IsracardISCDF 77 Intrinsic Value: Projected FCF is $20.64 as of Jul. 07, 2026, which is 9729% above its 10-year median of 0.21. 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 311 Credit Services companies, Isracard ranks better than 84.89% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2026-07-07), Isracard's Intrinsic Value: Projected FCF is $20.64. The stock price of Isracard is $4.40. Therefore, Isracard's Price-to-Intrinsic-Value-Projected-FCF of today is 0.2.
The historical rank and industry rank for Isracard's Intrinsic Value: Projected FCF or its related term are showing as below:
ISCDF'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.13 Med: 0.21 Max: 40.48
Current: 0.21
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Isracard was 40.48. The lowest was 0.13. And the median was 0.21.
ISCDF's Price-to-Projected-FCF is ranked better than 84.89% of 311
companies
in the Credit Services industry
Industry Median: 0.74
vs ISCDF: 0.21
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Isracard's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
4.40
/
18.728417267288
=
0.23
* 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 Intrinsic Value: Projected FCF Related Terms
Isracard Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for Isracard's Intrinsic Value: Projected FCF 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.
ISCDF vs V, MA, AXP: Intrinsic Value: Projected FCF Comparison
For the Credit Services subindustry, Isracard's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF 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 Price-to-Projected-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Isracard's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Isracard's Price-to-Projected-FCF falls into.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of $20.64 mean?
Isracard (ISCDF) has a Intrinsic Value: Projected FCF of $20.64 as of Jul. 07, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Isracard and its competitors. This is 9729% above median its historical median of 0.21. Over the past decade, Isracard's Intrinsic Value: Projected FCF has ranged from 0.13 to 40.48. According to the industry distribution chart, Isracard ranks #47 out of 311 companies in the Credit Services industry, placing it in the top 15.1%.
Is Isracard's Intrinsic Value: Projected FCF too high?
Isracard's current Intrinsic Value: Projected FCF of $20.64 is 9729% above median its 10-year median of 0.21. Over the past 10 years, this metric has ranged from a low of 0.13 to a high of 40.48. The Credit Services industry median Intrinsic Value: Projected FCF is 0.74. Isracard's value of $20.64 is 2689.2% above this industry median. Based on the distribution chart, Isracard ranks #47 out of 311 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 Intrinsic Value: Projected FCF compare to V and MA?
According to the Credit Services industry distribution chart, Isracard ranks #47 out of 311 companies for Intrinsic Value: Projected FCF. This places Isracard in the top 15% of its industry — outperforming the majority of peers. The industry median Intrinsic Value: Projected FCF is 0.74. Isracard's value of $20.64 is 2689.2% above this benchmark. Historically, Isracard's own Intrinsic Value: Projected FCF has ranged from 0.13 to 40.48 over the past decade. While the company's 10-year median is 0.21 vs. the industry median of 0.74, 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 Intrinsic Value: Projected FCF for a Credit Services company?
The median Intrinsic Value: Projected FCF among Credit Services companies is 0.74, based on 311 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Isracard's current Intrinsic Value: Projected FCF of $20.64 is 2689.2% 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Isracard and its competitors. For the Credit Services industry, the median Intrinsic Value: Projected FCF is 0.74 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Isracard's current Intrinsic Value: Projected FCF is $20.64, which is 9729% above median its own 10-year median of 0.21. 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 Intrinsic Value: Projected FCF of $20.64. 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 Intrinsic Value: Projected FCF is $20.64, which is 9729% above median its 10-year median of 0.21 and 2689.2% above the Credit Services industry median of 0.74. 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 Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Isracard (ISCDF), the current Intrinsic Value: Projected FCF is $20.64 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:
Intrinsic Value: Projected FCF: $20.64 (9729% above median its 10-year median of 0.21)
GF Value™: $4.56 vs. price of $4.40 (3.5% below fair value)
Industry Position: 2689.2% above the Credit Services median (#47 of 311)
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
Get the complete analysis for ISCDF
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
ISCDF has been successfully added to your 
