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Bank Leumi Le-Israel (IL:LUMI)
:LUMI
Earnings Data
Report Date
May 26, 2026Before Open (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
163.6Last Year’s EPS
160Same Quarter Last Year
Moderate Buy
Based on 1 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presents a strongly positive operating and financial performance: record net income, robust loan growth, improved asset quality, excellent efficiency, strong liquidity and investor confidence (EUR 750m covered bond, market cap milestone). Management is aggressively pursuing AI and digital initiatives to further lower costs and accelerate product delivery. Key risks include geopolitical uncertainty, downward pressure on NIM from CPI and rate declines, accounting-driven weakness in noninterest income, and the presence of a large excess capital buffer that requires regulatory engagement to fully unlock shareholder distributions. On balance, the highlights substantially outweigh the lowlights, though the business remains exposed to macro/regulatory uncertainties.Company Guidance
Record Net Profit and Strong ROE
Net income of ILS 10.3 billion in 2025 (all-time high), inside the ILS 9–11 billion target range; ROE of 15.8% (in line with 15%–16% target).
Robust Credit Growth
Net loans grew 14.1% in 2025 (above the 8%–10% target); quarter-over-quarter credit growth of 5% in Q4 driven by corporate, real estate and capital markets.
Improved Asset Quality and Low Loan Losses
NPL ratio declined to 0.4%; troubled debts at 1.24% of gross loans; provisions cover NPLs by 3.2x; total loan loss expense ratio 0.09% in 2025 (down from 0.16% in 2024).
Excellent Efficiency and Cost Control
Cost-to-income ratio improved to 29.3% (among best globally); salary costs down ~7.4% year‑on‑year; overall expenses down 0.8% versus Q4 2024; book value per share +12% YoY to ~ILS 46.
Shareholder Returns and New Dividend Policy
Total capital return in 2025 of ILS 5.9 billion (≈58% of net income); Q4 payout ILS 1.7 billion (≈65% of quarterly profit) including cash and buyback; dividend yield ~6.5%; new payout policy 50%–65% of profit (up to 50% cash).
Diversified Funding and Strong Liquidity
Issued EUR 750 million covered bonds in European market (rated above Israel sovereign, priced at lower interest); market cap surpassed ILS 100 billion; deposits +11.1% in 2025; LCR 127%; loan-to-deposit ratio 75.7%.
Digital & AI-Led Transformation
Established AI center; >90% of customer transactions via digital platforms; AI integrated into underwriting, credit portfolio management and product development; examples of accelerated project delivery and planned closure of an operational division by mid‑2027 to drive further efficiency.
Raised Near-Term Guidance
Updated net profit target raised to ILS 10–12 billion for 2026–2027 and ROE targets of 14.5%–16%; continued annual credit growth target of 8%–10% with emphasis on project/infrastructure finance.
IL:LUMI Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
IL:LUMI Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Mar 04, 2026 | 7888.00 | 7788.00 | -1.27% |
Nov 18, 2025 | 6753.16 | 6699.97 | -0.79% |
Aug 13, 2025 | 5885.20 | 6030.45 | +2.47% |
May 20, 2025 | 5219.41 | 5376.00 | +3.00% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Bank Leumi Le-Israel (IL:LUMI) report earnings?
Bank Leumi Le-Israel (IL:LUMI) is schdueled to report earning on May 26, 2026, Before Open (Confirmed).
What is Bank Leumi Le-Israel (IL:LUMI) earnings time?
Bank Leumi Le-Israel (IL:LUMI) earnings time is at May 26, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is the P/E ratio of Bank Leumi Le-Israel stock?
The P/E ratio of Leumi is N/A.
What is IL:LUMI EPS forecast?
IL:LUMI EPS forecast for the fiscal quarter 2026 (Q1) is 163.6.