IsracardISCDF 77 Cash-to-Debt is 0.10 as of Mar. 2026, which is 11% above its 10-year median of 0.09. GuruFocus rates ISCDF with a GF Score™ of 77/100 and a GF Value™ of $4.56. The stock has 6 warning signs investors should review. Among 511 Credit Services companies, Isracard ranks worse than 61.84% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Isracard's cash to debt ratio for the quarter that ended in Mar. 2026 was 0.10.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Isracardcouldn't pay off its debt using the cash in hand for the quarter that ended in Mar. 2026.
The historical rank and industry rank for Isracard's Cash-to-Debt or its related term are showing as below:
ISCDF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.02 Med: 0.09 Max: 5.16
Current: 0.1
During the past 13 years, Isracard's highest Cash to Debt Ratio was 5.16. The lowest was 0.02. And the median was 0.09.
ISCDF's Cash-to-Debt is ranked worse than 61.84% of 511
companies
in the Credit Services industry
Industry Median: 0.19
vs ISCDF: 0.10
Isracard (OTCPK:ISCDF) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Isracard Cash-to-Debt Related Terms
Isracard Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Isracard's Cash-to-Debt 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.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Credit Services subindustry, Isracard's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Isracard's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Isracard's Cash-to-Debt 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.
Isracard (ISCDF) has a Cash-to-Debt of 0.10 as of Mar. 2026. This is 11% above median its historical median of 0.09. Over the past decade, Isracard's Cash-to-Debt has ranged from 0.02 to 5.16. According to the industry distribution chart, Isracard ranks #316 out of 511 companies in the Credit Services industry, placing it in the top 61.8%.
Is Isracard's Cash-to-Debt too high?
Isracard's current Cash-to-Debt of 0.10 is 11% above median its 10-year median of 0.09. Over the past 10 years, this metric has ranged from a low of 0.02 to a high of 5.16. The Credit Services industry median Cash-to-Debt is 0.19. Isracard's value of 0.10 is 47.4% below this industry median. Based on the distribution chart, Isracard ranks #316 out of 511 companies in the Credit Services industry, which is below the industry midpoint. Overall, Isracard has a GF Score™ of 77/100, reflecting its overall financial health beyond just this single metric.
How does Isracard's Cash-to-Debt compare to V and MA?
According to the Credit Services industry distribution chart, Isracard ranks #316 out of 511 companies for Cash-to-Debt. This places Isracard in the lower half of its industry. The industry median Cash-to-Debt is 0.19. Isracard's value of 0.10 is 47.4% below this benchmark. Historically, Isracard's own Cash-to-Debt has ranged from 0.02 to 5.16 over the past decade. While the company's 10-year median is 0.09 vs. the industry median of 0.19, Isracard has consistently been below 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 Cash-to-Debt for a Credit Services company?
The median Cash-to-Debt among Credit Services companies is 0.19, based on 511 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Isracard's current Cash-to-Debt of 0.10 is 47.4% below 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 Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median Cash-to-Debt is 0.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Isracard's current Cash-to-Debt is 0.10, which is 11% above median its own 10-year median of 0.09. 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 Cash-to-Debt of 0.10. The stock's GF Value™ is $4.56, compared to a current price of $4.40 — trading 3.5% below its estimated fair value. The current Cash-to-Debt is 0.10, which is 11% above median its 10-year median of 0.09 and 47.4% below the Credit Services industry median of 0.19. Isracard's overall GF Score™ is 77/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Isracard (ISCDF), the current Cash-to-Debt is 0.10 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 3.5% below its estimated GF Value™ of $4.56.
Key valuation signals for ISCDF:
Cash-to-Debt: 0.10 (11% above median its 10-year median of 0.09)
GF Value™: $4.56 vs. price of $4.40 (3.5% below fair value)
Industry Position: 47.4% below the Credit Services median (#316 of 511)
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.
77GF Score
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