Bank Hapoalim B.M. Logo

Bank Hapoalim B.M.

BKHYY

(3.8)
Stock Price

56,83 USD

1.11% ROA

14.31% ROE

6.31x PER

Market Cap.

47.718.776.914,20 USD

35.19% DER

4.56% Yield

36.68% NPM

Bank Hapoalim B.M. Stock Analysis

Bank Hapoalim B.M. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Bank Hapoalim B.M. Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (15.8%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 PBV

The stock's low PBV ratio (0.81x) suggests it's undervalued, making it an attractive opportunity for investors.

3 DER

The stock has a low debt to equity ratio (50%), which means it has a small amount of debt compared to the ownership it holds

4 Net Profit Growth

With a track record of consistent net profit growth over the past five years, this company presents a compelling investment opportunity due to its strong financial performance.

5 Assets Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

6 ROA

The stock's ROA (1.12%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

7 Revenue Growth

Company's revenue has experienced consistent growth over the last three years, indicating a favorable financial trajectory and making it an attractive investment choice.

8 Graham Number

The Graham number of this company suggests that its stock price may be undervalued, indicating a potentially attractive investment opportunity.

9 Dividend

The company's track record of consistently paying dividends in the last three years highlights its dedication to providing investors with regular income.

10 Buffet Intrinsic Value

The company's stock seems undervalued (638) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

11 Dividend Growth

The company's dividend growth has been flat for the past three years, raising concerns for potential investors seeking reliable returns.

