Isracard (XTAE:ISCD) Debt-to-EBITDA

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

XTAE:ISCD Isracard Ltd XTAE:ISCD
80 GF Score
Price ₪11.05
GF Value ₪9.89
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Isracard Debt-to-EBITDA?

Debt-to-EBITDA does not apply to banks.

XTAE:ISCD
80GF Score
Isracard Ltd XTAE:ISCD
Debt-to-EBITDA is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Isracard (XTAE:ISCD) Overvalued in 2026?

Based on GuruFocus' analysis, Isracard stock appears to be overvalued. The current stock price of ₪11.05 is trading 11.7% above its estimated GF Value™ of ₪9.89. GuruFocus considers Isracard to be Modestly Overvalued.

Key valuation signals for XTAE:ISCD:

  • Debt-to-EBITDA:
  • GF Value™: ₪9.89 vs. price of ₪11.05 (11.7% above fair value)
  • GF Score™: 80/100 with 7 warning signs

No single metric tells the full story. See the XTAE:ISCD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Isracard Business Description

Other Exchanges ISCDF:USA
Address Hamasger Street 40, Tel Aviv, ISR
Isracard Ltd is an Israeli financial services company focused on credit cards and consumer finance. It operates through three main segments: card issuance, merchant acquiring, and financing. The company issues and manages credit cards under brands including Isracard, Mastercard, American Express, and Visa, serving both individual consumers and businesses. Its acquiring business provides clearing and settlement services to merchants that accept card payments. Isracard also offers consumer credit products such as loans, installment plans, and revolving credit tied to its cards. Customers include retail consumers, small and medium-sized businesses, and large merchants across Israel. Revenue is generated primarily from interest and financing income on card balances and loans, interchange and merchant discount fees from acquiring, and annual card fees. Isracard is one of Israel's largest card issuers and payment processors, operating mainly in the domestic market.
80GF Score

Get the complete analysis for XTAE:ISCD

Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₪11.05
Price
₪9.89
GF Value