ScoreWhy is Isracard Ltd. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 13.24% signifying inadequate buffers against its risk based assets
- Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at -176.69%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 13.24% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.54% signifying low profitability per unit of total assets
2
Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at -176.69%
3
With ROA of 0.10%, it has a Very Expensive valuation with a 1.63 Price to Book Value
- Over the past year, while the stock has generated a return of -14.65%, its profits have fallen by -119.9%
4
Majority shareholders : Non Institution
5
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -14.65% returns in the last 1 year, the stock has also underperformed Israel TA-100 in each of the last 3 annual periods
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Isracard Ltd. should be less than 10%
- Overall Portfolio exposure to Finance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Isracard Ltd. for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Isracard Ltd.
-100.0%
0.15
47.73%
Israel TA-100
67.12%
3.88
17.32%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
-100.00%
EBIT Growth (5y)
-6.04%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
102
Industry P/E
Price to Book Value
1.63
EV to EBIT
-38.10
EV to EBITDA
-211.11
EV to Capital Employed
1.34
EV to Sales
NA
PEG Ratio
NA
Dividend Yield
ROCE (Latest)
-3.50%
ROE (Latest)
1.60%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
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