Israel Discount Bank Limited Logo

Israel Discount Bank Limited

DSCT.TA

(3.5)
Stock Price

2.280,00 ILA

0.96% ROA

13.23% ROE

6.54x PER

Market Cap.

25.061.822.600,00 ILA

59.94% DER

3.73% Yield

25.38% NPM

Israel Discount Bank Limited Stock Analysis

Israel Discount Bank Limited 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.

Israel Discount Bank Limited Fundamental Stock Analysis
# Analysis Rating
1 ROE

The stock's ROE exceeds expectations (16.8%), revealing strong profitability and efficient use of shareholders' equity, making it an attractive investment opportunity.

2 PBV

The stock's low PBV ratio (0.85x) suggests it's undervalued, making it an attractive opportunity for investors.

3 Revenue Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

4 Assets Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

5 Dividend

The company's consistent dividend distribution over the past five years reflects its dedication to providing shareholders with steady returns, making it an appealing choice for investors seeking income stability.

6 ROA

The stock's ROA (1.09%) 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 DER

The stock has a reasonable amount of debt compared to its ownership (61%), suggesting a balanced financial position and a moderate level of risk.

8 Net Profit Growth

Throughout the last three years, this company has experienced consistent net profit growth, reflecting a robust financial performance and making it an attractive investment prospect.

9 Dividend Growth

The company's dividend growth has shown a positive trajectory over the past three years, consistently increasing year after year, indicating a favorable trend for potential investors.

10 Graham Number

The Graham number analysis indicates that this company's stock price is likely overpriced, raising concerns about its investment potential.

11 Buffet Intrinsic Value

The company's stock shows signs of being overvalued (95) according to Warren Buffett's formula, indicating a potential downside as its market price exceeds its estimated intrinsic value.

Israel Discount Bank Limited 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.

Israel Discount Bank Limited Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Hold

Israel Discount Bank Limited 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.

Israel Discount Bank Limited Revenue
Year Revenue Growth
2002 4.622.000.000
2003 5.079.000.000 9%
2004 5.704.000.000 10.96%
2005 6.098.000.000 6.46%
2006 6.149.000.000 0.83%
2007 6.876.000.000 10.57%
2008 6.700.000.000 -2.63%
2009 7.848.000.000 14.63%
2010 7.491.000.000 -4.77%
2011 7.475.000.000 -0.21%
2012 7.508.000.000 0.44%
2013 7.581.000.000 0.96%
2014 7.366.000.000 -2.92%
2015 7.255.000.000 -1.53%
2016 7.549.000.000 3.89%
2017 8.294.000.000 8.98%
2018 8.973.000.000 7.57%
2019 9.609.000.000 6.62%
2020 9.876.000.000 2.7%
2021 10.427.000.000 5.28%
2022 12.508.000.000 16.64%
2023 15.772.000.000 20.69%
2023 15.659.000.000 -0.72%
2024 16.092.000.000 2.69%

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.

Israel Discount Bank Limited Research and Development Expenses
Year Research and Development Expenses Growth
2002 0
2003 0 0%
2004 0 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.

Israel Discount Bank Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
2002 2.182.000.000
2003 2.303.000.000 5.25%
2004 2.932.000.000 21.45%
2005 3.427.000.000 14.44%
2006 3.723.000.000 7.95%
2007 3.030.000.000 -22.87%
2008 3.106.000.000 2.45%
2009 3.175.000.000 2.17%
2010 3.190.000.000 0.47%
2011 3.459.000.000 7.78%
2012 489.000.000 -607.36%
2013 406.000.000 -20.44%
2014 439.000.000 7.52%
2015 438.000.000 -0.23%
2016 474.000.000 7.59%
2017 448.000.000 -5.8%
2018 527.000.000 14.99%
2019 525.000.000 -0.38%
2020 573.000.000 8.38%
2021 633.000.000 9.48%
2022 692.000.000 8.53%
2023 0 0%
2023 282.000.000 100%
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.

