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Israel Discount Bank Limited ISDAY

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Price alert · ISDAY

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100.50 USD -19.12 -15.98%

At close · Oct 30

100.50 Day range 100.50
94.75 52-week range 135.25
YTD
-10.47%
1 year
+2.03%
Open
100.50
Prev close
119.62
Mkt cap
12.30B
Vol
9
Avg vol
51
EPS
9.80
P/E
10.26
More statistics
Low
100.50
High
100.50

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1m5m15m30m

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Financial health

Altman Z-Score

-0.56 Distress zone

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

Piotroski F-Score

5 / 9 Average

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

FMP rating

B+3 / 5 overall

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

Valuation

P/E 11.5×
FY 2016: 8.2×FY 2017: 9.7×FY 2018: 8.8×FY 2019: 11.1×FY 2020: 13.0×FY 2021: 8.2×FY 2022: 7.0×FY 2023: 5.4×FY 2024: 6.5×FY 2025: 11.5×
FY 2016 5y median 7.0× FY 2025
P/S 1.7×
FY 2016: 0.9×FY 2017: 1.3×FY 2018: 1.3×FY 2019: 1.7×FY 2020: 1.2×FY 2021: 2.0×FY 2022: 1.6×FY 2023: 0.9×FY 2024: 1.0×FY 2025: 1.7×
FY 2016 5y median 1.6× FY 2025
P/B 1.3×
FY 2016: 0.5×FY 2017: 0.8×FY 2018: 0.8×FY 2019: 1.0×FY 2020: 0.7×FY 2021: 1.1×FY 2022: 1.0×FY 2023: 0.8×FY 2024: 0.9×FY 2025: 1.3×
FY 2016 5y median 1.0× FY 2025
P/FCF 4.3×
FY 2016: 1.5×FY 2017: 2.3×FY 2018: -40.5×FY 2019: 3.9×FY 2020: 2.0×FY 2021: 6.5×FY 2022: -12.2×FY 2023: 27.5×FY 2024: 8.2×FY 2025: 4.3×
FY 2016 5y median 6.5× FY 2025
EV/EBITDA 4.7×
FY 2016: -4.8×FY 2017: -2.6×FY 2018: -0.2×FY 2019: 1.7×FY 2020: -9.7×FY 2021: -4.4×FY 2022: -4.7×FY 2023: -1.4×FY 2024: -1.7×FY 2025: 4.7×
FY 2016 5y median -1.7× FY 2025
EV/Sales 1.2×
FY 2016: -1.2×FY 2017: -0.7×FY 2018: -0.1×FY 2019: 0.5×FY 2020: -1.8×FY 2021: -1.9×FY 2022: -1.8×FY 2023: -0.4×FY 2024: -0.5×FY 2025: 1.2×
FY 2016 5y median -0.5× FY 2025
FCF Yield 23.3%
FY 2016: 65.8%FY 2017: 43.0%FY 2018: -2.5%FY 2019: 25.8%FY 2020: 48.9%FY 2021: 15.3%FY 2022: -8.2%FY 2023: 3.6%FY 2024: 12.2%FY 2025: 23.3%
FY 2016 5y median 12.2% FY 2025

Profitability

Gross Margin 45.8%
FY 2016: 81.8%FY 2017: 87.0%FY 2018: 85.5%FY 2019: 85.2%FY 2020: 90.1%FY 2021: 91.6%FY 2022: 80.6%FY 2023: 61.6%FY 2024: 58.5%FY 2025: 45.8%
FY 2016 5y median 61.6% FY 2025
Operating Margin 23.1%
FY 2016: 19.9%FY 2017: 21.8%FY 2018: 22.2%FY 2019: 23.7%FY 2020: 13.7%FY 2021: 38.0%FY 2022: 34.3%FY 2023: 26.0%FY 2024: 25.5%FY 2025: 23.1%
FY 2016 5y median 26.0% FY 2025
Net Margin 15.0%
FY 2016: 10.5%FY 2017: 13.3%FY 2018: 14.3%FY 2019: 15.1%FY 2020: 8.9%FY 2021: 24.3%FY 2022: 22.5%FY 2023: 16.5%FY 2024: 15.7%FY 2025: 15.0%
FY 2016 5y median 16.5% FY 2025
ROE 11.3%
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: 11.3%
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: 4.6%FY 2022: 5.1%FY 2023: 4.9%FY 2024: 4.5%FY 2025: 0.8%
FY 2016 5y median 4.6% FY 2025
ROA 0.8%
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: 0.8%
FY 2016 5y median 0.9% FY 2025

Growth (YoY)

Revenue -7.1%
FY 2016: 3.8%FY 2017: 10.2%FY 2018: 10.6%FY 2019: 7.5%FY 2020: -2.8%FY 2021: 3.9%FY 2022: 36.2%FY 2023: 63.9%FY 2024: 7.2%FY 2025: -7.1%
FY 2016 FY 2025
Operating Income -15.9%
FY 2016: 25.6%FY 2017: 20.5%FY 2018: 12.9%FY 2019: 14.7%FY 2020: -43.7%FY 2021: 187.3%FY 2022: 23.0%FY 2023: 24.2%FY 2024: 5.2%FY 2025: -15.9%
FY 2016 FY 2025
EPS (diluted) -1.6%
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: -1.6%
FY 2016 FY 2025
Free Cash Flow 200.0%
FY 2016: 1295.8%FY 2017: 8.0%FY 2018: -106.2%FY 2019: 1588.1%FY 2020: 27.8%FY 2021: -44.0%FY 2022: -157.8%FY 2023: 140.7%FY 2024: 314.8%FY 2025: 200.0%
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 -2.2×
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: -2.2×
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: 4.5×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 3.4%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.9%FY 2019: 1.4%FY 2020: 0.4%FY 2021: 0.6%FY 2022: 2.5%FY 2023: 4.7%FY 2024: 4.1%FY 2025: 3.4%
FY 2016 5y median 3.4% 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