Isracard
Isracard Ltd. operates as a credit card company in Israel. Based in Bnei Brak.
Isracard: net income sharply up (+187.4%), credit provisions sharply up (+42.6%), interest income up (+3.3%).
- Net income sharply upH1 2026
Net income (attributable to shareholders): ₪125M, vs. ₪−143M a year earlier, i.e. +187.4%.
- Credit provisions sharply upH1 2026
Credit loss expenses: ₪154M, vs. ₪108M a year earlier, i.e. +42.6%.
- Interest income upH1 2026
Net interest income: ₪498M, vs. ₪482M a year earlier, i.e. +3.3%.
What the market pays, vs. the sector
This company's valuation multiples history is being built day by day from now on.
P/E calculated on net income (trailing 12 months: last fiscal year + H1 2026 − same period a year earlier). Sector median: companies in the group tracked here. Prices: Yahoo Finance; market cap cross-checked with the Tel Aviv Stock Exchange for Israeli stocks. These ratios describe a price, not a value: none of them says whether the share is expensive or cheap.
Dividend per share, over 5 years
Total dividends per share paid each calendar year (5 year(s) out of 5 with a payment). Source: Yahoo Finance. The current year is not complete.
Trades by executives and interested parties
5 filing(s) over 12 months · on shares: 3 increase(s) and 0 decrease(s) in holdings.
| Date | Holder | Security | Direction | Quantity | Price | |
|---|---|---|---|---|---|---|
| 01/07/2026 | Furman Itamar Director | Options | Up | 864,501 | — | Maya › |
| 10/06/2026 | DELEK GROUP LTD Interested party | Shares | Up | 674,705 | ₪12.19 | Maya › |
| 07/06/2026 | Regev Yonatan Shimon Executive | Options | Up | 218,988 | — | Maya › |
| 04/06/2026 | Yassur Tamar Director | Shares | Up | 42,473 | — | Maya › |
| 01/06/2026 | DELEK GROUP LTD Interested party | Shares | Up | 690,000 | ₪12.35 | Maya › |
Filings submitted on Maya (executives, directors, shareholders above 5%). An increase or decrease in holdings may come from a purchase or sale on the exchange, but also from a grant or exercise of options (price "—": grant with no price). Bonds excluded. For details, see the filing on Maya.
Follow earnings · WhatsApp group TA-125Details ▾
Every report from a TA-125 company, analyzed the same day: key figures and year-on-year change, analysis in brief, share price reaction. One daily summary during earnings season.
Join the TA-125 groupDetailed figures and history
Financial summary
| S1 2026 | S1 2025 | FY 2025 | |
|---|---|---|---|
| Total assets | 28,518 | 25,350 | 27,883 |
| Cash and bank deposits | 591 | 349 | 485 |
| Securities | 83 | 62 | 88 |
| חייבים בגין פעילות בכרטיסי אשראי, נטו | 25,934 | 23,255 | 25,650 |
| Equity attributable to shareholders | 3,335 | 2,980 | 3,202 |
| זכאים בגין פעילות בכרטיסי אשראי | 19,746 | 17,090 | 19,459 |
| אשראי מתאגידים בנקאיים ואחרים | 3,170 | 2,656 | 2,407 |
| Net interest income | 498 | 482 | 992 |
| Credit loss expenses | −154 | −108 | −227 |
| Non-interest income | 1,306 | 1,215 | 2,530 |
| Operating expenses | 1,499 | 1,750 | 3,303 |
| Pre-tax income | 151 | −161 | −8 |
| Net income (attributable to shareholders) | 125 | −143 | −40 |
| Dividends paid | 0 | −53 | −1,299 |
| Operating cash flow | 1,349 | −852 | 151 |
In millions of shekels. The "H1" columns cover the first six months of the year.
Calculated from these figures
| S1 2026 | S1 2025 | FY 2025 | |
|---|---|---|---|
| Return on equity (annualized) | 7.5% | −9.6% | −1.2% |
| Cost-to-income ratio | 83.1% | 103.1% | 93.8% |
| Equity / total assets | 11.7% | 11.8% | 11.5% |
| Cost of risk (annualized; negative = provision release) | — | — | — |
| Loans / deposits from the public | — | — | — |
The 5-year history, charts and cross-check models are coming for companies listed only in Tel Aviv: each new filing on Maya is kept and enriches the page. The Piotroski, Beneish and Altman models do not apply to banks.
Company overview
Isracard Ltd. operates as a credit card company in Israel. It offers various payment solutions, including Digital credit card, Apple Pay, Google Pay, Garmin Pay, Topcash, and Isracard application, as well as commercial credit and debit card clearing. The company also offers credit and finance services; and issuance of debit and settlement cards; as well discounting and settlement services for the debit card brands, such as Isracard, MasterCard, American Express, and Visa. Isracard Ltd. was incorporated in 1975 and is based in Bnei Brak, Israel.
Source: official company profile (Yahoo Finance), summary. Website: digital.isracard.co.il
- Maya, Tel Aviv Stock Exchange: company page and reports