XTAEDSCT
Market cap8.31bUSD
Dec 20, Last price
2,452.00ILS
1D
-0.12%
1Q
27.71%
Jan 2017
206.16%
Name
Israel Discount Bank Ltd
Chart & Performance
Profile
Israel Discount Bank Limited, together with its subsidiaries, provides various banking and financial services in Israel, Europe, and North America. The company operates through Retail Banking, Middle Market Banking, Corporate Banking, Financial Operations, Discount Capital, Discount Bancorp, Israel Credit Cards Company, and Other segments. Its personal banking services include checking accounts, deposits and savings products, loans and credit facilities, mortgages, credit cards, capital market products, consulting services, family banking programs, and tax exemption services. The company also provides accounts, credit, funds, credit cards, and loans for small businesses; commercial business products for factories, workshops, service providers, and merchants; corporate, residential and commercial construction, infrastructure, and rental property financing; and personal consulting services for corporations and executives in various fields of investment, inliquidity, and asset management; brokerage and trading services; customized services for diamond traders; and capital market consulting, including foreign trade, documentary collection and credit, foreign guarantee, export financing, online foreign trade, anti money laundering, and mutual fund services. In addition, it offers tools for capital market transactions; provides Israeli private banking, foreign currency, commercial payment, securities custody and execution, capital market advisory, international banking, portfolio management, and online and digital banking services; manages securities investment portfolios for private customers, corporations, not-for-profit organizations, and institutional bodies; and initiates and assists public offerings and private placements, as well as provides underwriting and distribution services. The company operates through a chain of 171 branches in Israel. Israel Discount Bank Limited was incorporated in 1935 and is based in Tel Aviv, Israel.
Valuation
Title ILS in thousands, except ratios and share amounts | FY | FY | FY | FY | FY | FY | FY | FY | FY | FY |
---|---|---|---|---|---|---|---|---|---|---|
2023‑12 | 2022‑12 | 2021‑12 | 2020‑12 | 2019‑12 | 2018‑12 | 2017‑12 | 2016‑12 | 2015‑12 | 2014‑12 | |
Income | ||||||||||
Revenues | 14,572,000 16.50% | 12,508,000 19.96% | 10,427,000 5.58% | |||||||
Cost of revenue | 4,485,000 | 1,026,000 | 865,000 | |||||||
Unusual Expense (Income) | ||||||||||
NOPBT | 10,087,000 | 11,482,000 | 9,562,000 | |||||||
NOPBT Margin | 69.22% | 91.80% | 91.70% | |||||||
Operating Taxes | 2,316,000 | 1,806,000 | 1,516,000 | |||||||
Tax Rate | 22.96% | 15.73% | 15.85% | |||||||
NOPAT | 7,771,000 | 9,676,000 | 8,046,000 | |||||||
Net income | 4,192,000 19.94% | 3,495,000 26.04% | 2,773,000 184.41% | |||||||
Dividends | (1,047,000) | (617,000) | (144,000) | |||||||
Dividend yield | 4.61% | 2.74% | 0.59% | |||||||
Proceeds from repurchase of equity | 3,477,000 | |||||||||
BB yield | -15.43% | |||||||||
Debt | ||||||||||
Debt current | ||||||||||
Long-term debt | 16,699,000 | 13,569,000 | 15,842,000 | |||||||
Deferred revenue | ||||||||||
Other long-term liabilities | (13,569,000) | (15,842,000) | ||||||||
Net debt | (102,811,000) | (108,937,000) | (93,737,000) | |||||||
Cash flow | ||||||||||
Cash from operating activities | 2,013,000 | (946,000) | 4,457,000 | |||||||
CAPEX | (1,194,000) | (1,064,000) | (977,000) | |||||||
Cash from investing activities | (29,303,000) | (27,446,000) | (25,503,000) | |||||||
Cash from financing activities | 12,675,000 | 33,693,000 | 38,266,000 | |||||||
FCF | 5,989,000 | 8,762,000 | 7,585,000 | |||||||
Balance | ||||||||||
Cash | 48,665,000 | 65,806,000 | 59,726,000 | |||||||
Long term investments | 70,845,000 | 56,700,000 | 49,853,000 | |||||||
Excess cash | 118,781,400 | 121,880,600 | 109,057,650 | |||||||
Stockholders' equity | 24,959,000 | 21,669,000 | 18,990,000 | |||||||
Invested Capital | 370,765,000 | 355,085,000 | 316,098,000 | |||||||
ROIC | 2.14% | 2.88% | 2.71% | |||||||
ROCE | 2.55% | 3.05% | 2.85% | |||||||
EV | ||||||||||
Common stock shares outstanding | 1,237,011 | 1,219,413 | 1,164,017 | |||||||
Price | 18.35 -0.70% | 18.48 -11.75% | 20.94 69.42% | |||||||
Market cap | 22,699,152 0.73% | 22,534,752 -7.55% | 24,374,516 69.42% | |||||||
EV | (79,347,848) | (84,048,248) | (67,681,484) | |||||||
EBITDA | 10,710,000 | 12,061,000 | 10,100,000 | |||||||
EV/EBITDA | ||||||||||
Interest | 9,776,000 | 3,007,000 | 962,000 | |||||||
Interest/NOPBT | 96.92% | 26.19% | 10.06% |