Obermatt

Israel Discount Bank

TLV:DSCT · IL0006912120
BanksMedium

360

58
Profit price81
Cash yield65
Price/Sales49
EV / Gross Profit100
Price/Book50
Returns on capital58
Profit margins
Cash Conversion79
Accruals41
Owner Earnings Margin24
Sales growth14
Profit Growth53
Long-Term EPS Growth60
Owner Earnings Growth18
Reinvestment8
Price momentum14
Debt load87
Debt serviceability77
Liquidity28
Analyst ratings73
Opinion Changes88
Price Target Upside89
Market mood54
Value Creation10/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Israel Discount Bank clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryIsrael
IndustryBanks
SizeMedium
TypePublic Company
ExchangeTASE
Founded1935
Employees1,625
ISINIL0006912120
Last UpdateApr 2, 2026

Description

Israel Discount Bank Limited is a financial institution that provides an array of banking services, primarily to individuals, small and medium enterprises (SMEs), and corporations. Business Segments The company operates through several key business…

Analysis

Bargain bin

Israel Discount Bank Limited falls in the bargain bin: the price is low relative to peers, but the business metrics give reason to pause.

The price is attractive. You pay 11.2× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone. At today's price, the market is assuming roughly -2% yearly growth; analysts expect 10%. The price, in other words, assumes less than the experts do.

The trajectory is tepid and the balance sheet is adequate. The company scores 10/20 on our value-creation score: creating some value. Analysts lean positive.

What to watch: Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
66
2023202420252026

All-time high

66

Jun 2026

All-time low

14

Jan 2024

Average rank

52

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
49
48
54
27
Price/Earnings
37
24
31
23
Price/Book
50
27
30
20
Dividend Yield
65
25
15
54
Value (overall)
48
19
23
19

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →