Financials Bank Leumi le-Israel B.M.

Equities

Market Closed - TEL AVIV STOCK EXCHANGE Other stock markets 10:24:15 2024-12-05 am EST			5-day change	1st Jan Change
4,321.00 ^ILa	+0.86%		+4.62%	+46.47%

Nov. 19	Bank Leumi le-Israel B.M., Q3 2024 Earnings Call, Nov 19, 2024
Nov. 19	Bank Leumi le-Israel B.M. Reports Earnings Results for the Third Quarter and Nine Months Ended September 30, 2024	CI

Fiscal Period: Dezember	2019	2020	2021	2022	2023	2024	2025	2026
Net sales ¹	13,922	13,089	15,857	18,229	21,178	21,572	21,166	21,677
Change	-	-5.98%	21.15%	14.96%	16.18%	1.86%	-1.88%	2.41%
EBITDA	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
EBIT	6,014	6,043	8,429	7,830	14,284	-	-	-
Change	-	0.48%	39.48%	-7.11%	82.43%	-100%	-	-
Interest Paid	-	-	-	-	-	-	-	-
Earnings before Tax (EBT)	5,405	3,491	9,241	10,896	11,901	-	-	-
Change	-	-35.41%	164.71%	17.91%	9.22%	-100%	-	-
Net income	3,522	2,102	6,028	7,709	7,027	-	-	-
Change	-	-40.32%	186.77%	27.89%	-8.85%	-100%	-	-
Announcement Date	2/26/20	3/9/21	3/9/22	3/14/23	3/19/24	-	-	-

¹ILS in Million

Estimates

Fiscal Period: December	2019 Q4	2020 Q1	2020 Q2	2020 Q3	2020 Q4	2021 Q1	2021 Q2	2021 Q3	2021 Q4	2022 Q1	2022 Q2	2022 Q3	2022 Q4	2023 Q1	2023 Q2	2023 Q3	2024 Q1
Net sales	3,363	2,415	3,602	3,469	3,603	3,722	4,306	3,911	3,918	3,849	4,682	4,269	5,429	4,999	5,696	5,336	-
Change	-	-28.19%	49.15%	-3.69%	3.86%	3.3%	15.69%	-9.17%	0.18%	-1.76%	21.64%	-8.82%	27.17%	-7.92%	13.94%	-6.32%	-100%
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBIT	1,287	612	1,933	1,720	1,778	1,883	2,448	2,056	2,042	2,055	2,869	2,598	3,700	3,370	3,377	3,614	-
Change	-	-52.45%	215.85%	-11.02%	3.37%	5.91%	30.01%	-16.01%	-0.68%	0.64%	39.61%	-9.45%	42.42%	-8.92%	0.21%	7.02%	-100%
Charge d'intérêts	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Earnings before Tax (EBT)	1,129	-248	1,058	1,173	1,508	2,095	2,606	2,415	2,125	2,095	2,915	2,499	3,387	2,964	3,695	2,623	-
Change	-	-	-	10.87%	28.56%	38.93%	24.39%	-7.33%	-12.01%	-1.41%	39.14%	-14.27%	35.53%	-12.49%	24.66%	-29.01%	-100%
Net income ¹	742	-232	694	750	890	1,340	1,667	1,551	1,470	1,609	1,992	1,782	2,326	981	2,453	1,767	2,785
Change	-	-	-	8.07%	18.67%	50.56%	24.4%	-6.96%	-5.22%	9.46%	23.8%	-10.54%	30.53%	-57.82%	150.05%	-27.97%	57.61%
Announcement Date	2/26/20	5/27/20	8/27/20	11/17/20	3/9/21	5/27/21	8/12/21	11/16/21	3/9/22	5/24/22	8/16/22	11/29/22	3/14/23	5/23/23	8/15/23	11/29/23	5/28/24

¹ILS in Million

Estimates

Fiscal Period: December	2019	2020	2021	2022	2023	2024	2025	2026
Net Debt	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
Announcement Date	2/26/20	3/9/21	3/9/22	3/14/23	3/19/24	-	-	-

Estimates

Fiscal Period: December	2018	2019	2020	2021	2022	2023
CAPEX ¹	716	942	594	543	765	833
Change	-	31.56%	-36.94%	-8.59%	40.88%	8.89%
Free Cash Flow (FCF) ¹	-	-	-	-	-	-
Change	-	-	-	-	-	-
Announcement Date	3/7/19	2/26/20	3/9/21	3/9/22	3/14/23	3/19/24

¹ILS in Million

Estimates

Fiscal Period: December	2018	2019	2020	2021	2022	2023	2024	2025	2026
Profitability
EBITDA Margin (%)	-	-	-	-	-	-	-	-	-
EBIT Margin (%)	-	43.2%	46.17%	53.16%	42.95%	67.45%	-	-	-
EBT Margin (%)	-	38.82%	26.67%	58.28%	59.77%	56.2%	-	-	-
Net margin (%)	-	25.3%	16.06%	38.01%	42.29%	33.18%	-	-	-
FCF margin (%)	-	-	-	-	-	-	-	-	-
FCF / Net Income (%)	-	-	-	-	-	-	-	-	-
Profitability
ROA	-	0.76%	-	-	-	-	-	-	-
ROE	-	9.96%	5.7%	15%	17%	13.7%	14.28%	13.47%	12.31%
Financial Health
Leverage (Debt/EBITDA)	-	-	-	-	-	-	-	-	-
Debt / Free cash flow	-	-	-	-	-	-	-	-	-
Capital Intensity
CAPEX / Current Assets (%)	-	-	-	-	-	-	-	-	-
CAPEX / EBITDA (%)	-	-	-	-	-	-	-	-	-
CAPEX / FCF (%)	-	-	-	-	-	-	-	-	-
Items per share
Cash flow per share ¹	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-
Dividend per Share ¹	-	0.9534	-	1.78	-	-	1.735	1.386	2.253
Change	-	-	-	-	-	-	-	-20.12%	62.6%
Book Value Per Share ¹	-	24.08	24.37	28.64	-	-	-	-	-
Change	-	-	1.21%	17.52%	-	-	-	-	-
EPS ¹	-	2.37	1.44	4.15	5.14	4.58	-	-	-
Change	-	-	-39.24%	188.19%	23.86%	-10.89%	-	-	-
Nbr of stocks (in thousands)	-	1,466,191	1,452,896	1,452,896	1,471,981	1,471,981	1,507,406	1,507,406	1,507,406
Announcement Date	-	2/26/20	3/9/21	3/9/22	3/14/23	3/19/24	-	-	-