the top quartile (top 25%) have a Capex-to-Operating-Income significantly above this median, while those in the bottom quartile fall well below. However, Capex-to-Operating-Income should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Isracard's current Capex-to-Operating-Income of 0.34 is 257.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Capex-to-Operating-Income mean?
A high Capex-to-Operating-Income can signal that a stock is expensive relative to its fundamentals. Capex to Operating Income ratio measures a company's investments in physical assets to its operating income. View historical data on Isracard and its competitors. For the Credit Services industry, the median Capex-to-Operating-Income is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Isracard's current Capex-to-Operating-Income is 0.34, which is 55% above median its own 10-year median of 0.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Isracard stock overvalued right now?
Isracard (ISCDF) has a current Capex-to-Operating-Income of 0.34. The stock's GF Value™ is $5.09, compared to a current price of $4.40 — trading 13.6% below its estimated fair value. The current Capex-to-Operating-Income is 0.34, which is 55% above median its 10-year median of 0.22 and 257.9% above the Credit Services industry median of 0.10. Isracard's overall GF Score™ is 76/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Capex-to-Operating-Income calculated?
Capex-to-Operating-Income is calculated from a company's financial statements. For Isracard (ISCDF), the current Capex-to-Operating-Income is 0.34 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Isracard (ISCDF) Overvalued in 2026?
Based on GuruFocus' analysis, Isracard stock appears to be undervalued.
The current stock price of $4.40 is trading 13.6% below its estimated GF Value™ of $5.09.
Key valuation signals for ISCDF:
Capex-to-Operating-Income: 0.34 (55% above median its 10-year median of 0.22)
GF Value™: $5.09 vs. price of $4.40 (13.6% below fair value)
Industry Position: 257.9% above the Credit Services median (#99 of 116)
No single metric tells the full story. See the ISCDF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Isracard Ltd is a credit-card company. Its operating segments are the issuance of credit cards, acquiring credit cards and financing. It provides full discounting and clearing services for the credit card brands namely Isracard, MasterCard, American Express and Visa. The company's products and services are gift cards, business cards, student loans, loan for the purchase of a vehicle and other related services.
76GF Score
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