Bank Hapoalim BM (BKHYY) AI Stock Analysis

• Market Cap: $25.05B
• Dividend Yield: 2.35%
• Average Volume (3M): 34.00
• Price to Earnings (P/E): 11.5
• Beta (1Y): 0.33
• Revenue Growth: 14.47%
• EPS Growth: 3.22%
• Country: US
• Employees: 8,480
• Sector: Financial
• Sector Strength: 75
• Industry: Banks - Regional
• EPS (TTM): 2.58
• Shares Outstanding: 263,163,450
• 10 Day Avg. Volume: 0
• 30 Day Avg. Volume: 34
• PEG Ratio: 1.57
• Price to Book (P/B): 1.41
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 8.41
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 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 BM (BKHYY) is one of Israel's leading financial institutions, offering a comprehensive range of banking services and products. Established in 1921, the bank operates through a network of branches and subsidiaries, providing retail, corporate, and private banking services. Its core offerings include traditional banking services such as deposits, loans, and mortgages, as well as investment banking, asset management, and financial advisory services. Bank Hapoalim serves both domestic and international clients, leveraging its strong presence in the Israeli market and its strategic global partnerships.

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	36.50B	40.48B	21.31B	17.87B	14.30B	13.12B
Gross Profit	21.80B	21.27B	21.31B	17.87B	14.30B	13.12B
EBITDA	9.52B	13.02B	0.00	0.00	0.00	0.00
Net Income	8.12B	7.63B	7.36B	6.53B	4.91B	2.06B
Balance Sheet
Total Assets	720.20B	720.84B	686.53B	665.35B	638.78B	539.60B
Cash, Cash Equivalents and Short-Term Investments	90.55B	117.05B	107.11B	133.42B	189.28B	138.71B
Total Debt	24.71B	0.00	22.36B	27.47B	26.27B	24.28B
Total Liabilities	659.97B	662.69B	634.10B	618.85B	596.03B	499.70B
Stockholders Equity	60.22B	58.15B	52.43B	46.50B	42.73B	39.87B
Cash Flow
Free Cash Flow	10.03B	8.85B	-1.41B	-568.00M	4.29B	2.12B
Operating Cash Flow	11.02B	9.83B	-437.00M	132.00M	5.18B	2.80B
Investing Cash Flow	-48.48B	-27.01B	-27.15B	-67.97B	-45.87B	-23.21B
Financing Cash Flow	29.88B	26.47B	1.96B	10.55B	91.97B	73.86B

Bank Hapoalim BM Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 95.27
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BKHYY, the sentiment is Positive. The current price of 95.27 is above the 20-day moving average (MA) of 91.46, above the 50-day MA of 84.20, and above the 200-day MA of 66.53, indicating a bullish trend. The MACD of 4.24 indicates Negative momentum. The RSI at 71.63 is Negative, neither overbought nor oversold. The STOCH value of 97.46 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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	$25.05B	11.52	14.26%	2.35%	14.47%	3.22%
KB	78 Outperform	$30.72B	8.15	10.66%	2.48%	-3.00%	32.85%
SHG	71 Outperform	$25.10B	7.89	8.79%	2.60%	-3.37%	4.50%
BBD	70 Outperform	$28.52B	9.27	10.61%	0.93%	-9.78%	27.43%
BSBR	70 Outperform	$18.72B	15.46	10.89%	5.44%	-3.94%	31.52%
BCH	69 Neutral	$14.26B	11.00	23.88%	7.46%	-17.02%	-10.73%
Sector *	68 Neutral	$16.73B	11.75	9.79%	3.76%	11.87%	-7.97%