1. Israel Stocks

  2. •

    Financial Services

  3. •

    Banks - Regional
Israel Discount Bank Limited

Israel Discount Bank Limited

DSCT.TA
Israel Discount Bank LimitedIL flagTel Aviv Stock Exchange
3,063.00
ILA
+45.00
- -
37.48BMarket Cap
Israel Discount Bank Limited
DSCT.TA
(Tel Aviv Stock Exchange)

Recent

price

3,063.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
7.45
7.05
7.12
7.19
6.99
6.88
7
7.13
7.71
8.26
8.48
8.96
10.26
10.7
10.7
10.66
10.55
Revenue per Share
0.69
0.8
0.76
0.83
0.48
0.71
0.84
1.09
1.29
1.46
0.84
2.38
2.87
3.39
3.46
3.36
3.27
Basic EPS, GAAP
-5.95
12.79
-2.89
1.25
0.52
-0.39
1.35
4.56
-0.28
4.43
5.34
2.99
-1.65
0.66
2.75
4.85
-1.59
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
0.1
0.22
0.04
0.12
0.51
0.85
0.93
1.33
1.08
Dividend per Share
- -
6.7
7.47
8.27
8.57
9.25
9.93
10.3
11.45
12.69
13.48
15.74
17.28
19.56
22.09
24.22
24.6
Book Value per Share
11.01
10.31
11.38
11.76
12.19
12.8
13.77
13.75
15.04
16.35
16.81
18.89
20.76
23.51
26.74
28.7
28.97
Tangible Book Value per Share
998
1,054
1,054
1,054
1,054
1,054
1,073
1,157
1,164
1,164
1,164
1,164
1,219
1,237
1,237
1,231
1,232
Basic Weighted Avg Shares
7,427
7,428
7,508
7,581
7,366
7,253
7,508
8,253
8,973
9,609
9,876
10,427
12,508
13,235
13,231
13,124
12,998
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
615
591
600
619
527
512
426
433
424
466
491
538
579
623
719
686
626
Depreciation Expense
690
847
802
874
505
750
905
1,259
1,505
1,702
975
2,773
3,495
4,192
4,281
4,140
4,034
Net Income, GAAP
44.89
12.24
34.97
26.05
34.17
41.5
43.26
36.17
33.83
34.84
36.45
35.04
33.95
36.07
38.54
36.92
36.93
Effective Tax Rate (%)
9.29
11.4
10.68
11.53
6.86
10.34
12.05
15.26
16.77
17.71
9.87
26.59
27.94
31.67
32.36
31.55
31.04
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
12,294
12,239
12,284
11,664
10,638
9,570
8,498
7,639
8,476
13,129
10,981
15,842
13,569
16,699
21,129
26,877
27,282
LT Debt
11,152
11,021
12,134
12,538
12,989
13,634
14,936
16,068
17,669
19,193
19,727
22,148
25,478
29,238
33,085
35,341
35,714
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
23.97
10.74
10.54
5.69
7.99
8.87
11.15
11.92
12.12
6.4
16.3
17.74
18.52
16.62
14.49
13.82
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
1,224
1,223
1,223
Market Capitalization
4,040,450
4,173,733
3,879,519

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
66,135
65,556
53,690
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
10.06%
12.41%
6.82%
Free Cash Flow
-190.68%
9.6%
75.74%
Net Income, GAAP
27.89%
45.84%
-3.29%
Sales/Revenue/Turnover
6.25%
6.1%
-0.81%
Total Cash Common Dividend
- -
128.84%
42.06%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
3,757
3,354
3,485
3,949
13,231
2025
3,249
3,490
3,381
3,004
13,124
2026
3,123
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.85
0.84
0.92
- -
3.46
2025
0.84
0.9
0.92
- -
3.36
2026
0.76
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.15
0.51
0.25
- -
0.93
2025
- -
0.26
0.36
- -
1.33
2026
- -
- -
- -
- -
- -
Similar Companies
1st Source Corporation (SRCE)
SpareBank 1 SMN (SRMGF)
CIMB Group Holdings Berhad (1023.KL)
Laurentian Bank of Canada (LAUCF)
Caribbean Investment Holdings Limited (CIHL.L)
KeyCorp (KEY-PL)
Business
Israel Discount Bank Limited (DSCT.TA) provides a comprehensive range of banking and financial services in Israel, Europe, and North America, including retail banking, commercial banking, private banking, corporate banking, investment banking, asset management, and wealth management. The bank offers personal banking products such as checking accounts, deposits, savings plans, loans, mortgages, credit cards, pension advice, capital market products, consulting services, and tax exemption services; business banking services encompassing credit facilities, securities lending, short- and long-term deposits, over-the-counter financial instruments, foreign exchange products, brokerage, and transaction services; and specialized offerings like digital banking via mobile apps and online platforms, foreign currency services, and trust fund management. It operates through subsidiaries including Mercantile Discount Bank Ltd., a commercial bank focused on small businesses and peripheral regions; Israel Credit Cards Ltd. (CAL), a leading issuer of Visa, MasterCard, and Diners Club cards; Discount Capital, engaged in investment banking, private equity, and securities underwriting; Tafnit Discount Asset Management Ltd., managing portfolios for diverse clients; Discount Trust Ltd.; and international arms such as IDB New York (Discount Bancorp Inc.) with branches in the United States, Latin America, and representative offices abroad. Founded in 1935 and headquartered in Tel Aviv at the Discount Bank Tower, the institution maintains approximately 112 branches across Israel and targets households, small and medium enterprises, large corporations, institutional bodies, and high-net-worth individuals. In recent developments, the bank advanced a strategic realignment in 2025 by classifying its majority-owned subsidiary Israel Credit Cards Ltd. (CAL) as a disposal group held for sale and a discontinued operation, entering the second stage of negotiations with bidding groups to divest the unit and refocus on core banking operations; additionally, in 2024, Gallatin Point Capital acquired a 15% minority stake in Israel Discount Bank of New York for $150 million.