tiprankstipranks
Trending News
More News >
Israel Discount Bank Limited Class A (IL:DSCT)
:DSCT

Discount (DSCT) AI Stock Analysis

Compare
1 Followers

Top Page

IL

Discount

(OTC:DSCT)

Rating:74Outperform
Price Target:
Discount Bank demonstrates strong financial performance with robust revenue growth, profitability, and a debt-free balance sheet, which are key strengths. Technical analysis suggests mixed signals with some upward momentum but caution due to negative MACD. The valuation is favorable, with an attractive P/E ratio and solid dividend yield, enhancing the investment appeal. However, volatility in cash flow growth and slight ROE decline are points to watch.

Discount (DSCT) vs. iShares MSCI Israel ETF (EIS)

Discount Business Overview & Revenue Model

Company DescriptionIsrael 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 Operations, Discount Capital, Discount Bancorp, Israel Credit Cards Company, and Other segments. Its personal banking services include checking accounts, deposits and savings products, loans and credit facilities, mortgages, credit cards, capital market products, consulting services, family banking programs, and tax exemption services. The company also provides accounts, credit, funds, credit cards, and loans for small businesses; commercial business products for factories, workshops, service providers, and merchants; corporate, residential and commercial construction, infrastructure, and rental property financing; and personal consulting services for corporations and executives in various fields of investment, inliquidity, and asset management; brokerage and trading services; customized services for diamond traders; and capital market consulting, including foreign trade, documentary collection and credit, foreign guarantee, export financing, online foreign trade, anti money laundering, and mutual fund services. In addition, it offers tools for capital market transactions; provides Israeli private banking, foreign currency, commercial payment, securities custody and execution, capital market advisory, international banking, portfolio management, and online and digital banking services; manages securities investment portfolios for private customers, corporations, not-for-profit organizations, and institutional bodies; and initiates and assists public offerings and private placements, as well as provides underwriting and distribution services. The company operates through a chain of 171 branches in Israel. Israel Discount Bank Limited was incorporated in 1935 and is based in Tel Aviv, Israel.
How the Company Makes MoneyDiscount (DSCT) generates revenue primarily through the sale of goods in its retail stores and online marketplace. The company's key revenue streams include direct sales of its diverse product offerings, which cater to a broad customer base seeking affordability and value. Additionally, DSCT may engage in partnerships with suppliers and manufacturers to secure products at competitive prices, further enhancing its ability to offer discounts. Another potential revenue stream could be private-label products, which allow the company to capture higher margins. Factors contributing to its earnings include effective supply chain management and the strategic positioning of stores in high-traffic areas to maximize sales volume.

Discount Financial Statement Overview

Summary
Income Statement
Balance Sheet
Cash Flow
Breakdown
Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income StatementTotal Revenue
15.95B14.57B12.51B10.43B9.88B
Gross Profit
15.95B15.66B12.51B10.43B9.88B
EBIT
0.009.00B5.30B4.29B1.52B
EBITDA
0.000.000.000.000.00
Net Income Common Stockholders
4.28B4.19B3.50B2.77B975.00M
Balance SheetCash, Cash Equivalents and Short-Term Investments
62.70B48.66B65.81B59.73B43.04B
Total Assets
436.54B395.72B376.75B335.09B293.97B
Total Debt
0.0016.70B13.57B15.84B10.98B
Net Debt
-62.70B-34.51B-52.24B-43.88B-32.06B
Total Liabilities
403.45B366.49B13.57B15.84B10.98B
Stockholders Equity
31.57B28.47B24.88B21.48B19.18B
Cash FlowFree Cash Flow
3.40B819.00M-2.01B3.48B6.22B
Operating Cash Flow
4.23B2.01B-946.00M4.46B7.13B
Investing Cash Flow
-26.71B-29.30B-27.45B-25.50B-19.24B
Financing Cash Flow
35.81B12.68B33.69B38.27B28.84B

Discount Technical Analysis

Technical Analysis Sentiment
Positive
Last Price2917.00
Price Trends
50DMA
2743.06
Positive
100DMA
2709.49
Positive
200DMA
2444.47
Positive
Market Momentum
MACD
48.22
Positive
RSI
56.23
Neutral
STOCH
50.74
Neutral
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 2917 is above the 20-day moving average (MA) of 2910.71, above the 50-day MA of 2743.06, and above the 200-day MA of 2444.47, indicating a bullish trend. The MACD of 48.22 indicates Positive momentum. The RSI at 56.23 is Neutral, neither overbought nor oversold. The STOCH value of 50.74 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IL:DSCT.

Discount Peers Comparison

Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
74
Outperform
$36.44B8.6013.82%3.32%10.93%2.20%
64
Neutral
$12.87B9.817.76%16985.65%12.28%-7.83%
$24.23B9.3915.61%3.17%
$6.18B7.9417.88%5.07%
$14.83B6.0418.08%6.65%
$21.89B10.1114.26%2.76%
8.05B7.16
5.63%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IL:DSCT
Discount
2,917.00
1,135.95
63.78%
BLMIF
Leumi
15.88
8.01
101.78%
FBKIF
Fibi Bank
50.00
9.69
24.04%
MZTFF
Mizrahi Tefahot
34.68
2.28
7.04%
BKHPF
Poalim
16.68
8.16
95.77%
IL:FIBIH
Fibi Holdings
22,920.00
9,044.74
65.19%

Discount Corporate Events

Discount Company Updates on Senior Office Holders
Feb 16, 2025

Discount company has provided an update on the status of its senior office holders as of February 16, 2025. This update includes details about the roles, committee memberships, and financial accounting expertise of various directors within the organization. The announcement is significant as it outlines the leadership structure and committee responsibilities, which can impact the company’s operational focus and strategic direction. The details reflect the company’s commitment to governance and expertise in financial management, potentially influencing stakeholder confidence.

