Israel Discount Bank Limited Class A

Israel Discount Bank Limited Class A

3,489.00
ILA
-11.00
(-0.31%)
313.04EPS
8.80P/E
3.61TMarket Cap
Nov 23Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
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
Basic EPS, GAAP
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
3.35
Free Cash Flow per Basic Share
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
0.99
Dividend per Share
- -
- -
- -
- -
- -
0.1
0.22
0.04
0.12
0.51
0.85
0.93
1.33
1.55
Book Value per Share
11.61
11.95
12.61
12.47
13.4
14.73
16.05
16.48
18.46
20.11
23.02
25.6
27.63
28.43
Tangible Book Value per Share
11.47
11.82
12.47
12.33
13.26
14.6
15.91
16.34
18.32
19.98
22.89
25.59
27.62
28.42
Basic Weighted Avg Shares
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
1,229
Sales/Revenue/Turnover
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
12,974
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
619
527
512
426
433
424
466
491
538
579
623
719
686
607
Net Income, GAAP
874
505
750
905
1,259
1,505
1,702
975
2,773
3,495
4,192
4,281
4,140
4,122
Effective Tax Rate (%)
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
38.43
Profit Margin (%)
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
31.77
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
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
27,623
Total Equity
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
36,359
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
3.44
1.93
2.96
3.53
5.09
5.86
5.63
2.99
7.91
8.95
9.96
8.58
7.07
6.72
Return on Common Equity (%)
7.26
4.07
5.79
6.51
8.36
9.19
9.5
5.15
13.64
15.08
15.71
14.26
12.66
12.18

Capital Structure

ILS

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
1,223
1,223
1,224
Market Capitalization
41,378
38,515
36,094

Working Capital

ILS

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
65,556
53,690
49,125
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

ILS

•

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

ILS

•

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
3,466
- -
- -
- -

Quarterly Earnings Per Share

ILS

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.85
0.84
0.92
0.85
3.46
2025
0.84
0.9
0.92
0.7
3.36
2026
0.76
0.98
- -
- -
- -

Quarterly Dividends Per Share

ILS

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.15
0.51
0.25
0.28
0.93
2025
- -
0.51
0.36
0.46
1.33
2026
- -
0.73
- -
- -
- -

Company Description

CEO
Avi Levi
Full Time Employees
7,348
Sector
Finance
Industry
Major banks
Address
1 Discount Street Rishon Le-Zion TA Israel 6513601
IPO Date
Mar 21, 1935
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.

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