Bank Hapoalim B.M. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Bank Hapoalim B.M. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Bank Hapoalim B.M. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Bank Hapoalim B.M. Revenue
Year Revenue Growth
2004 11.286.000.000
2005 12.209.000.000 7.56%
2006 12.950.000.000 5.72%
2007 12.183.000.000 -6.3%
2008 7.911.000.000 -54%
2009 9.952.000.000 20.51%
2010 11.854.000.000 16.05%
2011 13.083.000.000 9.39%
2012 13.630.000.000 4.01%
2013 13.653.000.000 0.17%
2014 14.017.000.000 2.6%
2015 14.348.000.000 2.31%
2016 14.709.000.000 2.45%
2017 14.579.000.000 -0.89%
2018 13.746.000.000 -6.06%
2019 13.204.000.000 -4.1%
2020 13.119.000.000 -0.65%
2021 14.300.000.000 8.26%
2022 17.874.000.000 20%
2023 21.192.000.000 15.66%
2023 21.311.000.000 0.56%
2024 22.928.000.000 7.05%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Bank Hapoalim B.M. Research and Development Expenses
Year Research and Development Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Bank Hapoalim B.M. General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 1.518.000.000 100%
2011 840.000.000 -80.71%
2012 843.000.000 0.36%
2013 808.000.000 -4.33%
2014 831.000.000 2.77%
2015 887.000.000 6.31%
2016 859.000.000 -3.26%
2017 996.000.000 13.76%
2018 1.209.000.000 17.62%
2019 1.176.000.000 -2.81%
2020 904.000.000 -30.09%
2021 886.000.000 -2.03%
2022 852.000.000 -3.99%
2023 0 0%
2023 849.000.000 100%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Bank Hapoalim B.M. EBITDA
Year EBITDA Growth
2004 3.911.000.000
2005 5.077.000.000 22.97%
2006 5.840.000.000 13.07%
2007 4.789.000.000 -21.95%
2008 -618.000.000 874.92%
2009 3.094.000.000 119.97%
2010 4.447.000.000 30.43%
2011 4.311.000.000 -3.15%
2012 10.782.000.000 60.02%
2013 9.666.000.000 -11.55%
2014 8.041.000.000 -20.21%
2015 7.895.000.000 -1.85%
2016 7.668.000.000 -2.96%
2017 7.554.000.000 -1.51%
2018 7.979.000.000 5.33%
2019 4.021.000.000 -98.43%
2020 4.245.000.000 5.28%
2021 8.489.000.000 49.99%
2022 16.589.000.000 48.83%
2023 11.040.000.000 -50.26%
2023 12.092.000.000 8.7%
2024 15.292.000.000 20.93%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Bank Hapoalim B.M. Gross Profit
Year Gross Profit Growth
2004 11.286.000.000
2005 12.209.000.000 7.56%
2006 12.950.000.000 5.72%
2007 12.183.000.000 -6.3%
2008 7.911.000.000 -54%
2009 9.952.000.000 20.51%
2010 11.854.000.000 16.05%
2011 13.083.000.000 9.39%
2012 13.630.000.000 4.01%
2013 13.653.000.000 0.17%
2014 14.017.000.000 2.6%
2015 14.348.000.000 2.31%
2016 14.709.000.000 2.45%
2017 14.579.000.000 -0.89%
2018 13.746.000.000 -6.06%
2019 13.204.000.000 -4.1%
2020 13.119.000.000 -0.65%
2021 14.300.000.000 8.26%
2022 17.874.000.000 20%
2023 21.192.000.000 15.66%
2023 21.311.000.000 0.56%
2024 22.928.000.000 7.05%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Bank Hapoalim B.M. Net Profit
Year Net Profit Growth
2004 2.089.000.000
2005 2.888.000.000 27.67%
2006 3.359.000.000 14.02%
2007 2.679.000.000 -25.38%
2008 -895.000.000 399.33%
2009 1.300.000.000 168.85%
2010 2.201.000.000 40.94%
2011 2.746.000.000 19.85%
2012 2.506.000.000 -9.58%
2013 2.537.000.000 1.22%
2014 2.713.000.000 6.49%
2015 3.082.000.000 11.97%
2016 2.628.000.000 -17.28%
2017 2.660.000.000 1.2%
2018 2.595.000.000 -2.5%
2019 1.799.000.000 -44.25%
2020 2.056.000.000 12.5%
2021 4.914.000.000 58.16%
2022 6.532.000.000 24.77%
2023 6.676.000.000 2.16%
2023 7.360.000.000 9.29%
2024 8.952.000.000 17.78%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Bank Hapoalim B.M. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 8
2005 12 27.27%
2006 13 15.38%
2007 11 -30%
2008 -3 433.33%
2009 5 175%
2010 8 50%
2011 10 20%
2012 10 -11.11%
2013 10 0%
2014 10 10%
2015 12 9.09%
2016 10 -22.22%
2017 10 10%
2018 10 -11.11%
2019 7 -50%
2020 8 14.29%
2021 18 61.11%
2022 24 25%
2023 25 4%
2023 28 7.41%
2024 9 -200%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Bank Hapoalim B.M. Free Cashflow
