ISCDF (Isracard) Change In Receivables: $131 Mil (TTM As of Mar. 2026)

What is Isracard Change In Receivables?

Isracard ISCDF 77 Change In Receivables is $131 Mil as of Mar. 2026. 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.

Isracard's change in receivables for the quarter that ended in Mar. 2026 was $321 Mil. It means Isracard's Accounts Receivable declined by $321 Mil from Dec. 2025 to Mar. 2026 .

Isracard's change in receivables for the fiscal year that ended in Dec. 2025 was $-219 Mil. It means Isracard's Accounts Receivable increased by $219 Mil from Dec. 2024 to Dec. 2025 .

Isracard's Accounts Receivable for the quarter that ended in Mar. 2026 was $8,415 Mil.

Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's Accounts Receivable are being managed. Isracard's Days Sales Outstanding for the three months ended in Mar. 2026 was 2,727.12.

In Ben Graham's calculation of liquidation value, Apple Inc's Accounts Receivable are only considered to be worth 75% of book value. Isracard's liquidation value for the three months ended in Mar. 2026 was $-1,674 Mil.

Isracard (OTCPK:ISCDF) Change In Receivables Explanation

1. Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's Accounts Receivable are being managed.

Isracard's Days Sales Outstanding for the quarter that ended in Mar. 2026 is calculated as:

	Days Sales Outstanding
=	Accounts Receivable	/	Revenue	*	Days in Period
=	8415.015	/	281.568	*	91
=	2,727.12

2. In Ben Graham's calculation of liquidation value, Isracard's accounts receivable are only considered to be worth 75% of book value:

Isracard's liquidation value for the quarter that ended in Mar. 2026 is calculated as:

	Liquidation Value
=	Cash, Cash Equivalents, Marketable Securities	-	Total Liabilities	+	(0.75 * Accounts Receivable)	+	(0.5 * Total Inventories)
=	143.119	-	8128.777	+	0.75 * 8415.015	+	0.5 * 0
=	-1,674

* 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 Change In Receivables Related Terms

Isracard Change In Receivables Historical Data

* Premium members only.

The historical data trend for Isracard's Change In Receivables can be seen below:

Isracard Change In Receivables Chart

Isracard Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

Change In Receivables

Get a 7-Day Free Trial

2,101.42

-211.84

242.87

-681.24

-218.85

Isracard Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
Change In Receivables	Get a 7-Day Free Trial															-29.36	307.92	-832.36	334.95	320.60

77GF Score

Isracard Ltd ISCDF

Change In Receivables is just one metric. See GF Score™, valuation, warning signs, and more.

View Full Analysis

Isracard Change In Receivables Calculation

Change In Accounts Receivable relative to the previous period. It is any increase or decrease in the cash a company is owed by its customers.

Change In Receivables for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $131 Mil.

Frequently Asked Questions Learn more about Change In Receivables →

What does a Change In Receivables of $131 Mil mean?

Isracard (ISCDF) has a Change In Receivables of $131 Mil as of Mar. 2026. Change in Receivables is the difference between current-period receivables and past-period receivables. View historical data for Isracard and its competitors.

Is Isracard's Change In Receivables too high?

Isracard's current Change In Receivables is $131 Mil. Overall, Isracard has a GF Score™ of 77/100, reflecting its overall financial health beyond just this single metric.

How does Isracard's Change In Receivables compare to V and MA?

Isracard's Change In Receivables of $131 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good Change In Receivables for a Credit Services company?

A good Change In Receivables depends on the Credit Services industry context. However, Change In Receivables should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high Change In Receivables mean?

A high Change In Receivables can signal that a stock is expensive relative to its fundamentals. Change in Receivables is the difference between current-period receivables and past-period receivables. View historical data for Isracard and its competitors. Isracard's current Change In Receivables is $131 Mil. 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 Change In Receivables of $131 Mil. 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 Change In Receivables is $131 Mil. 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 Change In Receivables calculated?

Change In Receivables is calculated from a company's financial statements. For Isracard (ISCDF), the current Change In Receivables is $131 Mil 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:

Change In Receivables: $131 Mil
GF Value™: $4.56 vs. price of $4.40 (3.5% below fair value)
GF Score™: 77/100 with 6 warning signs

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 Business Description

Industry Financial Services Credit Services

Comparable Companies XTAE:DIFI XTAE:NAWI XTAE:MNIF XTAE:SRAC XTAE:PEN XTAE:JCFN XTAE:MCLL XTAE:BLEG XTAE:MLRN XTAE:SHOM V MA AXP COF BOM:500034 PYPL AFRM SYF NSE:SHRIRAMFIN SOFI

Other Exchanges ISCD:Israel

Address Hamasger Street 40, Tel Aviv, ISR

Website https://www.isracard.co.il

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

Get the complete analysis for ISCDF

Change In Receivables is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$4.40

Price

$4.56

GF Value

View ISCDF Analysis

See Change In Receivables data for all stocks →