Discount (DSCT) AI Stock Analysis

• Market Cap: ₪40.79B
• Dividend Yield: 3.69%
• Average Volume (3M): 3.00M
• Price to Earnings (P/E): 9.9
• Beta (1Y): 1.19
• Revenue Growth: 14.48%
• EPS Growth: 4.65%
• Country: IL
• Employees: 8,625
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 70.30
• Shares Outstanding: 1,223,482,000
• 10 Day Avg. Volume: 3,177,080
• 30 Day Avg. Volume: 2,996,804
• PEG Ratio: -3.48
• Price to Book (P/B): 1.23
• Price to Sales (P/S): 1.65
• P/FCF Ratio: 3.75
• 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: ₪4,070.46
• Price Target Upside: 16.80% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): 3.72
• Revenue Forecast (FY): ₪15.64B

• Rating: 63 Neutral
• Price Target: 3,589.00 ▲(2.98% Upside)
• Action: Reiterated Date: 03/24/26
• Date: Action: Reiterated 03/24/26

The score is driven primarily by solid underlying financial performance (healthy profitability and improved 2025 cash generation), tempered by rising leverage and a 2025 revenue decline. Technical signals are notably weak (below key moving averages with negative MACD), while valuation helps offset some of that risk due to the low P/E and strong dividend yield.

Positive Factors

Improved cash generation

A strong 2025 cash-flow rebound (OCF ~11.8B; FCF ~11.1B; FCF ≈ 0.94x net income) indicates the business can fund operations, dividends and reinvestment from internal cash. Durable cash conversion supports financial flexibility and earnings quality over the medium term.

Negative Factors

Rising leverage

A sharp increase in debt-to-equity (≈0.59 → ≈1.32) materially raises financial risk and reduces flexibility. For a regional bank, higher leverage can constrain lending capacity, increase funding costs, and elevate sensitivity to rate or credit stress, limiting strategic optionality.

Discount Business Overview & Revenue Model

Company Description

Israel Discount Bank Limited, together with its subsidiaries, provides various banking and financial services in Israel, Europe, and North America. The company operates through Retail Banking, Middle Market Banking, Corporate Banking, Financial Op...

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Israel Discount Bank Limited, together with its subsidiaries, provides various banking and financial services in Israel, Europe, and North America. The company operates through Retail Banking, Middle Market Banking, Corporate Banking, Financial Op...

Discount Financial Statement Overview

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	25.28B	27.26B	25.43B	15.52B	11.39B
Gross Profit	12.62B	15.95B	15.66B	12.51B	10.43B
EBITDA	6.61B	7.67B	7.23B	5.90B	4.86B
Net Income	4.14B	4.28B	4.19B	3.50B	2.77B
Balance Sheet
Total Assets	478.15B	436.54B	395.72B	376.75B	335.09B
Cash, Cash Equivalents and Short-Term Investments	74.54B	62.70B	48.66B	65.81B	59.73B
Total Debt	44.68B	43.45B	16.70B	13.57B	15.84B
Total Liabilities	442.81B	403.45B	366.49B	13.57B	15.84B
Stockholders Equity	33.81B	31.57B	28.47B	24.88B	21.48B
Cash Flow
Free Cash Flow	11.09B	3.40B	819.00M	-2.01B	3.48B
Operating Cash Flow	11.79B	4.23B	2.01B	-946.00M	4.46B
Investing Cash Flow	-37.49B	-26.71B	-29.30B	-28.26B	-25.50B
Financing Cash Flow	28.94B	35.81B	12.68B	33.69B	38.27B

Discount Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 3485.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IL:DSCT, the sentiment is Positive. The current price of 3485 is above the 20-day moving average (MA) of 3320.80, below the 50-day MA of 3620.00, and above the 200-day MA of 3352.57, indicating a neutral trend. The MACD of -98.34 indicates Negative momentum. The RSI at 53.94 is Neutral, neither overbought nor oversold. The STOCH value of 87.02 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IL:DSCT.

Discount Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
LUMI	70 Outperform	₪107.93B	10.63	15.67%	3.70%	6.95%	12.41%
POLI	69 Neutral	₪102.24B	10.49	15.13%	3.54%	19.05%	18.98%
MZTF	68 Neutral	₪61.20B	10.85	16.87%	4.11%	11.00%	6.03%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
DSCT	63 Neutral	₪40.79B	9.91	13.10%	3.69%	14.48%	4.65%
FIBI	62 Neutral	₪25.11B	11.12	15.81%	4.57%	14.16%	1.05%