Discount Announces Departure of Senior Director
Feb 16, 2025

Discount has announced the cessation of service of Yodfat Harel-Buchris as a Regular Director on February 16, 2025, after nearly nine years of tenure. Harel-Buchris, who was a member of several key committees including Credit, Compensation, Technology and Innovation, and Resources, will not continue in any capacity within the corporation. The company noted that her departure does not impact the percentage of independent directors on the board, maintaining a majority as required.

Discount Company Appoints New Director with Finance and Tech Expertise
Feb 16, 2025

Discount company has announced the appointment of Etzion Israel Elik as a regular director effective February 16, 2025. Elik, who holds a Master’s degree in Business Administration with a specialization in finance, brings significant experience from his previous roles, including VP at Elron Ventures Ltd. and cyber defense manager at Bank Hapoalim Ltd. This appointment underscores Discount’s strategic focus on enhancing its leadership team with expertise in finance and technology, potentially impacting the company’s operational dynamics and market position.

Israel Discount Bank Ltd. Retains Stable Rating with Strategic Growth Plans
Feb 10, 2025

Israel Discount Bank Ltd. has retained its stable rating, reflecting a solid financial foundation and strategic plans for growth. The bank aims to increase profitability and market share through innovation and improved customer engagement, with a stable outlook for continued growth and operational improvements.

Israel Discount Bank Maintains Positive Outlook Amid Challenges
Feb 10, 2025

Israel Discount Bank announced a positive performance outlook despite facing challenging economic and geopolitical conditions in Israel and globally. The bank aims to expand its operations and enhance profitability through strategic initiatives focusing on efficiency and risk management. While the interest rate environment remains challenging, the bank maintains stable financial indicators and a risk-adjusted capital ratio, with expectations of growth in key financial metrics over the coming years.

Y.D. More Investments Ltd Reduces Stake in Discount
Feb 10, 2025

Y.D. More Investments Ltd has sold a significant number of Discount’s ordinary shares, reducing its stake and ceasing to be an interested party in the corporation. This change in holdings may affect Discount’s market dynamics and impact its shareholder composition, reflecting shifts in investment strategies of institutional stakeholders.

Israel Discount Bank Faces Geopolitical Challenges Amid Strategic Growth
Feb 6, 2025

Israel Discount Bank Ltd. faces potential risks due to geopolitical tensions, impacting Israel’s economic outlook and posing challenges to the bank’s credit conditions. Despite these challenges, the bank’s diversified business model supports earnings resilience, though profitability may decline moderately as the bank focuses on improving efficiency and stabilizing capitalization. The bank’s asset quality remains a key risk, particularly due to its exposure to small and midsize enterprises and the real estate sector. The negative outlook reflects potential downgrades if geopolitical risks escalate, but the bank is on track to achieve its business goals and continues to leverage digital solutions for growth.

Israel Discount Bank Faces Geopolitical Challenges Amid Earnings Resilience
Feb 6, 2025

Israel Discount Bank Ltd. (IDB) faces challenges due to geopolitical tensions impacting Israel’s economic outlook, which could affect its creditworthiness and asset quality. Despite these challenges, IDB’s diversified business model supports its earnings resilience. The bank anticipates a moderation in earnings post-2023 but expects its capitalization to stabilize over the next two years. The bank’s exposure to the real estate and construction sectors presents ongoing risks, although its diversified revenue base and strong customer deposit base provide some stability. The outlook remains negative due to potential escalations in the regional conflict, with possible ratings downgrades if economic risks increase.

Israel Discount Bank Ltd.: Navigating Geopolitical Challenges with a Diversified Approach
Feb 6, 2025

Israel Discount Bank Ltd. faces potential risks due to geopolitical tensions affecting Israel, which could impact its creditworthiness and the overall economic outlook. Despite these challenges, the bank’s diversified business model is expected to support earnings resilience, though it anticipates moderate declines in earnings. The bank is focusing on improving efficiency, aiming for a return on equity exceeding 12.5% and an efficiency ratio below 55% by 2025. The bank’s exposure to small businesses and the real estate sector remains a key risk, particularly in light of potential economic slowdowns and geopolitical uncertainties.

Geopolitical Tensions Pose Risks for Israel Discount Bank Amid Diversification Efforts
Feb 6, 2025

The recent geopolitical tensions are presenting potential risks to Israeli banks, including Israel Discount Bank Ltd. (IDB), impacting Israel’s economic outlook and potentially affecting the bank’s asset quality and performance. Despite these challenges, IDB’s diversified business model is expected to support its earnings resilience. The bank is pursuing efforts to improve efficiency and is on track to meet its 2020-2025 business goals, although increased provisions due to ongoing conflicts might impair profitability. The outlook remains negative, indicating that further escalation could have negative implications for the bank’s creditworthiness over the next 12-24 months.

Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.