Year Free Cashflow Growth
2004 3.348.000.000
2005 3.320.000.000 -0.84%
2006 3.856.000.000 13.9%
2007 2.244.000.000 -71.84%
2008 8.670.000.000 74.12%
2009 3.698.000.000 -134.45%
2010 3.494.000.000 -5.84%
2011 3.097.000.000 -12.82%
2012 12.845.000.000 75.89%
2013 3.666.000.000 -250.38%
2014 1.284.000.000 -185.51%
2015 11.470.000.000 88.81%
2016 18.507.000.000 38.02%
2017 19.086.000.000 3.03%
2018 -1.458.000.000 1409.05%
2019 6.786.000.000 121.49%
2020 2.118.000.000 -220.4%
2021 4.292.000.000 50.65%
2022 -568.000.000 855.63%
2023 407.000.000 239.56%
2023 -1.407.000.000 128.93%
2024 1.255.000.000 212.11%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Bank Hapoalim B.M. Operating Cashflow
Year Operating Cashflow Growth
2004 3.930.000.000
2005 3.988.000.000 1.45%
2006 4.594.000.000 13.19%
2007 2.993.000.000 -53.49%
2008 9.490.000.000 68.46%
2009 4.363.000.000 -117.51%
2010 4.181.000.000 -4.35%
2011 3.770.000.000 -10.9%
2012 13.627.000.000 72.33%
2013 4.490.000.000 -203.5%
2014 1.986.000.000 -126.08%
2015 12.101.000.000 83.59%
2016 19.126.000.000 36.73%
2017 19.748.000.000 3.15%
2018 -775.000.000 2648.13%
2019 7.480.000.000 110.36%
2020 2.800.000.000 -167.14%
2021 5.178.000.000 45.93%
2022 132.000.000 -3822.73%
2023 585.000.000 77.44%
2023 -437.000.000 233.87%
2024 1.490.000.000 129.33%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Bank Hapoalim B.M. Capital Expenditure
Year Capital Expenditure Growth
2004 582.000.000
2005 668.000.000 12.87%
2006 738.000.000 9.49%
2007 749.000.000 1.47%
2008 820.000.000 8.66%
2009 665.000.000 -23.31%
2010 687.000.000 3.2%
2011 673.000.000 -2.08%
2012 782.000.000 13.94%
2013 824.000.000 5.1%
2014 702.000.000 -17.38%
2015 631.000.000 -11.25%
2016 619.000.000 -1.94%
2017 662.000.000 6.5%
2018 683.000.000 3.07%
2019 694.000.000 1.59%
2020 682.000.000 -1.76%
2021 886.000.000 23.02%
2022 700.000.000 -26.57%
2023 178.000.000 -293.26%
2023 970.000.000 81.65%
2024 235.000.000 -312.77%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Bank Hapoalim B.M. Equity
Year Equity Growth
2005 16.784.000.000
2006 18.926.000.000 11.32%
2007 19.720.000.000 4.03%
2008 19.225.000.000 -2.57%
2009 20.948.000.000 8.23%
2010 23.426.000.000 10.58%
2011 24.127.000.000 2.91%
2012 27.057.000.000 10.83%
2013 29.310.000.000 7.69%
2014 31.611.000.000 7.28%
2015 33.219.000.000 4.84%
2016 34.225.000.000 2.94%
2017 36.004.000.000 4.94%
2018 37.656.000.000 4.39%
2019 38.221.000.000 1.48%
2020 39.899.000.000 4.21%
2021 42.747.000.000 6.66%
2022 46.503.000.000 8.08%
2023 52.430.000.000 11.3%
2023 50.252.000.000 -4.33%
2024 55.506.000.000 9.47%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Bank Hapoalim B.M. Assets
Year Assets Growth
2005 280.894.000.000
2006 282.864.000.000 0.7%
2007 302.991.000.000 6.64%
2008 306.847.000.000 1.26%
2009 309.555.000.000 0.87%
2010 320.876.000.000 3.53%
2011 356.688.000.000 10.04%
2012 376.388.000.000 5.23%
2013 380.246.000.000 1.01%
2014 407.794.000.000 6.76%
2015 431.638.000.000 5.52%
2016 448.105.000.000 3.67%
2017 454.424.000.000 1.39%
2018 460.926.000.000 1.41%
2019 463.688.000.000 0.6%
2020 539.602.000.000 14.07%
2021 638.781.000.000 15.53%
2022 665.353.000.000 3.99%
2023 686.530.000.000 3.08%
2023 675.988.000.000 -1.56%
2024 685.140.000.000 1.34%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Bank Hapoalim B.M. Liabilities
Year Liabilities Growth
2005 264.110.000.000
2006 263.938.000.000 -0.07%
2007 283.271.000.000 6.82%
2008 287.622.000.000 1.51%
2009 288.607.000.000 0.34%
2010 297.450.000.000 2.97%
2011 332.561.000.000 10.56%
2012 349.331.000.000 4.8%
2013 350.936.000.000 0.46%
2014 376.183.000.000 6.71%
2015 398.419.000.000 5.58%
2016 413.880.000.000 3.74%
2017 418.420.000.000 1.09%
2018 423.270.000.000 1.15%
2019 425.467.000.000 0.52%
2020 499.703.000.000 14.86%
2021 596.034.000.000 16.16%
2022 618.850.000.000 3.69%
2023 634.100.000.000 2.4%
2023 23.810.000.000 -2563.17%
2024 19.535.000.000 -21.88%

