Israel Discount Bank Limited
Israel Discount Bank Limited Fundamental Analysis
Israel Discount Bank Limited (ISDAY) shows moderate financial fundamentals with a PE ratio of 12.14, profit margin of 14.77%, and ROE of 11.06%. The company generates $24.9B in annual revenue with weak year-over-year growth of -7.27%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 47.0/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze ISDAY's fundamental strength across five key dimensions:
Efficiency Score
WeakISDAY struggles to generate sufficient returns from assets.
Valuation Score
ExcellentISDAY trades at attractive valuation levels.
Growth Score
WeakISDAY faces weak or negative growth trends.
Financial Health Score
ModerateISDAY shows balanced financial health with some risks.
Profitability Score
WeakISDAY struggles to sustain strong margins.
Key Financial Metrics
Is ISDAY Expensive or Cheap?
P/E Ratio
ISDAY trades at 12.14 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, ISDAY's PEG of -0.38 indicates potential undervaluation.
Price to Book
The market values Israel Discount Bank Limited at 1.33 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 9.46 times EBITDA. This is generally considered low.
How Well Does ISDAY Make Money?
Net Profit Margin
For every $100 in sales, Israel Discount Bank Limited keeps $14.77 as profit after all expenses.
Operating Margin
Core operations generate 22.16 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $11.06 in profit for every $100 of shareholder equity.
ROA
Israel Discount Bank Limited generates $0.78 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Israel Discount Bank Limited generates strong operating cash flow of $9.07B, reflecting robust business health.
Free Cash Flow
Israel Discount Bank Limited generates strong free cash flow of $8.34B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $68.17 in free cash annually.
FCF Yield
ISDAY converts 18.79% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
12.14
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-0.38
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.33
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.78
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.29
vs 25 benchmark
Current Ratio
Current assets to current liabilities
4.39
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.11
vs 25 benchmark
ROA
Return on assets percentage
0.008
vs 25 benchmark
ROCE
Return on capital employed
0.01
vs 25 benchmark
How ISDAY Stacks Against Its Sector Peers
| Metric | ISDAY Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 12.14 | 18.81 | Better (Cheaper) |
| ROE | 11.06% | 809.00% | Weak |
| Net Margin | 14.77% | 2192.00% | Weak |
| Debt/Equity | 1.29 | 1.02 | Weak (High Leverage) |
| Current Ratio | 4.39 | 615.02 | Strong Liquidity |
| ROA | 0.78% | -20623.00% (disorted) | Weak |
ISDAY outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Israel Discount Bank Limited's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
118.04%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
301.56%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
56.27%
Industry Style: Value, Dividend, Cyclical
High Growth