I

Isracard Ltd
TASE:ISCD

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Isracard Ltd
TASE:ISCD
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Price: 1 365 ILS -1.44% Market Closed
Market Cap: 4.4B ILS

Profitability Summary

We take all the information about a company's profitability (such as its margins, capital efficiency, free cash flow generating ability, and more) and consolidate it into one single number - the profitability score. The higher the profitability score, the more profitable the company is.

Past Growth

Analyzing past growth in Revenue, Operating Income, and Net Income allows investors to assess the company's profitability and operational efficiency. Consistent improvement in these metrics typically signals long-term strength and stability.

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Margins

Profit margins represent what percentage of sales has turned into profits. Simply put, the percentage figure indicates how many cents of profit the company has generated for each dollar of sale.

Profit margins help investors assess if a company's management is generating enough profit from its sales and whether operating costs and overhead costs are being contained.

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Earnings Waterfall
Isracard Ltd

Revenue
3.3B ILS
Cost of Revenue
-261m ILS
Gross Profit
3.1B ILS
Operating Expenses
-2.2B ILS
Operating Income
813m ILS
Other Expenses
-606m ILS
Net Income
207m ILS

Margins Comparison
Isracard Ltd Competitors

Country Company Market Cap Gross
Margin
Operating
Margin
Net
Margin
IL
Isracard Ltd
TASE:ISCD
4.4B ILS
92%
25%
6%
US
American Express Co
NYSE:AXP
222.1B USD
61%
17%
13%
US
Capital One Financial Corp
NYSE:COF
141.5B USD
0%
0%
-1%
IN
Bajaj Finance Ltd
NSE:BAJFINANCE
5.6T INR
60%
43%
24%
US
Discover Financial Services
NYSE:DFS
50.4B USD
0%
0%
25%
US
SoFi Technologies Inc
NASDAQ:SOFI
27.9B USD
0%
0%
18%
US
Synchrony Financial
NYSE:SYF
27.2B USD
0%
0%
17%
KZ
Kaspi.kz AO
NASDAQ:KSPI
17.6B USD
0%
0%
48%
IN
Cholamandalam Investment and Finance Company Ltd
NSE:CHOLAFIN
1.3T INR
51%
30%
17%
IN
Shriram Finance Ltd
NSE:SHRIRAMFIN
1.2T INR
53%
37%
22%
US
Santander Consumer USA Holdings Inc
F:77S
11.3B EUR
74%
52%
40%

Return on Capital

Return on capital ratios give a sense of how well a company is using its capital (equity, assets, capital employed, etc.) to generate profits (operating income, net income, etc.). In simple words, these ratios show how much income is generated for each dollar of capital invested.

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Return on Capital Comparison
Isracard Ltd Competitors

Country Company Market Cap ROE ROA ROCE ROIC
IL
Isracard Ltd
TASE:ISCD
4.4B ILS
7%
1%
12%
11%
US
American Express Co
NYSE:AXP
222.1B USD
32%
4%
10%
5%
US
Capital One Financial Corp
NYSE:COF
141.5B USD
0%
0%
0%
0%
IN
Bajaj Finance Ltd
NSE:BAJFINANCE
5.6T INR
20%
4%
9%
6%
US
Discover Financial Services
NYSE:DFS
50.4B USD
33%
4%
0%
0%
US
SoFi Technologies Inc
NASDAQ:SOFI
27.9B USD
9%
2%
0%
0%
US
Synchrony Financial
NYSE:SYF
27.2B USD
20%
3%
0%
0%
KZ
Kaspi.kz AO
NASDAQ:KSPI
17.6B USD
50%
9%
0%
0%
IN
Cholamandalam Investment and Finance Company Ltd
NSE:CHOLAFIN
1.3T INR
21%
3%
5%
3%
IN
Shriram Finance Ltd
NSE:SHRIRAMFIN
1.2T INR
18%
4%
7%
5%
US
Santander Consumer USA Holdings Inc
F:77S
11.3B EUR
47%
6%
8%
6%

Free Cash Flow

Free cash flow (FCF) is the money a company has left over after paying its operating expenses and capital expenditures. The more free cash flow a company has, the more it can allocate to dividends, paying down debt, and growth opportunities.

If a company has a decreasing free cash flow, that is not necessarily bad if the company is investing in its growth.

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