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Israel Discount Bank Limited

Israel Discount Bank Limited

ISDAF
Israel Discount Bank LimitedUS flagOther OTC
11.25
USD
-0.05
- -
13.76BMarket Cap
Israel Discount Bank Limited
ISDAF
(Other OTC)

Recent

price

11.25

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
27,196
26,150
25,789

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
- -
- -
- -
- -
- -
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Business
Israel Discount Bank Limited (ISDAF) is a major Israeli banking institution that provides a comprehensive range of retail, commercial, private, and corporate banking services; credit cards; mortgage and consumer loans; deposits and savings products; foreign exchange; investment banking; asset and wealth management; pension advice; securities; private equity; factoring; finance and insurance; and digital banking solutions including mobile apps and online platforms. Founded in 1935 and headquartered at 23 Yehuda Halevi Street in Tel Aviv, Israel, the bank operates 112 branches across Israel, with additional international presence through subsidiaries such as Mercantile Discount Bank Ltd., Israel Credit Cards Ltd. (CAL, 71.8% owned), Discount Capital Markets, Tafnit Discount Asset Management Ltd., Discount Trust Ltd., and Discount Bancorp Inc., which oversees IDB New York branches in the United States, Latin America representative offices, and a Swiss subsidiary focused on commercial and private banking for businesses and high-net-worth individuals. Recent strategic developments include the divestment process of its CAL credit card operations, classified as a discontinued operation in Q2 2025 financials amid negotiations with bidding groups to refocus on core banking; implementation of a new collective labor agreement enhancing managerial flexibility and targeting annual cost savings of 65 million shekels; sale of a 15% minority stake in Discount Bancorp Inc. (parent of IDB New York) to Gallatin Point Capital LLC for $150 million in 2024, pending regulatory approvals; robust credit portfolio growth to 281 billion shekels in Q2 2025, driven by corporate segments; and record net income of 4.3 billion shekels for 2024, alongside ongoing digital innovations like the AI assistant Didi and Business+ mobile app.

Company News

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  • seekingalpha.com

    Israel Discount Bank Limited (ISDAY) Q4 2025 Earnings Call Transcript