IsracardISCDF 77 Price-to-Tangible-Book is 1.34 as of Jul. 07, 2026, which is 30% above its 10-year median of 1.03. 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 509 Credit Services companies, Isracard ranks worse than 52.26% on this metric.
As of today (2026-07-07), Isracard's share price is $4.40. Isracard's Tangible Book per Share of Mar. 2026 for the quarter that ended in Mar. 2026 was $3.28. Hence, Isracard's Price to Tangible Book Ratio of today is 1.34.
The historical rank and industry rank for Isracard's Price-to-Tangible-Book or its related term are showing as below:
ISCDF'
s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.65 Med: 1.03 Max: 1.6
Current: 1.21
During the past 13 years, Isracard's highest Price to Tangible Book Ratio was 1.60. The lowest was 0.65. And the median was 1.03.
ISCDF's Price-to-Tangible-Book is ranked worse than 52.26% of 509
companies
in the Credit Services industry
Industry Median: 1.11
vs ISCDF: 1.21
A closely related ratio is called PB Ratio. As of today, Isracard's share price is $4.40. Isracard's Book Value per Sharefor the quarter that ended in Mar. 2026 was $3.30. Hence, Isracard's P/B Ratio of today is 1.33.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The Price-to-Book Ratio does not work well for these companies. Some companies even have negative equity, so the Price-to-Book Ratio cannot be applied to them.
Isracard Price-to-Tangible-Book Related Terms
Isracard Price-to-Tangible-Book Historical Data
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The historical data trend for Isracard's Price-to-Tangible-Book 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-Tangible-Book Comparison
For the Credit Services subindustry, Isracard's Price-to-Tangible-Book, along with its competitors' market caps and Price-to-Tangible-Book 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-Tangible-Book vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Isracard's Price-to-Tangible-Book distribution charts can be found below:
* The bar in red indicates where Isracard's Price-to-Tangible-Book 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called PB Ratio. The difference between Price-to-Tangible-Book Ratio and PB Ratio is that book value other than intangibles are used in the calculation.
Isracard (ISCDF) has a Price-to-Tangible-Book of 1.34 as of Jul. 07, 2026. Price-to-tangible-book ratio is the ratio of share price to a company's tangible book value per share. View historical data on Isracard and its competitors. This is 30% above median its historical median of 1.03. Over the past decade, Isracard's Price-to-Tangible-Book has ranged from 0.65 to 1.60. According to the industry distribution chart, Isracard ranks #266 out of 509 companies in the Credit Services industry, placing it in the top 52.3%.
Is Isracard's Price-to-Tangible-Book too high?
Isracard's current Price-to-Tangible-Book of 1.34 is 30% above median its 10-year median of 1.03. Over the past 10 years, this metric has ranged from a low of 0.65 to a high of 1.60. The Credit Services industry median Price-to-Tangible-Book is 1.11. Isracard's value of 1.34 is 20.7% above this industry median. Based on the distribution chart, Isracard ranks #266 out of 509 companies in the Credit Services industry, which is below the industry midpoint. Overall, Isracard has a GF Score™ of 77/100, reflecting its overall financial health beyond just this single metric.
How does Isracard's Price-to-Tangible-Book compare to V and MA?
According to the Credit Services industry distribution chart, Isracard ranks #266 out of 509 companies for Price-to-Tangible-Book. This places Isracard in the lower half of its industry. The industry median Price-to-Tangible-Book is 1.11. Isracard's value of 1.34 is 20.7% above this benchmark. Historically, Isracard's own Price-to-Tangible-Book has ranged from 0.65 to 1.60 over the past decade. While the company's 10-year median is 1.03 vs. the industry median of 1.11, 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 Price-to-Tangible-Book for a Credit Services company?
The median Price-to-Tangible-Book among Credit Services companies is 1.11, based on 509 companies in the industry. Companies in the top quartile (top 25%) have a Price-to-Tangible-Book significantly above this median, while those in the bottom quartile fall well below. However, Price-to-Tangible-Book should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Isracard's current Price-to-Tangible-Book of 1.34 is 20.7% 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 Price-to-Tangible-Book mean?
A high Price-to-Tangible-Book can signal that a stock is expensive relative to its fundamentals. Price-to-tangible-book ratio is the ratio of share price to a company's tangible book value per share. View historical data on Isracard and its competitors. For the Credit Services industry, the median Price-to-Tangible-Book is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Isracard's current Price-to-Tangible-Book is 1.34, which is 30% above median its own 10-year median of 1.03. 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-Tangible-Book of 1.34. 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 Price-to-Tangible-Book is 1.34, which is 30% above median its 10-year median of 1.03 and 20.7% above the Credit Services industry median of 1.11. 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 Price-to-Tangible-Book calculated?
Price-to-Tangible-Book is calculated from a company's financial statements. For Isracard (ISCDF), the current Price-to-Tangible-Book is 1.34 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:
Price-to-Tangible-Book: 1.34 (30% above median its 10-year median of 1.03)
GF Value™: $4.56 vs. price of $4.40 (3.5% below fair value)
Industry Position: 20.7% above the Credit Services median (#266 of 509)
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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