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IsracardISCDF 80 Price-to-Owner-Earnings is 2.04 as of Sep. 06, 2026. GuruFocus rates ISCDF with a GF Score™ of 80/100 and a GF Value™ of $3.99. The stock has 7 warning signs investors should review. Among 208 Credit Services companies, Isracard ranks better than 86.06% on this metric.
As of today (2026-09-06), Isracard's share price is $4.40.
Isracard's Owner Earnings per Share (TTM) ended in Jun. 2026 was $2.16. It's Price-to-Owner-Earnings for today is 2.04.
The historical rank and industry rank for Isracard's Price-to-Owner-Earnings or its related term are showing as below:
ISCDF'
s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 0.21 Med: 3.4 Max: 22.79
Current: 2.03
During the past 13 years, the highest Price-to-Owner-Earnings of Isracard was 22.79. The lowest was 0.21. And the median was 3.40.
ISCDF's Price-to-Owner-Earnings is ranked better than 86.06% of 208
companies
in the Credit Services industry
Industry Median: 9.85
vs ISCDF: 2.03
As of today (2026-09-06), Isracard's share price is $4.40.
Isracard's EPS without NRI for the trailing twelve months (TTM) ended in was $0.23. Therefore, Isracard's PE Ratio without NRI for today is 18.80.
During the past 13 years, Isracard's highestPE Ratio without NRI was 27.76. The lowest was 6.02. And the median was 10.78.
The historical data trend for Isracard's Price-to-Owner-Earnings 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: Price-to-Owner-Earnings Comparison
For the Credit Services subindustry, Isracard's Price-to-Owner-Earnings, along with its competitors' market caps and Price-to-Owner-Earnings 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-Owner-Earnings vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Isracard's Price-to-Owner-Earnings distribution charts can be found below:
* The bar in red indicates where Isracard's Price-to-Owner-Earnings falls into.
"These represent (a) reported earnings plus (b) depreciation, depletion, amortization, and certain other non-cash charges...less (c) the average annual amount of capitalized expenditures for plant and equipment, etc. that the business requires to fully maintain its long-term competitive position and its unit volume. (If the business requires additional working capital to maintain its competitive position and unit volume, the increment also should be included in (c))...Our owner-earnings equation does not yield the deceptively precise figures provided by GAAP, since (c) must be a guess - and one sometimes very difficult to make. Despite this problem, we consider the owner earnings figure, not the GAAP figure, to be the relevant item for valuation purposes - both for investors in buying stocks and for managers in buying entire businesses...All of this points up the absurdity of the 'cash flow' numbers that are often set forth in Wall Street reports. These numbers routinely include (a) plus (b) - but do not subtract (c)."
Isracard's Price-to-Owner-Earnings for today 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 Price-to-Owner-Earnings of 2.04 as of Sep. 06, 2026. Price-to-owner-earnings ratio is the ratio of share price to a company's Buffett owner earnings per share. View historical data on Isracard and its competitors. According to the industry distribution chart, Isracard ranks #29 out of 208 companies in the Credit Services industry, placing it in the top 13.9%.
Is Isracard's Price-to-Owner-Earnings too high?
Isracard's current Price-to-Owner-Earnings is 2.04. The Credit Services industry median Price-to-Owner-Earnings is 9.85. Isracard's value of 2.04 is 79.3% below this industry median. Based on the distribution chart, Isracard ranks #29 out of 208 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 80/100, reflecting its overall financial health beyond just this single metric.
How does Isracard's Price-to-Owner-Earnings compare to V and MA?
According to the Credit Services industry distribution chart, Isracard ranks #29 out of 208 companies for Price-to-Owner-Earnings. This places Isracard in the top 14% of its industry — outperforming the majority of peers. The industry median Price-to-Owner-Earnings is 9.85. Isracard's value of 2.04 is 79.3% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Price-to-Owner-Earnings for a Credit Services company?
The median Price-to-Owner-Earnings among Credit Services companies is 9.85, based on 208 companies in the industry. Companies in the top quartile (top 25%) have a Price-to-Owner-Earnings significantly above this median, while those in the bottom quartile fall well below. However, Price-to-Owner-Earnings should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Isracard's current Price-to-Owner-Earnings of 2.04 is 79.3% 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 Price-to-Owner-Earnings mean?
A high Price-to-Owner-Earnings can signal that a stock is expensive relative to its fundamentals. Price-to-owner-earnings ratio is the ratio of share price to a company's Buffett owner earnings per share. View historical data on Isracard and its competitors. For the Credit Services industry, the median Price-to-Owner-Earnings is 9.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Isracard's current Price-to-Owner-Earnings is 2.04. 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 Price-to-Owner-Earnings of 2.04. The stock's GF Value™ is $3.99, compared to a current price of $4.40 — trading 10.3% above its estimated fair value. The current Price-to-Owner-Earnings is 2.04 and 79.3% below the Credit Services industry median of 9.85. Isracard's overall GF Score™ is 80/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Price-to-Owner-Earnings calculated?
Price-to-Owner-Earnings is calculated from a company's financial statements. For Isracard (ISCDF), the current Price-to-Owner-Earnings is 2.04 as of Sep. 06, 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 overvalued.
The current stock price of $4.40 is trading 10.3% above its estimated GF Value™ of $3.99.
Key valuation signals for ISCDF:
Price-to-Owner-Earnings: 2.04
GF Value™: $3.99 vs. price of $4.40 (10.3% above fair value)
Industry Position: 79.3% below the Credit Services median (#29 of 208)
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.
80GF Score
Get the complete analysis for ISCDF
Price-to-Owner-Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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