IsracardISCDF 77 EV-to-EBITDA is 10.37 as of Jul. 07, 2026, which is 103% above its 10-year median of 5.10. 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. Among 324 Credit Services companies, Isracard ranks better than 75.31% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, Isracard's enterprise value is $2,584 Mil.
Isracard's EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 was $249 Mil. Therefore, Isracard's EV-to-EBITDA for today is 10.37.
The historical rank and industry rank for Isracard's EV-to-EBITDA or its related term are showing as below:
ISCDF'
s EV-to-EBITDA Range Over the Past 10 Years
Min: -2.03 Med: 5.1 Max: 14.39
Current: 10.55
During the past 13 years, the highest EV-to-EBITDA of Isracard was 14.39. The lowest was -2.03. And the median was 5.10.
ISCDF's EV-to-EBITDA is ranked better than 75.31% of 324
companies
in the Credit Services industry
Industry Median: 22.225
vs ISCDF: 10.55
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
The "classic" EV-to-EBITDA is much better in capturing debt and net cash than the PE Ratio (TTM).
Isracard (OTCPK:ISCDF) EV-to-EBITDA Explanation
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Isracard's share price for today is $4.40.
Isracard's Earnings per Share (Diluted) 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 $-0.092.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
The historical data trend for Isracard's EV-to-EBITDA 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.
For the Credit Services subindustry, Isracard's EV-to-EBITDA, along with its competitors' market caps and EV-to-EBITDA 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 EV-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Isracard's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Isracard's EV-to-EBITDA falls into.
Isracard's current Enterprise Value is $2,584 Mil.
Isracard's EBITDA 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 $249 Mil.
* 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 (ISCDF) has a EV-to-EBITDA of 10.37 as of Jul. 07, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Isracard. This is 103% above median its historical median of 5.10. According to the industry distribution chart, Isracard ranks #80 out of 324 companies in the Credit Services industry, placing it in the top 24.7%.
Is Isracard's EV-to-EBITDA too high?
Isracard's current EV-to-EBITDA of 10.37 is 103% above median its 10-year median of 5.10. The Credit Services industry median EV-to-EBITDA is 22.23. Isracard's value of 10.37 is 53.3% below this industry median. Based on the distribution chart, Isracard ranks #80 out of 324 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Isracard has a GF Score™ of 77/100, reflecting its overall financial health beyond just this single metric.
How does Isracard's EV-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Isracard ranks #80 out of 324 companies for EV-to-EBITDA. This places Isracard in the top 25% of its industry — outperforming the majority of peers. The industry median EV-to-EBITDA is 22.23. Isracard's value of 10.37 is 53.3% below this benchmark. While the company's 10-year median is 5.10 vs. the industry median of 22.23, Isracard has consistently been below 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 EV-to-EBITDA for a Credit Services company?
The median EV-to-EBITDA among Credit Services companies is 22.23, based on 324 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Isracard's current EV-to-EBITDA of 10.37 is 53.3% below 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 EV-to-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Isracard. For the Credit Services industry, the median EV-to-EBITDA is 22.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Isracard's current EV-to-EBITDA is 10.37, which is 103% above median its own 10-year median of 5.10. 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 EV-to-EBITDA of 10.37. 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 EV-to-EBITDA is 10.37, which is 103% above median its 10-year median of 5.10 and 53.3% below the Credit Services industry median of 22.23. 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 EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For Isracard (ISCDF), the current EV-to-EBITDA is 10.37 as of Jul. 07, 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:
EV-to-EBITDA: 10.37 (103% above median its 10-year median of 5.10)
GF Value™: $4.56 vs. price of $4.40 (3.5% below fair value)
Industry Position: 53.3% below the Credit Services median (#80 of 324)
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 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
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EV-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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