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Bank Hapoalim BM (BKHYY)
OTHER OTC:BKHYY
Earnings Data
Report Date
May 25, 2026TBA (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
2.79Last Year’s EPS
2.58Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented a strongly positive performance for 2025: robust profitability (ILS 9.8bn), high ROE (15.9%), broad-based loan growth (+13.4%), low NPLs (0.48%) and strong capital allowing meaningful shareholder distribution. Management emphasized digital and AI progress (Bit and Danit), efficiency programs and higher 2026–27 targets, and flagged a material one-off pipeline (real estate gains of ILS 800–900m from 2027). Key risks discussed were temporary Q4 one-offs (labor provision and CPI-driven volatility), elevated collective provisions (conservative reserves), ongoing technology costs, and geopolitical uncertainty that could slow activity if prolonged. On balance, the positives — notably profitability, asset quality, capital strength and clear strategic momentum — substantially outweigh the noted challenges.Company Guidance
Strong Profitability and ROE
Net profit of ILS 9.8 billion for 2025 (ILS 9.4 billion adjusted for ILS 380m insurance reimbursement); return on equity of 15.9% for the year (15.3% adjusted); EPS ILS 7.43 — both metrics comfortably above prior targets.
Accelerated Loan Growth Across All Segments
Total credit grew 13.4% in 2025 (4.9% in Q4), exceeding previous target of 7%; corporate credit +25.8%, commercial (middle market) +11.3%, retail/mortgages/small business growth ~7%–12%.
Revenue Expansion — Financing Income and Fees
Financing income increased ~9.6% year-on-year driven by higher business activity and portfolio repositioning; total fees grew 11.3% in 2025 (notably securities and account management fees, and one-off international card fees).
Strong Asset Quality and High Reserves
NPL ratio improved to 0.48%; allowance-to-loans ratio high at 1.72%; NPL coverage rose to more than 3x (over 300%); provision for credit losses ILS 421 million (0.31% of credit book) reflecting a conservative reserve posture.
Capital Strength and Shareholder Returns
CET1 ratio 11.98% with CET1 capital growth of 11.2% year-over-year; 2025 shareholder distribution totaled 50% of net profit (ILS 4.1 billion cash dividend, ILS 0.79 per share — ~4.6% yield) plus an additional ILS 200 million declared in Q4.
Digital / Innovation Momentum — Bit & GenAI
Bit reached 3.5 million active users and annual P2P volume of ILS 30 billion; two-thirds of Bit users bank with other banks (large customer acquisition opportunity). Launched AI bot 'Danit' which handled thousands of calls and completed the share distribution process end-to-end; bank reports material progress on GenAI and data initiatives.
Efficiency and Cost Discipline
Reported cost-income ratio below 35% and adjusted cost-income in the mid-to-low 30s; nearly 8% reduction in other operating expenses in 2025; productivity metrics (income per employee and credit per employee) improved.
Guidance and Upside from Real Estate
Updated 2026–27 targets: net profit ILS 9.0–10.0 billion, ROE 14%–15%, loan growth 8%–9%, payout ratio 50%–60%. Expected pretax gains from planned property sales tied to Poalim Center relocation of ILS 800–900 million starting 2027.
BKHYY 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
BKHYY Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Mar 05, 2026 | $130.39 | $127.62 | -2.12% |
Nov 19, 2025 | $103.66 | $105.72 | +1.99% |
Aug 13, 2025 | $89.48 | $92.27 | +3.12% |
May 19, 2025 | $75.68 | $77.12 | +1.90% |
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 Hapoalim BM (BKHYY) report earnings?
Bank Hapoalim BM (BKHYY) is schdueled to report earning on May 25, 2026, TBA (Confirmed).
What is Bank Hapoalim BM (BKHYY) earnings time?
Bank Hapoalim BM (BKHYY) earnings time is at May 25, 2026, TBA (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 BKHYY EPS forecast?
BKHYY EPS forecast for the fiscal quarter 2026 (Q1) is 2.79.