Bank Leumi Le-Israel B.M.

Bank Leumi Le-Israel B.M.

LUMI.TA
Bank Leumi Le-Israel B.M.IL flagTel Aviv Stock Exchange
6,820.00
ILA
+45.00
- -
100.36BMarket Cap
Bank Leumi Le-Israel B.M.
LUMI.TA
(Tel Aviv Stock Exchange)

Recent

price

6,820.00

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
7.82
7.55
8.08
8.51
8.28
8.62
8.31
8.44
8.77
9.04
8.91
10.66
11.47
13.68
14.55
14.94
15
Revenue per Share
1.58
1.28
0.63
1.35
0.96
1.92
1.85
2.08
2.15
2.37
1.44
4.15
5.14
4.58
6.46
6.86
6.84
Basic EPS, GAAP
-8.08
5.36
7.16
1.75
0.9
13.28
4.17
4.04
0.77
7.99
3.41
3.2
3.55
-0.63
9.43
7
5.77
Free Cash Flow per Basic Share
0.34
0.61
- -
- -
- -
- -
- -
0.41
0.9
0.93
0.2
1.37
1.11
1.36
1.69
2.62
3.01
Dividend per Share
15.01
15.25
15.85
16.99
17.8
19.71
21.09
22.62
23.99
25.89
27.63
30.46
33.26
35.71
40.91
45.7
46.55
Book Value per Share
15.99
15.91
16.99
17.9
17.71
19.74
20.96
22.02
23.89
24.16
26.16
28.93
32.95
35.5
40.66
45.55
46.18
Tangible Book Value per Share
1,474
1,474
1,474
1,474
1,474
1,474
1,512
1,523
1,513
1,484
1,456
1,453
1,500
1,535
1,516
1,496
1,491
Basic Weighted Avg Shares
11,525
11,130
11,911
12,547
12,195
12,699
12,571
12,856
13,266
13,412
12,974
15,493
17,213
21,001
22,068
22,344
22,376
Sales/Revenue/Turnover
27.71
- -
15.5
29.27
22.57
34.49
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
718
709
798
842
660
700
663
662
572
600
678
694
598
675
613
548
538
Depreciation Expense
2,334
1,891
922
1,988
1,413
2,835
2,791
3,172
3,257
3,522
2,102
6,028
7,709
7,027
9,798
10,262
10,205
Net Income, GAAP
38.85
18.94
43.81
37.27
48.03
38.61
38.33
35.24
33.01
33.86
38.84
35.44
32.71
33.51
35
36.39
37.97
Effective Tax Rate (%)
20.25
16.99
7.74
15.84
11.59
22.32
22.2
24.67
24.55
26.26
16.2
38.91
44.79
33.46
44.4
45.93
45.61
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
26,939
29,999
27,525
25,441
23,678
21,308
22,640
15,577
17,798
19,958
17,234
16,230
28,372
32,764
32,540
44,796
52,440
LT Debt
23,611
23,628
25,228
26,469
26,138
29,107
31,714
33,553
36,161
35,874
38,095
42,052
49,443
54,502
61,663
68,135
68,872
Total Equity
7.73
- -
1.95
4.4
2.81
5.37
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
21.1
8.48
4.02
8.22
5.51
10.26
9.16
9.56
9.21
9.43
5.35
14.27
16.37
13.42
16.77
15.74
15.33
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
1,490
1,484
1,479
Market Capitalization
9,776,768
10,500,087
10,408,087

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
138,307
154,647
132,426
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
8.98%
12.37%
10.5%
Free Cash Flow
-101.19%
-343.45%
-26.82%
Net Income, GAAP
23.26%
50%
4.74%
Sales/Revenue/Turnover
6.11%
11.77%
1.25%
Total Cash Common Dividend
- -
131.39%
52.74%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
6,295
5,743
5,523
4,507
22,068
2025
5,380
5,986
5,866
5,112
22,344
2026
5,412
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.83
1.49
1.51
- -
6.46
2025
1.6
1.74
1.81
1.71
6.86
2026
1.58
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
0.79
0.45
- -
1.69
2025
0.47
0.48
0.66
1.02
2.62
2026
0.86
- -
- -
- -
- -
Business
Bank Leumi le-Israel B.M. (TASE: LUMI) operates as Israel's largest bank, providing comprehensive retail, corporate, commercial, private, and international banking services to households, small and medium enterprises, large corporations, high-tech companies, and institutional clients. Core offerings encompass demand, fixed, and savings deposits; housing, collateral, and mortgage loans including digital mortgage services; credit cards, pension savings, provident and mutual funds; securities brokerage, trade finance, capital markets access, investment advisory, asset management, and payment solutions; foreign currency and derivatives trading such as forwards, options, interest rate and inflation products; letters of credit, cash and treasury management, documentary collection, online and mobile banking via platforms like Pepper; as well as specialized financing for property, hotels, asset-based lending, national infrastructure, construction, real estate, and LeumiTech services for the tech sector. The bank maintains a network of approximately 200 branches and service centers primarily in Israel, with international operations through subsidiaries and representative offices in the United Kingdom, Romania, Switzerland, Luxembourg, Canada, Uruguay, and others. Founded in 1902 and headquartered in Tel Aviv-Yafo, Israel, it serves diverse segments including households, private banking, small and micro businesses, mid-sized businesses, corporate entities with turnover exceeding NIS 250 million, and institutional bodies like provident, pension, and insurance funds. Recent developments include appointing market makers for its shares and listed equity options as the first Israeli bank under the Tel Aviv Stock Exchange program to enhance derivatives market accessibility in 2025; concluding Q3 2025 with net income of NIS 2.7 billion and ROE of 16.3%, alongside a NIS 2 billion total dividend payout representing 75% of net income; reporting 40% net income growth to NIS 9.8 billion for full-year 2024 with capital returns of NIS 4 billion; launching its inaugural $500 million Green Bond in 2023; and strategic partnerships such as with the European Investment Bank for EUR 500 million in green financing for Israeli SMEs and with Macquarie Capital for cross-border M&A and ECM activities.