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Israel Discount Bank Limited ISDAF

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Price alert · ISDAF

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10.53 USD 0.00 0.00%

At close · Oct 30

Day range unavailable

6.65 52-week range 11.30
YTD
+58.27%
1 year
+58.27%
Open
—
Prev close
10.53
Mkt cap
12.88B
Vol
0
Avg vol
0
EPS
0.98
P/E
10.74
More statistics
Low
—
High
—
Earnings
Aug 17, 2026

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Financial health

Altman Z-Score

0.33 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 3
  • Return on Equity 3
  • Return on Assets 2
  • Debt / Equity 2
  • P/E 4
  • P/B 5

Valuation

P/E 6.3×
FY 2016: 10.7×FY 2017: 9.4×FY 2018: 8.2×FY 2019: 9.7×FY 2020: 13.0×FY 2021: 5.9×FY 2022: 6.6×FY 2023: 5.5×FY 2024: 5.3×FY 2025: 6.3×
FY 2016 5y median 5.9× FY 2025
P/S 0.3×
FY 2016: 1.1×FY 2017: 1.2×FY 2018: 1.2×FY 2019: 1.5×FY 2020: 1.2×FY 2021: 1.6×FY 2022: 1.9×FY 2023: 0.9×FY 2024: 0.9×FY 2025: 0.3×
FY 2016 5y median 0.9× FY 2025
P/B 0.2×
FY 2016: 0.7×FY 2017: 0.8×FY 2018: 0.7×FY 2019: 0.9×FY 2020: 0.7×FY 2021: 0.8×FY 2022: 0.9×FY 2023: 0.8×FY 2024: 0.7×FY 2025: 0.2×
FY 2016 5y median 0.8× FY 2025
P/FCF 0.7×
FY 2016: 6.6×FY 2017: 2.2×FY 2018: -37.5×FY 2019: 3.2×FY 2020: 2.0×FY 2021: 4.7×FY 2022: -11.6×FY 2023: 28.0×FY 2024: 7.0×FY 2025: 0.7×
FY 2016 5y median 4.7× FY 2025
EV/EBITDA -0.9×
FY 2016: -3.7×FY 2017: -2.8×FY 2018: -0.6×FY 2019: 1.0×FY 2020: -9.7×FY 2021: -5.7×FY 2022: -4.9×FY 2023: -1.4×FY 2024: -2.3×FY 2025: -0.9×
FY 2016 5y median -2.3× FY 2025
EV/Sales -0.2×
FY 2016: -0.9×FY 2017: -0.7×FY 2018: -0.1×FY 2019: 0.3×FY 2020: -1.8×FY 2021: -2.6×FY 2022: -2.3×FY 2023: -0.4×FY 2024: -0.6×FY 2025: -0.2×
FY 2016 5y median -0.6× FY 2025
FCF Yield 135.4%
FY 2016: 15.1%FY 2017: 44.6%FY 2018: -2.7%FY 2019: 31.2%FY 2020: 48.9%FY 2021: 21.2%FY 2022: -8.6%FY 2023: 3.6%FY 2024: 14.4%FY 2025: 135.4%
FY 2016 5y median 14.4% FY 2025

Profitability

Gross Margin 49.9%
FY 2016: 81.8%FY 2017: 87.0%FY 2018: 85.5%FY 2019: 85.2%FY 2020: 90.1%FY 2021: 100.0%FY 2022: 100.0%FY 2023: 61.6%FY 2024: 58.5%FY 2025: 49.9%
FY 2016 5y median 61.6% FY 2025
Operating Margin 25.1%
FY 2016: 19.9%FY 2017: 21.8%FY 2018: 22.2%FY 2019: 23.7%FY 2020: 13.7%FY 2021: 34.2%FY 2022: 42.4%FY 2023: 26.0%FY 2024: 25.5%FY 2025: 25.1%
FY 2016 5y median 26.0% FY 2025
Net Margin 16.4%
FY 2016: 10.5%FY 2017: 13.3%FY 2018: 14.3%FY 2019: 15.1%FY 2020: 8.9%FY 2021: 26.6%FY 2022: 27.9%FY 2023: 16.5%FY 2024: 15.7%FY 2025: 16.4%
FY 2016 5y median 16.5% FY 2025
ROE 12.2%
FY 2016: 6.2%FY 2017: 8.1%FY 2018: 8.8%FY 2019: 9.1%FY 2020: 5.1%FY 2021: 12.9%FY 2022: 14.0%FY 2023: 14.7%FY 2024: 13.6%FY 2025: 12.2%
FY 2016 5y median 13.6% FY 2025
ROIC 0.8%
FY 2016: 2.7%FY 2017: 3.8%FY 2018: 3.6%FY 2019: 3.4%FY 2020: 1.8%FY 2021: 3.8%FY 2022: 5.1%FY 2023: 4.9%FY 2024: 4.5%FY 2025: 0.8%
FY 2016 5y median 4.5% FY 2025
ROA 0.9%
FY 2016: 0.4%FY 2017: 0.6%FY 2018: 0.6%FY 2019: 0.7%FY 2020: 0.3%FY 2021: 0.8%FY 2022: 0.9%FY 2023: 1.1%FY 2024: 1.0%FY 2025: 0.9%
FY 2016 5y median 0.9% FY 2025

