Isracard Ltd
TASE:ISCD
Income Statement
Earnings Waterfall
Isracard Ltd
Income Statement
Isracard Ltd
| Mar-2019 | Jun-2019 | Sep-2019 | Dec-2019 | Mar-2020 | Jun-2020 | Sep-2020 | Dec-2020 | Mar-2021 | Jun-2021 | Sep-2021 | Dec-2021 | Mar-2022 | Jun-2022 | Sep-2022 | Dec-2022 | Mar-2023 | Jun-2023 | Sep-2023 | Dec-2023 | Mar-2024 | Jun-2024 | Sep-2024 | Dec-2024 | Mar-2025 | Jun-2025 | Sep-2025 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | ||||||||||||||||||||||||||||
| Revenue |
3 463
N/A
|
3 445
-1%
|
4 033
+17%
|
2 273
-44%
|
2 225
-2%
|
2 148
-3%
|
2 097
-2%
|
2 073
-1%
|
2 037
-2%
|
2 125
+4%
|
2 173
+2%
|
2 352
+8%
|
2 359
+0%
|
2 433
+3%
|
2 549
+5%
|
2 703
+6%
|
2 842
+5%
|
3 003
+6%
|
3 144
+5%
|
3 143
0%
|
3 138
0%
|
3 140
+0%
|
3 150
+0%
|
3 264
+4%
|
3 317
+2%
|
3 374
+2%
|
3 455
+2%
|
|
| Gross Profit | ||||||||||||||||||||||||||||
| Cost of Revenue |
(208)
|
(217)
|
(268)
|
(436)
|
(244)
|
(271)
|
(277)
|
(503)
|
(157)
|
(84)
|
(39)
|
(316)
|
(81)
|
(100)
|
(120)
|
(418)
|
(185)
|
(242)
|
(315)
|
(616)
|
(330)
|
(338)
|
(298)
|
(551)
|
(261)
|
(223)
|
(203)
|
|
| Gross Profit |
3 255
N/A
|
3 228
-1%
|
3 765
+17%
|
1 837
-51%
|
1 981
+8%
|
1 877
-5%
|
1 820
-3%
|
1 570
-14%
|
1 880
+20%
|
2 041
+9%
|
2 134
+5%
|
2 036
-5%
|
2 278
+12%
|
2 333
+2%
|
2 429
+4%
|
2 285
-6%
|
2 657
+16%
|
2 761
+4%
|
2 829
+2%
|
2 527
-11%
|
2 808
+11%
|
2 802
0%
|
2 852
+2%
|
2 713
-5%
|
3 056
+13%
|
3 151
+3%
|
3 252
+3%
|
|
| Operating Income | ||||||||||||||||||||||||||||
| Operating Expenses |
(2 609)
|
(2 659)
|
(3 018)
|
(1 189)
|
(1 537)
|
(1 341)
|
(1 316)
|
(1 185)
|
(1 444)
|
(1 517)
|
(1 553)
|
(1 244)
|
(1 562)
|
(1 662)
|
(1 742)
|
(1 522)
|
(1 900)
|
(1 957)
|
(2 001)
|
(1 694)
|
(1 955)
|
(1 947)
|
(2 000)
|
(1 819)
|
(2 243)
|
(2 589)
|
(2 726)
|
|
| Selling, General & Administrative |
(814)
|
(846)
|
(998)
|
(653)
|
(618)
|
(581)
|
(574)
|
(638)
|
(596)
|
(620)
|
(626)
|
(677)
|
(642)
|
(682)
|
(721)
|
(825)
|
(815)
|
(842)
|
(854)
|
(868)
|
(817)
|
(821)
|
(865)
|
(961)
|
(1 022)
|
(1 044)
|
(1 111)
|
|
| Depreciation & Amortization |
0
|
0
|
0
|
(98)
|
0
|
0
|
0
|
(171)
|
0
|
0
|
0
|
(135)
|
0
|
0
|
0
|
(158)
|
0
|
0
|
0
|
(160)
|
0
|
0
|
0
|
(159)
|
0
|
0
|
0
|
|
| Other Operating Expenses |
(1 795)
|
(1 813)
|
(2 020)
|
(438)
|
(919)
|
(760)
|
(742)
|
(376)
|
(848)
|
(897)
|
(927)
|
(432)
|
(920)
|
(980)
|
(1 021)
|
(539)
|
