ISCDF (Isracard) Debt-to-Revenue : 1.31 (As of Mar. 2026)

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.

ISCDF Isracard Ltd ISCDF
72 GF Score
Price $4.40
GF Value $5.06
! 6 Warning Signs
View Full Analysis

What is Isracard Debt-to-Revenue?

Isracard ISCDF 72 Debt-to-Revenue is 1.31 as of Mar. 2026. GuruFocus rates ISCDF with a GF Score™ of 72/100 and a GF Value™ of $5.06. The stock has 6 warning signs investors should review.

Debt-to-Revenue measures a company's ability to pay off its debt.

Isracard's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2026 was $0 Mil. Isracard's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2026 was $1,452 Mil. Isracard's annualized Revenue for the quarter that ended in Mar. 2026 was $1,111 Mil. Isracard's annualized Debt-to-Revenue for the quarter that ended in Mar. 2026 was 1.31.

Isracard Debt-to-Revenue Historical Data

* Premium members only.

The historical data trend for Isracard's Debt-to-Revenue 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.

Isracard Debt-to-Revenue Chart

Isracard Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Revenue
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.62 0.40 0.67 0.72 1.14

Isracard Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Debt-to-Revenue 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 0.79 1.10 0.91 0.95 1.31

ISCDF vs V, MA, AXP: Debt-to-Revenue Comparison

For the Credit Services subindustry, Isracard's Debt-to-Revenue, along with its competitors' market caps and Debt-to-Revenue 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 Debt-to-Revenue vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Isracard's Debt-to-Revenue distribution charts can be found below:

* The bar in red indicates where Isracard's Debt-to-Revenue falls into.


ISCDF
72GF Score
Isracard Ltd ISCDF
Debt-to-Revenue is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Isracard Debt-to-Revenue Calculation

Debt-to-Revenue measures a company's ability to pay off its debt.

Isracard's Debt-to-Revenue for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-Revenue=Total Debt / Revenue
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Revenue
=(0 + 1397.508) / 1225.33
=1.14

Isracard's annualized Debt-to-Revenue for the quarter that ended in Mar. 2026 is calculated as

Debt-to-Revenue=Total Debt / Revenue
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Revenue
=(0 + 1452.157) / 1111.424
=1.31

* 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.

In the calculation of annual Debt-to-Revenue, the Revenue of the last fiscal year is used. In calculating the annualized quarterly data, the Revenue data used here is four times the quarterly (Mar. 2026) Revenue data.

Frequently Asked Questions Learn more about Debt-to-Revenue →
What does a Debt-to-Revenue of 1.31 mean?
Isracard (ISCDF) has a Debt-to-Revenue of 1.31 as of Mar. 2026.
Is Isracard's Debt-to-Revenue too high?
Isracard's current Debt-to-Revenue is 1.31. Overall, Isracard has a GF Score™ of 72/100, reflecting its overall financial health beyond just this single metric.
How does Isracard's Debt-to-Revenue compare to V and MA?
Isracard's Debt-to-Revenue of 1.31 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 Debt-to-Revenue for a Credit Services company?
A good Debt-to-Revenue depends on the Credit Services industry context. However, Debt-to-Revenue 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 Debt-to-Revenue mean?
A high Debt-to-Revenue can signal that a stock is expensive relative to its fundamentals. Isracard's current Debt-to-Revenue is 1.31. 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 Debt-to-Revenue of 1.31. The stock's GF Value™ is $5.06, compared to a current price of $4.40 — trading 13% below its estimated fair value. The current Debt-to-Revenue is 1.31. Isracard's overall GF Score™ is 72/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Revenue calculated?
Debt-to-Revenue is calculated from a company's financial statements. For Isracard (ISCDF), the current Debt-to-Revenue is 1.31 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% below its estimated GF Value™ of $5.06.

Key valuation signals for ISCDF:

  • Debt-to-Revenue: 1.31
  • GF Value™: $5.06 vs. price of $4.40 (13% below fair value)
  • GF Score™: 72/100 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

Other Exchanges ISCD:Israel
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.
72GF Score

Get the complete analysis for ISCDF

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

$4.40
Price
$5.06
GF Value