Growth (YoY)

Revenue -7.7%
FY 2016: 3.8%FY 2017: 10.2%FY 2018: 10.6%FY 2019: 7.5%FY 2020: -2.8%FY 2021: -4.9%FY 2022: 20.0%FY 2023: 103.3%FY 2024: 7.2%FY 2025: -7.7%
FY 2016 FY 2025
Operating Income -9.0%
FY 2016: 25.6%FY 2017: 20.5%FY 2018: 12.9%FY 2019: 14.7%FY 2020: -43.7%FY 2021: 137.0%FY 2022: 48.5%FY 2023: 24.6%FY 2024: 5.2%FY 2025: -9.0%
FY 2016 FY 2025
EPS (diluted) 7.0%
FY 2016: 18.3%FY 2017: 29.8%FY 2018: 18.3%FY 2019: 13.2%FY 2020: -42.5%FY 2021: 183.3%FY 2022: 20.6%FY 2023: 18.1%FY 2024: -7.4%FY 2025: 7.0%
FY 2016 FY 2025
Free Cash Flow 224.8%
FY 2016: 455.5%FY 2017: 263.1%FY 2018: -106.2%FY 2019: 1676.8%FY 2020: 20.6%FY 2021: -44.0%FY 2022: -157.8%FY 2023: 140.7%FY 2024: 314.8%FY 2025: 224.8%
FY 2016 FY 2025

Financial Health

Current Ratio 3.2×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 3.2×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 3.2×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 3.2×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 1.3×
FY 2016: 0.8×FY 2017: 0.6×FY 2018: 0.5×FY 2019: 0.7×FY 2020: 0.6×FY 2021: 0.7×FY 2022: 0.5×FY 2023: 0.6×FY 2024: 0.7×FY 2025: 1.3×
FY 2016 5y median 0.7× FY 2025
Net Debt / EBITDA -2.1×
FY 2016: -8.2×FY 2017: -7.5×FY 2018: -5.0×FY 2019: -4.3×FY 2020: -16.1×FY 2021: -9.0×FY 2022: -8.9×FY 2023: -4.5×FY 2024: -5.4×FY 2025: -2.1×
FY 2016 5y median -5.4× FY 2025
Interest Coverage 0.5×
FY 2016: 1.6×FY 2017: 1.7×FY 2018: 1.5×FY 2019: 1.6×FY 2020: 1.4×FY 2021: 3.7×FY 2022: 1.8×FY 2023: 0.7×FY 2024: 0.6×FY 2025: 0.5×
FY 2016 5y median 0.7× FY 2025

Dividends

Dividend Yield 20.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 1.0%FY 2019: 1.5%FY 2020: 0.4%FY 2021: 0.9%FY 2022: 2.7%FY 2023: 4.6%FY 2024: 4.9%FY 2025: 20.0%
FY 2016 5y median 4.6% FY 2025
Payout Ratio 39.6%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 7.8%FY 2019: 15.0%FY 2020: 5.0%FY 2021: 5.2%FY 2022: 17.7%FY 2023: 25.0%FY 2024: 26.9%FY 2025: 39.6%
FY 2016 5y median 25.0% FY 2025

Annual · latest fiscal year ends 2025-12-31