Stock DSCT ISRAEL DISCOUNT BANK LIMITED
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Financials Israel Discount Bank Limited

Equities

DSCT

IL0006912120

Banks

Market Closed - TEL AVIV STOCK EXCHANGE
Other stock markets
 07:24:08 2024-04-25 am EDT 		5-day change 1st Jan Change
1,895 ILa -1.15% Intraday chart for Israel Discount Bank Limited +3.27% +3.27%
Apr. 05 Ireland's sovereign investment fund to divest from six Israeli firms RE
Mar. 11 Israel Discount Bank Limited Provides Earnings Guidance for the Year 2025 CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 18,636 14,387 24,375 22,860 22,699 23,441 - -
Enterprise Value (EV) 1 18,636 14,387 24,375 22,860 22,699 23,441 23,441 23,441
P/E ratio 11 x 14.7 x 8.8 x 6.44 x - 7.67 x 6.43 x 6.67 x
Yield 1.37% - 1.03% 2.7% - 4.65% 4.78% -
Capitalization / Revenue 1.93 x - 2.32 x 1.77 x 1.41 x 1.58 x 1.54 x -
EV / Revenue 1.93 x - 2.32 x 1.77 x 1.41 x 1.58 x 1.54 x -
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 1 x - 1.13 x 0.91 x - - - -
Nbr of stocks (in thousands) 1,164,017 1,164,017 1,164,017 1,237,011 1,237,011 1,237,011 - -
Reference price 2 16.01 12.36 20.94 18.48 18.35 18.95 18.95 18.95
Announcement Date 3/16/20 3/16/21 3/10/22 3/12/23 3/11/24 - - -
1ILS in Million2ILS
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 9,664 - 10,491 12,944 16,074 14,825 15,242 -
EBITDA - - - - - - - -
EBIT 1 3,365 - 3,633 5,727 8,108 6,957 7,251 -
Operating Margin 34.82% - 34.63% 44.24% 50.44% 46.93% 47.57% -
Earnings before Tax (EBT) 1 2,675 - 4,326 5,320 6,606 5,739 6,003 -
Net income 1 1,702 - 2,773 3,495 4,192 3,750 4,090 -
Net margin 17.61% - 26.43% 27% 26.08% 25.3% 26.83% -
EPS 2 1.460 0.8400 2.380 2.870 - 2.471 2.949 2.843
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 0.2193 - 0.2150 0.4988 - 0.8812 0.9050 -
Announcement Date 3/16/20 3/16/21 3/10/22 3/12/23 3/11/24 - - -
1ILS in Million2ILS
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3
Net sales 1 2,672 2,722 3,086 2,897 3,307 3,654 4,257 4,085 3,943
EBITDA - - - - - - - - -
EBIT 1 1,016 783 971 1,181 1,480 1,687 2,295 2,146 1,900
Operating Margin 38.02% 28.77% 31.46% 40.77% 44.75% 46.17% 53.91% 52.53% 48.19%
Earnings before Tax (EBT) 1 1,142 793 1,439 1,050 1,374 1,457 2,091 1,834 1,304
Net income 1 722 529 983 680 893 939 1,269 1,187 817
Net margin 27.02% 19.43% 31.85% 23.47% 27% 25.7% 29.81% 29.06% 20.72%
EPS 2 0.6200 0.4500 0.8400 0.5500 0.7200 0.7600 1.030 0.9600 0.6600
Dividend per Share - 0.0909 0.1589 0.1099 0.1443 0.0857 0.1518 0.2879 -
Announcement Date 11/24/21 3/10/22 6/13/22 8/11/22 11/23/22 3/12/23 5/17/23 8/14/23 11/27/23
1ILS in Million2ILS
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 9.4% 5.1% 13.6% 15.1% - 12.7% 12.1%
ROA (Net income/ Total Assets) 0.68% - - - - - -
Assets 1 249,498 - - - - - -
Book Value Per Share 16.00 - 18.50 20.40 - - -
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 3/16/20 3/16/21 3/10/22 3/12/23 3/11/24 - -
1ILS in Million
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Israel Discount Bank Limited

Trading Rating
Investor Rating
ESG Refinitiv
B+
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
4
Last Close Price
18.95 ILS
Average target price
24.1 ILS
Spread / Average Target
+27.18%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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Commercial Banks
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