IsracardISCDF 77 Equity-to-Asset is 0.12 as of Mar. 2026, which is at its 10-year median of 0.12. 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 543 Credit Services companies, Isracard ranks worse than 86.74% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Isracard's Total Stockholders Equity for the quarter that ended in Mar. 2026 was $1,086 Mil. Isracard's Total Assets for the quarter that ended in Mar. 2026 was $9,214 Mil.
Therefore, Isracard's Equity to Asset Ratio for the quarter that ended in Mar. 2026 was 0.12.
The historical rank and industry rank for Isracard's Equity-to-Asset or its related term are showing as below:
ISCDF'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.09 Med: 0.12 Max: 0.16
Current: 0.12
During the past 13 years, the highest Equity to Asset Ratio of Isracard was 0.16. The lowest was 0.09. And the median was 0.12.
ISCDF's Equity-to-Asset is ranked worse than 86.74% of 543
companies
in the Credit Services industry
Industry Median: 0.41
vs ISCDF: 0.12
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Isracard Equity-to-Asset Related Terms
Isracard Equity-to-Asset Historical Data
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The historical data trend for Isracard's Equity-to-Asset 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 Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Isracard's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Isracard's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Isracard's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.12 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Isracard and its competitors. This is near median its historical median of 0.12. Over the past decade, Isracard's Equity-to-Asset has ranged from 0.09 to 0.16. According to the industry distribution chart, Isracard ranks #471 out of 543 companies in the Credit Services industry, placing it in the top 86.7%.
Is Isracard's Equity-to-Asset too high?
Isracard's current Equity-to-Asset of 0.12 is near median its 10-year median of 0.12. Over the past 10 years, this metric has ranged from a low of 0.09 to a high of 0.16. The Credit Services industry median Equity-to-Asset is 0.41. Isracard's value of 0.12 is 70.7% below this industry median. Based on the distribution chart, Isracard ranks #471 out of 543 companies in the Credit Services industry, which is in the bottom quartile 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 Equity-to-Asset compare to V and MA?
According to the Credit Services industry distribution chart, Isracard ranks #471 out of 543 companies for Equity-to-Asset. This places Isracard in the lower half of its industry. The industry median Equity-to-Asset is 0.41. Isracard's value of 0.12 is 70.7% below this benchmark. Historically, Isracard's own Equity-to-Asset has ranged from 0.09 to 0.16 over the past decade. While the company's 10-year median is 0.12 vs. the industry median of 0.41, 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 Equity-to-Asset for a Credit Services company?
The median Equity-to-Asset among Credit Services companies is 0.41, based on 543 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Isracard's current Equity-to-Asset of 0.12 is 70.7% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Isracard and its competitors. For the Credit Services industry, the median Equity-to-Asset is 0.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Isracard's current Equity-to-Asset is 0.12, which is near median its own 10-year median of 0.12. 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 Equity-to-Asset of 0.12. 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 Equity-to-Asset is 0.12, which is near median its 10-year median of 0.12 and 70.7% below the Credit Services industry median of 0.41. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Isracard (ISCDF), the current Equity-to-Asset is 0.12 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 3.5% below its estimated GF Value™ of $4.56.
Key valuation signals for ISCDF:
Equity-to-Asset: 0.12 (near median its 10-year median of 0.12)
GF Value™: $4.56 vs. price of $4.40 (3.5% below fair value)
Industry Position: 70.7% below the Credit Services median (#471 of 543)
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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