Israel Discount Bank Limited EBITDA
Year EBITDA Growth
2002 768.000.000
2003 792.000.000 3.03%
2004 1.157.000.000 31.55%
2005 1.068.000.000 -8.33%
2006 1.876.000.000 43.07%
2007 2.213.000.000 15.23%
2008 865.000.000 -155.84%
2009 1.947.000.000 55.57%
2010 1.783.000.000 -9.2%
2011 1.548.000.000 -15.18%
2012 1.812.000.000 14.57%
2013 1.798.000.000 -0.78%
2014 1.499.000.000 -19.95%
2015 1.830.000.000 18.09%
2016 2.084.000.000 12.19%
2017 2.439.000.000 14.56%
2018 2.718.000.000 10.26%
2019 3.100.000.000 12.32%
2020 2.015.000.000 -53.85%
2021 4.827.000.000 58.26%
2022 5.880.000.000 17.91%
2023 5.772.000.000 -1.87%
2023 7.131.000.000 19.06%
2024 7.436.000.000 4.1%

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.

Israel Discount Bank Limited Gross Profit
Year Gross Profit Growth
2002 4.622.000.000
2003 5.079.000.000 9%
2004 5.704.000.000 10.96%
2005 6.098.000.000 6.46%
2006 6.149.000.000 0.83%
2007 6.876.000.000 10.57%
2008 6.700.000.000 -2.63%
2009 7.848.000.000 14.63%
2010 7.491.000.000 -4.77%
2011 7.475.000.000 -0.21%
2012 7.508.000.000 0.44%
2013 7.581.000.000 0.96%
2014 7.366.000.000 -2.92%
2015 7.255.000.000 -1.53%
2016 7.549.000.000 3.89%
2017 8.294.000.000 8.98%
2018 8.973.000.000 7.57%
2019 9.609.000.000 6.62%
2020 9.876.000.000 2.7%
2021 10.427.000.000 5.28%
2022 12.508.000.000 16.64%
2023 15.772.000.000 20.69%
2023 15.659.000.000 -0.72%
2024 16.092.000.000 2.69%

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.

Israel Discount Bank Limited Net Profit
Year Net Profit Growth
2002 -38.000.000
2003 154.000.000 124.68%
2004 556.000.000 72.3%
2005 458.000.000 -21.4%
2006 836.000.000 45.22%
2007 1.265.000.000 33.91%
2008 245.000.000 -416.33%
2009 923.000.000 73.46%
2010 724.000.000 -27.49%
2011 852.000.000 15.02%
2012 802.000.000 -6.23%
2013 874.000.000 8.24%
2014 596.000.000 -46.64%
2015 750.000.000 20.53%
2016 905.000.000 17.13%
2017 1.259.000.000 28.12%
2018 1.505.000.000 16.35%
2019 1.702.000.000 11.57%
2020 975.000.000 -74.56%
2021 2.773.000.000 64.84%
2022 3.495.000.000 20.66%
2023 3.268.000.000 -6.95%
2023 4.192.000.000 22.04%
2024 4.180.000.000 -0.29%

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.

Israel Discount Bank Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2002 0
2003 0 0%
2004 1 0%
2005 0 0%
2006 1 0%
2007 1 100%
2008 0 0%
2009 1 0%
2010 1 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 100%
2018 1 0%
2019 1 0%
2020 1 0%
2021 2 100%
2022 3 0%
2023 3 0%
2023 3 33.33%
2024 3 0%

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.

Israel Discount Bank Limited Free Cashflow
Year Free Cashflow Growth
2003 379.000.000
2004 3.206.000.000 88.18%
2005 686.000.000 -367.35%
2007 5.283.000.000 87.01%
2008 2.967.000.000 -78.06%
2009 2.623.000.000 -13.11%
2010 3.938.000.000 33.39%
2011 1.072.000.000 -267.35%
2012 -2.995.000.000 135.79%
2013 1.315.000.000 327.76%
2014 -382.000.000 444.24%
2015 -1.567.000.000 75.62%
2016 4.891.000.000 132.04%
2017 -3.453.000.000 241.64%
2018 49.000.000 7146.94%
2019 4.866.000.000 98.99%
2020 6.217.000.000 21.73%
2021 3.480.000.000 -78.65%
2022 -2.010.000.000 273.13%
2023 819.000.000 345.42%
2023 665.000.000 -23.16%
2024 -389.000.000 270.95%

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.

Israel Discount Bank Limited Operating Cashflow
Year Operating Cashflow Growth
2003 907.000.000
2004 3.581.000.000 74.67%
2005 1.271.000.000 -181.75%
2007 5.848.000.000 78.27%
2008 3.657.000.000 -59.91%
2009 3.249.000.000 -12.56%
2010 4.447.000.000 26.94%
2011 1.592.000.000 -179.33%
2012 -2.497.000.000 163.76%
2013 1.711.000.000 245.94%
2014 -23.000.000 7539.13%
2015 -1.172.000.000 98.04%
2016 5.424.000.000 121.61%
2017 -2.932.000.000 284.99%
2018 522.000.000 661.69%
2019 5.458.000.000 90.44%
2020 7.133.000.000 23.48%
2021 4.457.000.000 -60.04%
2022 -946.000.000 571.14%
2023 2.013.000.000 146.99%
2023 1.006.000.000 -100.1%
2024 -193.000.000 621.24%

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.

