Bank Hapoalim BM (BKHYY) AI Stock Analysis

• Market Cap: $24.25B
• Dividend Yield: 2.53%
• Average Volume (3M): 735.00
• Price to Earnings (P/E): 10.6
• Beta (1Y): 0.32
• Revenue Growth: 30.08%
• EPS Growth: 14.36%
• Country: US
• Employees: 8,480
• Sector: Financial
• Sector Strength: 72
• Industry: Banks - Regional
• EPS (TTM): 2.70
• Shares Outstanding: 263,163,450
• 10 Day Avg. Volume: 879
• 30 Day Avg. Volume: 735
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 0.82
• Enterprise Value/Revenue: 0.54
• Enterprise Value/Gross Profit: 0.86
• Enterprise Value/Ebitda: 1.45
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 81 Outperform
• Price Target: ―

Bank Hapoalim BM scores well due to robust financial performance, including consistent revenue growth and a solid balance sheet with minimal debt reliance. Technical indicators show strong upward momentum, supported by favorable valuation metrics such as a reasonable P/E ratio and an attractive dividend yield. The absence of EBIT and EBITDA data slightly limits profitability analysis but does not significantly impact the overall positive outlook.

Bank Hapoalim BM Business Overview & Revenue Model

Company Description

Bank Hapoalim B.M., together with its subsidiaries, provides various banking and financial products and services in Israel and internationally. It operates through Corporate Banking, Retail Banking, and Financial Markets and International Banking divisions. The company offers account-management services, credit for various purposes, deposits, and savings plans, and capital-market service; securities, and currencies and derivatives trading services; securities custody services; research, consulting, and advisory services; pension advisory and retirement planning services; and housing loans. It also provides credit for routine operations and investment financing, guarantees, letters of credit, foreign trade, and transactions in financial and derivative instruments, as well as investment services in various channels, such as foreign currency, shekels, securities, etc. In addition, the company offers financing for infrastructure projects, foreign trade and international trade financing, and project financing services; foreign trade transactions and transactions in financial derivatives; financing of working capital; syndication; credit-risk sales; financing of construction projects; dealing-room services; federal deposit insurance; and credit cards services. Further, it provides clearing of payment, asset management, investment portfolio management, investment banking, underwriting, and issuance management services. The company serves households, private-banking customers, foreign residents, small businesses, financial-asset managers, middle-market business clients, and large corporations through 175 branches, 601 external and 131 internal automatic teller machines, 126 external and 216 internal check-deposit machines, 30 information stations, 316 self-service stations, and 119 night safes. Bank Hapoalim B.M. was founded in 1921 and is based in Tel Aviv, Israel.

How the Company Makes Money

Bank Hapoalim generates revenue primarily through interest income from its lending activities, including personal loans, mortgages, and corporate financing. The bank also earns fees and commissions from various banking services such as account management, transaction processing, and advisory services. Additionally, Bank Hapoalim benefits from its investment banking operations, which include underwriting, trading, and wealth management services. The bank's strategic partnerships and international operations further contribute to its earnings, allowing it to diversify its revenue streams and expand its market reach.

Bank Hapoalim BM Financial Statement Overview

Summary

Bank Hapoalim BM exhibits strong financial health, characterized by consistent revenue growth and a solid balance sheet with minimal debt. The improvement in cash flows in 2024 bodes well for future operations, although some fluctuations in cash management are observed. The absence of EBIT and EBITDA data for 2024 limits comprehensive profitability insights but does not overshadow the bank's overall positive financial trajectory.

Income Statement

Bank Hapoalim BM has shown consistent revenue growth over the years, with a notable increase in total revenue from 2020 to 2024. The gross profit margin is strong given that gross profit equals total revenue, but the absence of EBIT and EBITDA figures for 2024 limits margin analysis. The net profit margin remains stable, indicating efficient cost management. However, the lack of EBIT and EBITDA data for the latest period constrains a full profitability analysis.

Balance Sheet

The bank maintains a robust equity position with a rising stockholders' equity over the years. The debt-to-equity ratio is favorable, reflecting minimal reliance on debt financing. The equity ratio suggests a strong capital base, enhancing financial stability. The consistent growth in total assets further supports the balance sheet's strength.

Cash Flow

Operating cash flow has improved significantly in 2024 after a dip in 2023, showcasing better cash generation capabilities. Free cash flow also turned positive in 2024, indicating improved financial flexibility. However, the variability in investing and financing cash flows suggests some volatility in cash management strategies.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	36.54B	21.27B	21.31B	17.87B	14.30B	13.12B
Gross Profit	23.25B	21.93B	21.31B	17.87B	14.30B	13.12B
EBITDA	13.74B	13.02B	0.00	0.00	0.00	0.00
Net Income	8.43B	7.63B	7.36B	6.53B	4.91B	2.06B
Balance Sheet
Total Assets	758.09B	720.84B	686.53B	665.35B	638.78B	539.60B
Cash, Cash Equivalents and Short-Term Investments	80.57B	117.05B	107.11B	133.42B	189.28B	138.71B
Total Debt	26.64B	20.19B	22.36B	27.47B	26.27B	24.28B
Total Liabilities	695.96B	662.69B	634.10B	618.85B	596.03B	499.70B
Stockholders Equity	62.12B	58.15B	52.43B	46.50B	42.73B	39.87B
Cash Flow
Free Cash Flow	7.79B	8.85B	-1.41B	-568.00M	4.29B	2.12B
Operating Cash Flow	8.76B	9.83B	-437.00M	132.00M	5.18B	2.80B
Investing Cash Flow	-68.23B	-27.01B	-27.15B	-67.97B	-45.87B	-23.21B
Financing Cash Flow	33.27B	26.47B	1.96B	10.55B	91.97B	73.86B

Bank Hapoalim BM Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 92.14
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BKHYY, the sentiment is Neutral. The current price of 92.14 is below the 20-day moving average (MA) of 92.96, below the 50-day MA of 92.78, and above the 200-day MA of 73.30, indicating a neutral trend. The MACD of -0.04 indicates Positive momentum. The RSI at 47.48 is Neutral, neither overbought nor oversold. The STOCH value of 28.72 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for BKHYY.

Bank Hapoalim BM Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BKHYY	81 Outperform	$24.25B	10.58	13.95%	2.53%	30.08%	14.36%
BCH	74 Outperform	$14.60B	11.30	22.07%	7.25%	-13.16%	-8.10%
BBD	71 Outperform	$28.72B	8.46	11.76%	1.98%	-4.58%	39.03%
BSBR	70 Outperform	$18.75B	18.29	9.43%	6.09%	-3.77%	-10.59%
Sector *	68 Neutral	$17.86B	12.02	10.33%	3.75%	9.68%	0.49%
SHG	67 Neutral	$22.93B	7.35	8.58%	2.48%	-3.83%	4.06%
KB	62 Neutral	$28.50B	7.54	10.14%	2.96%	-3.11%	28.74%