Bank Hapoalim B.M. Logo

Bank Hapoalim B.M.

POLI.TA

(3.2)
Stock Price

4.039,00 ILA

1.11% ROA

14.33% ROE

6.52x PER

Market Cap.

49.235.900.000,00 ILA

35.19% DER

4.26% Yield

36.13% 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

The stock's ROE exceeds expectations (15.8%), revealing strong profitability and efficient use of shareholders' equity, making it an attractive investment opportunity.

2 PBV

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

3 DER

The stock has a minimal amount of debt (50%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

4 Net Profit Growth

The net profit of this company has steadily increased over the last five years, showcasing a favorable financial performance and making it an enticing option for investors seeking growth potential.

5 Assets Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

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

With a track record of continuous revenue growth in the last three years, this company offers a promising investment opportunity

8 Dividend

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

9 Graham Number

Based on the Graham number, this company's stock price appears to be higher than its intrinsic value, signaling a potentially unfavorable investment choice.

10 Dividend Growth

The company's dividend growth has remained flat for the past three years, offering no indication of improved returns and making it a less advantageous investment opportunity.

11 Buffet Intrinsic Value

The company's stock presents a potential concern as it appears overvalued (128) by Warren Buffett's formula, indicating that its market price exceeds its estimated intrinsic value.

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 0 0%
2012 843.000.000 100%
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 1.316.000.000 168.01%
2010 2.228.000.000 40.93%
2011 2.746.000.000 18.86%
2012 2.543.000.000 -7.98%
2013 2.580.000.000 1.43%
2014 2.740.000.000 5.84%
2015 3.082.000.000 11.1%
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 2
2005 2 50%
2006 3 0%
2007 2 0%
2008 -1 0%
2009 1 0%
2010 2 100%
2011 2 50%
2012 2 -100%
2013 2 0%
2014 2 50%
2015 2 0%
2016 2 -100%
2017 2 50%
2018 2 -100%
2019 1 0%
2020 2 0%
2021 4 66.67%
2022 5 25%
2023 5 20%
2023 6 0%
2024 7 16.67%

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 -1.407.000.000 59.63%
2023 407.000.000 445.7%
2024 1.255.000.000 67.57%

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 -437.000.000 130.21%
2023 585.000.000 174.7%
2024 1.490.000.000 60.74%

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 970.000.000 27.84%
2023 178.000.000 -444.94%
2024 235.000.000 24.26%

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 21.361.000.000
2006 18.384.000.000 -16.19%
2007 18.812.000.000 2.28%
2008 20.818.000.000 9.64%
2009 23.112.000.000 9.93%
2010 27.608.000.000 16.29%
2011 32.933.000.000 16.17%
2012 349.331.000.000 90.57%
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 30.024.000.000 -1293.62%
2019 425.467.000.000 92.94%
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
15.71
Net Income per Share
5.68
Price to Earning Ratio
6.52x
Price To Sales Ratio
2.34x
POCF Ratio
-72.28
PFCF Ratio
-29.31
Price to Book Ratio
0.89
EV to Sales
-1.86
EV Over EBITDA
-3.08
EV to Operating CashFlow
56.92
EV to FreeCashFlow
23.24
Earnings Yield
0.15
FreeCashFlow Yield
-0.03
Market Cap
49,24 Bil.
Enterprise Value
-39,05 Bil.
Graham Number
72.73
Graham NetNet
65.88

Income Statement Metrics

Net Income per Share
5.68
Income Quality
-0.09
ROE
0.14
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.64
EBT Per Ebit
1
Ebit per Revenue
0.57
Effective Tax Rate
0.36

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
0.57
Pretax Profit Margin
0.57
Net Profit Margin
0.36

Dividends

Dividend Yield
0.04
Dividend Yield %
4.26
Payout Ratio
0.29
Dividend Per Share
1.57

Operating Metrics

Operating Cashflow per Share
-0.51
Free CashFlow per Share
-1.25
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
0.74

Balance Sheet

Cash per Share
80,46
Book Value per Share
496,68
Tangible Book Value per Share
496.68
Shareholders Equity per Share
41.42
Interest Debt per Share
28.07
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
0.4

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
2003 38
2004 97 60.82%
2005 131 25.95%
2006 144 9.03%
2007 127 -13.39%
2011 20 -535%
2013 21 4.76%
2014 34 36.36%
2015 43 21.43%
2016 51 17.65%
2017 372 86.25%
2018 37 -902.7%
2019 75 50%
2021 111 32.73%
2022 70 -57.14%
2023 182 61.33%
2024 132 -37.12%

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. Ram Gev
Senior Deputy MD. Chief Financial Officer & Member of Management Board
70
2 Attorney Yael Almog
Senior Deputy MD, Chief Legal Advisor & Member of the Board of Management
70
3 Mr. Zeev Hayo CPA
Head of Banking Services & Member of the Board of Management
70
4 Mr. Barry Elram
Chief Executive Officer of Hapoalim Switzerland
70
5 Mr. Yadin Antebi
Chief Executive Officer & Member of the Board of Management
70
6 Mr. Amit Oberkovich
Head of Human Resources & Member of the Management Board
70
7 Mr. Guy Kalif
Chief Accountant & 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 Ms. Eti Ben-Zeev
Senior Deputy MD, Chief Information Officer, Head of Info. Technology & Member of Management Board
70
10 Ms. Dalit Tova Raviv
Senior Deputy MD, Head of Retail Banking & Member of Management Board
70

Bank Hapoalim B.M. Competitors