Israel Discount Bank Limited Class A (IL:DSCT)
TASE:DSCT
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Discount
(TASE:DSCT)
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Rating:64Neutral
Price Target:
3,296.00
▼(-4.21% Downside)
Action:Reiterated
Date:05/19/26
The score is driven primarily by mixed financial quality: solid margins and ROE are offset by softer revenue trends, higher leverage, and uneven cash-flow consistency. Technicals are a meaningful near-term drag given broad trading below key moving averages and negative momentum. Valuation supports the score with a low P/E and strong dividend yield.
Positive Factors
Profitability / Margins
Sustained high TTM margins and mid-teens ROE indicate durable core profitability for a regional bank. Strong EBIT and net margins provide a buffer versus cyclical revenue swings, supporting internal reinvestment, dividend capacity and resilience through modest economic slowdowns.
Negative Factors
Rising Leverage
Material increase in leverage versus prior years meaningfully raises financial risk for a regional bank. Higher debt-to-equity increases sensitivity to funding cost shocks and limits flexibility for acquisitions or rapid balance-sheet adjustments, heightening vulnerability if credit conditions tighten.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability / Margins
Sustained high TTM margins and mid-teens ROE indicate durable core profitability for a regional bank. Strong EBIT and net margins provide a buffer versus cyclical revenue swings, supporting internal reinvestment, dividend capacity and resilience through modest economic slowdowns.
Read all positive factors
Discount (DSCT) vs. iShares MSCI Israel ETF (EIS)
Market Cap
₪36.62B
Dividend Yield3.69%
Average Volume (3M)3.00M
Price to Earnings (P/E)9.1
Beta (1Y)1.21
Revenue Growth22.83%
EPS Growth-5.05%
CountryIL
Employees8,625
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.28
Shares Outstanding1,223,504,000
10 Day Avg. Volume3,177,080
30 Day Avg. Volume2,996,804
Financial Highlights & Ratios
PEG Ratio-3.48
Price to Book (P/B)1.23
Price to Sales (P/S)1.65
P/FCF Ratio3.75
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₪4,000.00Price Target Upside16.25% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)3.72
Revenue Forecast (FY)₪15.51B
Discount Business Overview & Revenue Model
Company Description
Israel Discount Bank Limited, operating alongside its various subsidiaries, delivers a broad spectrum of banking and financial services throughout Israel, Europe, and North America. The company structures its operations across distinct segments, i...
Discount Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
63
Positive
Cash Flow
58
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 25.02B | 25.28B | 27.26B | 25.43B | 15.52B | 11.39B |
| Gross Profit | 12.54B | 12.62B | 15.95B | 15.66B | 12.51B | 10.43B |
| EBITDA | 6.75B | 6.61B | 7.67B | 7.23B | 5.90B | 4.86B |
| Net Income | 4.03B | 4.14B | 4.28B | 4.19B | 3.50B | 2.77B |
Balance Sheet | ||||||
| Total Assets | 477.11B | 478.15B | 436.54B | 395.72B | 376.75B | 335.09B |
| Cash, Cash Equivalents and Short-Term Investments | 53.69B | 74.54B | 62.70B | 48.66B | 65.81B | 59.73B |
| Total Debt | 43.90B | 44.68B | 43.45B | 16.70B | 13.57B | 15.84B |
| Total Liabilities | 441.40B | 442.81B | 403.45B | 366.49B | 13.57B | 15.84B |
| Stockholders Equity | 34.15B | 33.81B | 31.57B | 28.47B | 24.88B | 21.48B |
Cash Flow | ||||||
| Free Cash Flow | 4.04B | 11.09B | 3.40B | 819.00M | -2.01B | 3.48B |
| Operating Cash Flow | 4.78B | 11.79B | 4.23B | 2.01B | -946.00M | 4.46B |
| Investing Cash Flow | -38.83B | -37.49B | -26.71B | -29.30B | -28.26B | -25.50B |
| Financing Cash Flow | 24.66B | 28.94B | 35.81B | 12.68B | 33.69B | 38.27B |
Discount Technical Analysis
Negative
3441.00
Price Trends
3180.11
Negative
3410.90
Negative
3322.73
Negative
Market Momentum
-72.71
Positive
41.40
Neutral
25.56
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IL:DSCT, the sentiment is Negative. The current price of 3441 is above the 20-day moving average (MA) of 3041.62, above the 50-day MA of 3180.11, and above the 200-day MA of 3322.73, indicating a bearish trend. The MACD of -72.71 indicates Positive momentum. The RSI at 41.40 is Neutral, neither overbought nor oversold. The STOCH value of 25.56 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IL:DSCT.
Discount Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | ₪53.58B | 9.60 | 16.87% | 4.11% | 12.78% | 1.42% | |
70 Outperform | ₪100.66B | 9.94 | 15.67% | 3.70% | 17.99% | 9.86% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | ₪36.62B | 9.13 | 13.10% | 3.69% | 22.83% | -5.05% | |
64 Neutral | ₪92.53B | 9.95 | 15.13% | 3.54% | 20.24% | 17.76% | |
58 Neutral | ₪23.36B | 10.57 | 15.81% | 4.57% | 21.26% | -5.22% |
* Financial Sector Average
IL:DSCT
Discount
2,993.00
274.75
10.11%
IL:LUMI
Leumi
6,829.00
1,447.57
26.90%
IL:FIBI
Fibi Bank
23,290.00
3,977.47
20.60%
IL:MZTF
Mizrahi Tefahot
20,600.00
2,588.86
14.37%
IL:POLI
Poalim
7,069.00
1,632.65
30.03%
IL:JBNK
Jerusalem
2,183.00
370.35
20.43%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
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.