Israel Discount Bank Limited Capital Expenditure
Year Capital Expenditure Growth
2003 528.000.000
2004 375.000.000 -40.8%
2005 585.000.000 35.9%
2007 565.000.000 -3.54%
2008 690.000.000 18.12%
2009 626.000.000 -10.22%
2010 509.000.000 -22.99%
2011 520.000.000 2.12%
2012 498.000.000 -4.42%
2013 396.000.000 -25.76%
2014 359.000.000 -10.31%
2015 395.000.000 9.11%
2016 533.000.000 25.89%
2017 521.000.000 -2.3%
2018 473.000.000 -10.15%
2019 592.000.000 20.1%
2020 916.000.000 35.37%
2021 977.000.000 6.24%
2022 1.064.000.000 8.18%
2023 1.194.000.000 10.89%
2023 341.000.000 -250.15%
2024 196.000.000 -73.98%

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.

Israel Discount Bank Limited Equity
Year Equity Growth
2004 6.835.000.000
2005 7.185.000.000 4.87%
2006 8.367.000.000 14.13%
2008 9.023.000.000 7.27%
2009 10.292.000.000 12.33%
2010 11.569.000.000 11.04%
2011 11.115.000.000 -4.08%
2012 12.134.000.000 8.4%
2013 12.538.000.000 3.22%
2014 13.641.000.000 8.09%
2015 13.634.000.000 -0.05%
2016 14.936.000.000 8.72%
2017 16.068.000.000 7.05%
2018 17.669.000.000 9.06%
2019 19.193.000.000 7.94%
2020 19.727.000.000 2.71%
2021 22.148.000.000 10.93%
2022 25.478.000.000 13.07%
2023 29.238.000.000 12.86%
2023 28.391.000.000 -2.98%
2024 31.134.000.000 8.81%

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.

Israel Discount Bank Limited Assets
Year Assets Growth
2004 142.510.000.000
2005 154.798.000.000 7.94%
2006 162.538.000.000 4.76%
2008 181.831.000.000 10.61%
2009 187.817.000.000 3.19%
2010 185.814.000.000 -1.08%
2011 202.491.000.000 8.24%
2012 200.880.000.000 -0.8%
2013 200.507.000.000 -0.19%
2014 206.946.000.000 3.11%
2015 205.260.000.000 -0.82%
2016 219.577.000.000 6.52%
2017 221.221.000.000 0.74%
2018 239.176.000.000 7.51%
2019 259.823.000.000 7.95%
2020 293.969.000.000 11.62%
2021 335.088.000.000 12.27%
2022 376.754.000.000 11.06%
2023 395.724.000.000 4.79%
2023 399.202.000.000 0.87%
2024 401.292.000.000 0.52%

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.

Israel Discount Bank Limited Liabilities
Year Liabilities Growth
2004 4.809.000.000
2005 5.342.000.000 9.98%
2006 6.302.000.000 15.23%
2008 9.373.000.000 32.76%
2009 11.529.000.000 18.7%
2010 12.294.000.000 6.22%
2011 12.239.000.000 -0.45%
2012 188.746.000.000 93.52%
2013 187.969.000.000 -0.41%
2014 193.305.000.000 2.76%
2015 191.626.000.000 -0.88%
2016 204.641.000.000 6.36%
2017 205.153.000.000 0.25%
2018 8.476.000.000 -2320.4%
2019 13.129.000.000 35.44%
2020 10.981.000.000 -19.56%
2021 15.842.000.000 30.68%
2022 13.569.000.000 -16.75%
2023 16.699.000.000 18.74%
2023 16.225.000.000 -2.92%
2024 18.177.000.000 10.74%

Israel Discount Bank Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
12.2
Net Income per Share
3.1
Price to Earning Ratio
6.54x
Price To Sales Ratio
1.66x
POCF Ratio
3.57
PFCF Ratio
4.07
Price to Book Ratio
0.83
EV to Sales
-0.21
EV Over EBITDA
-0.47
EV to Operating CashFlow
-0.45
EV to FreeCashFlow
-0.51
Earnings Yield
0.15
FreeCashFlow Yield
0.25
Market Cap
25,06 Bil.
Enterprise Value
-3,17 Bil.
Graham Number
41.33
Graham NetNet
22.82