(1 085)
|
(1 115)
|
(1 147)
|
(666)
|
(1 138)
|
(1 126)
|
(1 135)
|
(699)
|
(1 221)
|
(1 545)
|
(1 615)
|
|
| Operating Income |
646
N/A
|
569
-12%
|
747
+31%
|
648
-13%
|
444
-31%
|
536
+21%
|
504
-6%
|
385
-24%
|
436
+13%
|
524
+20%
|
581
+11%
|
792
+36%
|
716
-10%
|
671
-6%
|
687
+2%
|
763
+11%
|
757
-1%
|
804
+6%
|
828
+3%
|
833
+1%
|
853
+2%
|
855
+0%
|
852
0%
|
894
+5%
|
813
-9%
|
562
-31%
|
526
-6%
|
|
| Pre-Tax Income | ||||||||||||||||||||||||||||
| Interest Income Expense |
0
|
0
|
(72)
|
(321)
|
(203)
|
(248)
|
(237)
|
(247)
|
(214)
|
(234)
|
(240)
|
(309)
|
(259)
|
(317)
|
(378)
|
(528)
|
(523)
|
(529)
|
(537)
|
(496)
|
(502)
|
(507)
|
(511)
|
(551)
|
(546)
|
(555)
|
(563)
|
|
| Pre-Tax Income |
646
N/A
|
569
-12%
|
675
+19%
|
327
-52%
|
241
-26%
|
288
+20%
|
267
-7%
|
138
-48%
|
222
+61%
|
290
+31%
|
341
+18%
|
483
+42%
|
457
-5%
|
354
-23%
|
309
-13%
|
235
-24%
|
234
0%
|
275
+18%
|
291
+6%
|
337
+16%
|
351
+4%
|
348
-1%
|
341
-2%
|
343
+1%
|
267
-22%
|
7
-97%
|
(37)
N/A
|
|
| Net Income | ||||||||||||||||||||||||||||
| Tax Provision |
(168)
|
(155)
|
(178)
|
(87)
|
(66)
|
(75)
|
(77)
|
(50)
|
(68)
|
(88)
|
(102)
|
(147)
|
(145)
|
(121)
|
(113)
|
(83)
|
(78)
|
(85)
|
(80)
|
(84)
|
(87)
|
(82)
|
(79)
|
(81)
|
(63)
|
(22)
|
(19)
|
|
| Income from Continuing Operations |
478
|
414
|
497
|
240
|
175
|
213
|
190
|
88
|
154
|
202
|
239
|
336
|
312
|
233
|
196
|
152
|
156
|
190
|
211
|
253
|
264
|
266
|
262
|
262
|
204
|
(15)
|
(56)
|
|
| Income to Minority Interest |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
1
|
1
|
1
|
1
|
1
|
1
|
(1)
|
(1)
|
(2)
|
(2)
|
|
| Equity Earnings Affiliates |
3
|
4
|
4
|
4
|
5
|
5
|
6
|
5
|
3
|
4
|
5
|
7
|
7
|
5
|
3
|
3
|
4
|
5
|
4
|
0
|
(2)
|
(2)
|
0
|
3
|
4
|
4
|
4
|
|
| Net Income (Common) |
481
N/A
|
418
-13%
|
501
+20%
|
244
-51%
|
180
-26%
|
218
+21%
|
196
-10%
|
93
-53%
|
157
+69%
|
206
+31%
|
244
+18%
|
343
+41%
|
319
-7%
|
238
-25%
|
199
-16%
|
155
-22%
|
160
+3%
|
194
+21%
|
214
+10%
|
252
+18%
|
260
+3%
|
262
+1%
|
260
-1%
|
264
+2%
|
207
-22%
|
(11)
N/A
|
(52)
-373%
|
|
| EPS (Diluted) |
2.41
N/A
|
2.09
-13%
|
2.51
+20%
|
1.22
-51%
|
0.9
-26%
|
1.09
+21%
|
0.98
-10%
|
0.47
-52%
|
0.79
+68%
|
1.03
+30%
|
1.22
+18%
|
1.72
+41%
|
1.6
-7%
|
1.19
-26%
|
1
-16%
|
0.78
-22%
|
0.8
+3%
|
0.97
+21%
|
1.07
+10%
|
1.26
+18%
|
1.3
+3%
|
1.31
+1%
|
1.3
-1%
|
1.32
+2%
|
0.99
-25%
|
-0.05
N/A
|
-0.16
-220%
|
|