Bank Hapoalim B.M. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
78.68
Net Income per Share
28.43
Price to Earning Ratio
6.31x
Price To Sales Ratio
2.27x
POCF Ratio
-69.92
PFCF Ratio
-28.4
Price to Book Ratio
0.86
EV to Sales
-1.93
EV Over EBITDA
-3.2
EV to Operating CashFlow
59.14
EV to FreeCashFlow
24.15
Earnings Yield
0.16
FreeCashFlow Yield
-0.04
Market Cap
47,72 Bil.
Enterprise Value
-40,57 Bil.
Graham Number
364.32
Graham NetNet
330.02

Income Statement Metrics

Net Income per Share
28.43
Income Quality
-0.09
ROE
0.14
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.62
EBT Per Ebit
1.34
Ebit per Revenue
0.44
Effective Tax Rate
0.37

Margins

Sales, General, & Administrative to Revenue
0.06
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.44
Pretax Profit Margin
0.59
Net Profit Margin
0.37

Dividends

Dividend Yield
0.05
Dividend Yield %
4.56
Payout Ratio
0.29
Dividend Per Share
0.58

Operating Metrics

Operating Cashflow per Share
-2.56
Free CashFlow per Share
-6.28
Capex to Operating CashFlow
-1.45
Capex to Revenue
0.05
Capex to Depreciation
1.35
Return on Invested Capital
0.1
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
3.72

Balance Sheet

Cash per Share
403,04
Book Value per Share
2.488,08
Tangible Book Value per Share
2488.08
Shareholders Equity per Share
207.49
Interest Debt per Share
140.6
Debt to Equity
0.35
Debt to Assets
0.03
Net Debt to EBITDA
-6.96
Current Ratio
0
Tangible Asset Value
665,61 Bil.
Net Current Asset Value
88,29 Bil.
Invested Capital
111529000000
Working Capital
107,82 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.41

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Bank Hapoalim B.M. Dividends
Year Dividends Growth
2011 0
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2021 1 0%
2022 0 0%
2023 1 0%
2024 0 0%
2025 0 0%

Bank Hapoalim B.M. Profile

About Bank Hapoalim B.M.

Bank Hapoalim B.M., together with its subsidiaries, provides various banking and financial products and services in Israel and internationally. It operates through Corporate Banking, Retail Banking, and Financial Markets and International Banking divisions. The company offers account-management services, credit for various purposes, deposits, and savings plans, and capital-market service; securities, and currencies and derivatives trading services; securities custody services; research, consulting, and advisory services; pension advisory and retirement planning services; and housing loans. It also provides credit for routine operations and investment financing, guarantees, letters of credit, foreign trade, and transactions in financial and derivative instruments, as well as investment services in various channels, such as foreign currency, shekels, securities, etc. In addition, the company offers financing for infrastructure projects, foreign trade and international trade financing, and project financing services; foreign trade transactions and transactions in financial derivatives; financing of working capital; syndication; credit-risk sales; financing of construction projects; dealing-room services; federal deposit insurance; and credit cards services. Further, it provides clearing of payment, asset management, investment portfolio management, investment banking, underwriting, and issuance management services. The company serves households, private-banking customers, foreign residents, small businesses, financial-asset managers, middle-market business clients, and large corporations through 175 branches, 601 external and 131 internal automatic teller machines, 126 external and 216 internal check-deposit machines, 30 information stations, 316 self-service stations, and 119 night safes. Bank Hapoalim B.M. was founded in 1921 and is based in Tel Aviv, Israel.

CEO
Mr. Yadin Antebi
Employee
8.243
Address
50 Rothschild Boulevard
Tel Aviv,

Bank Hapoalim B.M. Executives & BODs

Bank Hapoalim B.M. Executives & BODs
# Name Age
1 Mr. Amit Oberkovich
Head of Human Resources & Member of the Management Board
70
2 Mr. Guy Kalif
Chief Accountant & Member of the Board of Management
70
3 Mr. Yadin Antebi
Chief Executive Officer & Member of the Board of Management
70
4 Mr. Barry Elram
Chief Executive Officer of Hapoalim Switzerland
70
5 Mr. Zeev Hayo CPA
Head of Banking Services & Member of the Board of Management
70
6 Ms. Eti Ben-Zeev
Senior Deputy MD, Chief Information Officer, Head of Info. Technology & Member of Management Board
70
7 Ms. Merav Ben Cohen
Chief Risk Officer, Head of Risk Management & Member of the Board of Management
70
8 Dr. Amir Bachar
Chief Internal Auditor, Head of Internal Audit in Israel and Abroad & Member of the Board of Mgmt.
70
9 Attorney Yael Almog
Senior Deputy MD, Chief Legal Advisor & Member of the Board of Management
70
10 Mr. Ram Gev
Senior Deputy MD. Chief Financial Officer & Member of Management Board
70

Bank Hapoalim B.M. Competitors