IsracardXTAE:ISCD -0.09%76 EBITDA Margin % is 27.73% as of Mar. 2026, which is 13% below its 10-year median of 31.96. GuruFocus rates XTAE:ISCD with a GF Score™ of 76/100 and a GF Value™ of ₪12.40 (Fairly Valued). The stock has 6 warning signs investors should review. Among 413 Credit Services companies, Isracard ranks worse than 52.54% on this metric.
EBITDA Margin % is calculated as EBITDA divided by its Revenue. Isracard's EBITDA for the
three
months ended in Mar. 2026 was ₪234 Mil. Isracard's Revenue for the
three
months ended in Mar. 2026 was ₪844 Mil. Therefore, Isracard's EBITDA margin for the quarter that ended in Mar. 2026 was 27.73%.
Isracard (XTAE:ISCD) EBITDA Margin % Explanation
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
Isracard EBITDA Margin % Related Terms
Isracard EBITDA Margin % Historical Data
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The historical data trend for Isracard's EBITDA Margin % 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.
XTAE:ISCD vs V, MA, AXP: EBITDA Margin % Comparison
For the Credit Services subindustry, Isracard's EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % 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 EBITDA Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Isracard's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where Isracard's EBITDA Margin % 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 (XTAE:ISCD) has a EBITDA Margin % of 27.73% as of Mar. 2026. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Isracard and its competitors. This is 13% below median its historical median of 31.96. Over the past decade, Isracard's EBITDA Margin % has ranged from 18.57 to 47.98. According to the industry distribution chart, Isracard ranks #217 out of 413 companies in the Credit Services industry, placing it in the top 52.5%.
Is Isracard's EBITDA Margin % too high?
Isracard's current EBITDA Margin % of 27.73% is 13% below median its 10-year median of 31.96. Over the past 10 years, this metric has ranged from a low of 18.57 to a high of 47.98. The Credit Services industry median EBITDA Margin % is 21.03. Isracard's value of 27.73% is 31.9% above this industry median. Based on the distribution chart, Isracard ranks #217 out of 413 companies in the Credit Services industry, which is below the industry midpoint. Overall, Isracard has a GF Score™ of 76/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Isracard's EBITDA Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Isracard ranks #217 out of 413 companies for EBITDA Margin %. This places Isracard in the lower half of its industry. The industry median EBITDA Margin % is 21.03. Isracard's value of 27.73% is 31.9% above this benchmark. Historically, Isracard's own EBITDA Margin % has ranged from 18.57 to 47.98 over the past decade. While the company's 10-year median is 31.96 vs. the industry median of 21.03, Isracard has consistently been above 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 EBITDA Margin % for a Credit Services company?
The median EBITDA Margin % among Credit Services companies is 21.03, based on 413 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Isracard's current EBITDA Margin % of 27.73% is 31.9% above 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 EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Isracard and its competitors. For the Credit Services industry, the median EBITDA Margin % is 21.03 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Isracard's current EBITDA Margin % is 27.73%, which is 13% below median its own 10-year median of 31.96. 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?
Based on GuruFocus' analysis, Isracard (XTAE:ISCD) is currently considered Fairly Valued. The stock's GF Value™ is ₪12.40, compared to a current price of ₪11.31 — trading 8.8% below its estimated fair value. The current EBITDA Margin % is 27.73%, which is 13% below median its 10-year median of 31.96 and 31.9% above the Credit Services industry median of 21.03. Isracard's overall GF Score™ is 76/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For Isracard (XTAE:ISCD), the current EBITDA Margin % is 27.73% 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 (XTAE:ISCD) Overvalued in 2026?
Based on GuruFocus' analysis, Isracard stock appears to be undervalued.
The current stock price of ₪11.31 is trading 8.8% below its estimated GF Value™ of ₪12.40.
GuruFocus considers Isracard to be Fairly Valued.
Key valuation signals for XTAE:ISCD:
EBITDA Margin %: 27.73% (13% below median its 10-year median of 31.96)
GF Value™: ₪12.40 vs. price of ₪11.31 (8.8% below fair value)
Industry Position: 31.9% above the Credit Services median (#217 of 413)
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 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.
76GF Score
Get the complete analysis for XTAE:ISCD
EBITDA Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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