Income Statement Metrics

Net Income per Share
3.1
Income Quality
1.82
ROE
0.13
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.63
EBT Per Ebit
1
Ebit per Revenue
0.4
Effective Tax Rate
0.36

Margins

Sales, General, & Administrative to Revenue
0.09
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.4
Pretax Profit Margin
0.4
Net Profit Margin
0.25

Dividends

Dividend Yield
0.04
Dividend Yield %
3.73
Payout Ratio
0.26
Dividend Per Share
0.76

Operating Metrics

Operating Cashflow per Share
5.68
Free CashFlow per Share
4.98
Capex to Operating CashFlow
0.12
Capex to Revenue
0.06
Capex to Depreciation
1.31
Return on Invested Capital
0.08
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
0.7

Balance Sheet

Cash per Share
37,51
Book Value per Share
309,71
Tangible Book Value per Share
309.58
Shareholders Equity per Share
24.51
Interest Debt per Share
23.45
Debt to Equity
0.6
Debt to Assets
0.05
Net Debt to EBITDA
-4.21
Current Ratio
0
Tangible Asset Value
382,95 Bil.
Net Current Asset Value
28,23 Bil.
Invested Capital
51162000000
Working Capital
46,40 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.73

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.

Israel Discount Bank Limited Dividends
Year Dividends Growth
2008 8
2018 10 20%
2019 22 52.38%
2020 4 -425%
2021 12 66.67%
2022 50 76%
2023 85 40.48%
2024 66 -29.23%

Israel Discount Bank Limited Profile

About Israel Discount Bank Limited

Israel Discount Bank Limited, together with its subsidiaries, provides various banking and financial services in Israel, Europe, and North America. The company operates through Retail Banking, Middle Market Banking, Corporate Banking, Financial Operations, Discount Capital, Discount Bancorp, Israel Credit Cards Company, and Other segments. Its personal banking services include checking accounts, deposits and savings products, loans and credit facilities, mortgages, credit cards, capital market products, consulting services, family banking programs, and tax exemption services. The company also provides accounts, credit, funds, credit cards, and loans for small businesses; commercial business products for factories, workshops, service providers, and merchants; corporate, residential and commercial construction, infrastructure, and rental property financing; and personal consulting services for corporations and executives in various fields of investment, inliquidity, and asset management; brokerage and trading services; customized services for diamond traders; and capital market consulting, including foreign trade, documentary collection and credit, foreign guarantee, export financing, online foreign trade, anti money laundering, and mutual fund services. In addition, it offers tools for capital market transactions; provides Israeli private banking, foreign currency, commercial payment, securities custody and execution, capital market advisory, international banking, portfolio management, and online and digital banking services; manages securities investment portfolios for private customers, corporations, not-for-profit organizations, and institutional bodies; and initiates and assists public offerings and private placements, as well as provides underwriting and distribution services. The company operates through a chain of 171 branches in Israel. Israel Discount Bank Limited was incorporated in 1935 and is based in Tel Aviv, Israel.

CEO
Mr. Avraham Levi
Employee
8.404
Address
Discount Bank Tower
Tel Aviv, 6513601

Israel Discount Bank Limited Executives & BODs

Israel Discount Bank Limited Executives & BODs
# Name Age
1 Mr. Joseph Beressi CPA
Senior Executive Vice President, Treasurer, Chief Accountant & Head of Group Accounting Division
70
2 Mr. Assaf Pasternak
Executive Vice President and Head of Strategy & Finance Division
70
3 Mr. Sagy Aseraf
EVice President, Head of International Private Banking & Regional Manager of Florida-IDB New York
70
4 Hadar Brin Weiss
Executive Vice President, General Legal Counsel & Head of Legal Division
70
5 Ms. Hila Eran Zick
Senior Executive Vice President & Head of Corporate Division
70
6 Efrat Keinan CPA
Executive Vice President and Head of Operations & Properties Division
70
7 Mr. Gad Barlev
Head of Investor Relations
70
8 Mr. Assaf Eldar
Executive Vice President & Head of Banking Division
70
9 Mr. Avraham Levi
Chief Executive Officer
70
10 Mr. Adi Kaplan
Executive Vice President & Head of Technologies Division
70

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