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Isracard (XTAE:ISCD) Cyclically Adjusted PB Ratio : 1.03 (As of Jun. 03, 2025)


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What is Isracard Cyclically Adjusted PB Ratio?

As of today (2025-06-03), Isracard's current share price is ₪16.59. Isracard's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2025 was ₪16.06. Isracard's Cyclically Adjusted PB Ratio for today is 1.03.

The historical rank and industry rank for Isracard's Cyclically Adjusted PB Ratio or its related term are showing as below:

XTAE:ISCD' s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 0.81   Med: 0.91   Max: 1.1
Current: 1.03

During the past years, Isracard's highest Cyclically Adjusted PB Ratio was 1.10. The lowest was 0.81. And the median was 0.91.

XTAE:ISCD's Cyclically Adjusted PB Ratio is ranked worse than
50.78% of 321 companies
in the Credit Services industry
Industry Median: 1.02 vs XTAE:ISCD: 1.03

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Isracard's adjusted book value per share data for the three months ended in Mar. 2025 was ₪15.465. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is ₪16.06 for the trailing ten years ended in Mar. 2025.

Shiller PE for Stocks: The True Measure of Stock Valuation


Isracard Cyclically Adjusted PB Ratio Historical Data

The historical data trend for Isracard's Cyclically Adjusted PB Ratio 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.

* Premium members only.

Isracard Cyclically Adjusted PB Ratio Chart

Isracard Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only - - - - 1.02

Isracard Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Cyclically Adjusted PB Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.95 0.80 0.87 1.02 1.03

Competitive Comparison of Isracard's Cyclically Adjusted PB Ratio

For the Credit Services subindustry, Isracard's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio 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's Cyclically Adjusted PB Ratio Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, Isracard's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Isracard's Cyclically Adjusted PB Ratio falls into.


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Isracard Cyclically Adjusted PB Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.

Isracard's Cyclically Adjusted PB Ratio for today is calculated as

Cyclically Adjusted PB Ratio=Share Price/ Cyclically Adjusted Book per Share
=16.59/16.06
=1.03

* 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's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2025 is calculated as:

For example, Isracard's adjusted Book Value per Share data for the three months ended in Mar. 2025 was:

Adj_Book=Book Value per Share/CPI of Mar. 2025 (Change)*Current CPI (Mar. 2025)
=15.465/134.9266*134.9266
=15.465

Current CPI (Mar. 2025) = 134.9266.

Isracard Quarterly Data

Book Value per Share CPI Adj_Book
201506 0.000 100.684 0.000
201509 0.000 100.392 0.000
201512 12.280 99.792 16.603
201603 12.570 100.470 16.881
201606 12.835 101.688 17.030
201609 13.065 101.861 17.306
201612 13.325 101.863 17.650
201703 12.515 102.862 16.416
201706 12.995 103.349 16.966
201709 13.390 104.136 17.349
201712 13.505 104.011 17.519
201803 13.865 105.290 17.768
201806 14.330 106.317 18.186
201809 14.715 106.507 18.642
201812 17.285 105.998 22.002
201903 11.020 107.251 13.864
201906 11.470 108.070 14.320
201909 11.845 108.329 14.753
201912 12.135 108.420 15.102
202003 11.865 108.902 14.700
202006 12.105 108.767 15.016
202009 12.425 109.815 15.266
202012 12.230 109.897 15.015
202103 12.655 111.754 15.279
202106 13.240 114.631 15.584
202109 13.620 115.734 15.879
202112 13.885 117.630 15.927
202203 13.574 121.301 15.099
202206 13.753 125.017 14.843
202209 13.948 125.227 15.028
202212 13.953 125.222 15.034
202303 14.128 127.348 14.969
202306 14.440 128.729 15.135
202309 14.675 129.860 15.248
202312 14.960 129.419 15.597
202403 15.072 131.776 15.432
202406 15.456 132.554 15.733
202409 15.562 133.029 15.784
202412 15.721 133.157 15.930
202503 15.465 134.927 15.465

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


Isracard  (XTAE:ISCD) Cyclically Adjusted PB Ratio Explanation

Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.


Isracard Cyclically Adjusted PB Ratio Related Terms

Thank you for viewing the detailed overview of Isracard's Cyclically Adjusted PB Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


Isracard Business Description

Traded in Other Exchanges
N/A
Address
Hamasger Street 40, Tel Aviv, ISR
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.

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