Leumi (LUMI) AI Stock Analysis

• Market Cap: $90.49B
• Dividend Yield: 3.08%
• Average Volume (3M): 4.36M
• Price to Earnings (P/E): 9.7
• Beta (1Y): 1.17
• Revenue Growth: 15.48%
• EPS Growth: 41.19%
• Country: IL
• Employees: 7,833
• Sector: Financial
• Sector Strength: 79
• Industry: Banks - Regional
• EPS (TTM): 160.00
• Shares Outstanding: 1,494,655,800
• 10 Day Avg. Volume: 4,526,555
• 30 Day Avg. Volume: 4,364,716
• PEG Ratio: 1.39
• Price to Book (P/B): 1.54
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 6.55
• 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: $7,148.58
• Price Target Upside: 18.08% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 78 Outperform
• Price Target: ―

Leumi's robust financial performance, characterized by strong revenue and net income growth, minimal debt, and solid cash reserves, is the primary driver of its stock score. The technical indicators show positive momentum, although there is a hint of potential short-term volatility. Valuation metrics further enhance the score, with the stock appearing undervalued and offering a decent dividend yield. Overall, Leumi presents a compelling investment case in the regional banking sector.

Leumi Business Overview & Revenue Model

Company Description

Leumi (LUMI) is a leading financial services group headquartered in Israel, offering a comprehensive range of banking and financial solutions. The bank operates across various sectors including retail, corporate, and private banking, as well as investment and international banking. Leumi provides services such as deposit accounts, loans, mortgages, credit cards, investment advisory, asset management, and insurance products, catering to both individual and business clients.

How the Company Makes Money

Leumi generates revenue primarily through interest income from loans and mortgages issued to individuals and businesses. The bank also earns money from fees and commissions associated with its various financial services, including transaction fees from credit cards, account management fees, and advisory fees from investment banking services. Additionally, Leumi benefits from trading and investment income through its asset management and securities operations. Partnerships with financial technology firms and strategic collaborations with other financial institutions enhance its service offerings and contribute to its profitability.

Leumi Financial Statement Overview

Summary

Leumi exhibits strong financial health with impressive revenue and net income growth. The balance sheet reflects stability with minimal debt and strong cash reserves. Despite positive cash flow trends, fluctuations in operating cash flows warrant attention. Overall, Leumi is well-positioned in the regional banking sector, with opportunities to enhance operational efficiency and equity growth.

Income Statement

Leumi has demonstrated strong revenue growth over the years, with a 17.4% increase from 2023 to 2024. The net profit margin has improved to 44.4% in 2024, up from 37.4% in 2023, indicating enhanced profitability. However, the absence of EBIT and EBITDA margins in 2024 is a notable gap, making it challenging to assess operational efficiency comprehensively.

Balance Sheet

Leumi maintains a robust equity position with an equity ratio of 7.85% in 2024. The debt-to-equity ratio is effectively nil, showcasing financial stability and minimal leverage risks. However, the equity growth has been moderate relative to total asset growth, which could be an area for improvement.

Cash Flow

Cash flow performance has been solid, with a significant turnaround in free cash flow from -966 million in 2023 to 14.3 billion in 2024. The operating cash flow to net income ratio improved, indicating better cash conversion. However, volatility in operating cash flows over the years suggests potential cash flow management challenges.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	22.07B	18.80B	17.73B	16.67B	10.54B
Gross Profit	22.07B	21.00B	17.73B	16.67B	10.54B
EBITDA	0.00	0.00	0.00	0.00	0.00
Net Income	9.80B	7.03B	7.71B	6.03B	2.10B
Balance Sheet
Total Assets	785.55B	731.50B	699.17B	656.45B	556.03B
Cash, Cash Equivalents and Short-Term Investments	155.83B	102.47B	180.64B	194.22B	132.62B
Total Debt	0.00	32.76B	28.37B	16.23B	17.23B
Total Liabilities	723.89B	677.00B	649.72B	614.40B	517.94B
Stockholders Equity	61.66B	54.50B	49.44B	41.61B	37.66B
Cash Flow
Free Cash Flow	14.30B	-966.00M	5.33B	4.66B	4.96B
Operating Cash Flow	15.04B	-133.00M	6.09B	5.20B	5.56B
Investing Cash Flow	-8.32B	-98.23B	-72.89B	-43.27B	-25.84B
Financing Cash Flow	42.07B	20.03B	52.47B	100.24B	80.51B

Leumi Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 6054.00
• 50DMA: Positive
• 100DMA: Positive
• 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:LUMI, the sentiment is Positive. The current price of 6054 is above the 20-day moving average (MA) of 5864.30, above the 50-day MA of 5519.71, and above the 200-day MA of 4563.63, indicating a bullish trend. The MACD of 200.65 indicates Negative momentum. The RSI at 69.60 is Neutral, neither overbought nor oversold. The STOCH value of 90.24 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IL:LUMI.

Leumi Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FIBI	84 Outperform	23.83B	10.22	17.88%	3.47%	14.92%	9.16%
MZTF	81 Outperform	$56.92B	10.37	18.08%	3.62%	13.33%	10.71%
POLI	80 Outperform	$82.95B	10.36	14.26%	3.46%	14.61%	3.90%
LUMI	78 Outperform	$90.49B	9.71	15.61%	3.08%	15.48%	41.19%
DSCT	74 Outperform	40.57B	9.59	13.82%	3.06%	10.93%	2.20%
Sector *	58 Neutral	$12.54B	5.84	-2.71%	5.27%	5.88%	-56.03%

Leumi Corporate Events

Bank Leumi to Announce 2024 Financial Results on March 4, 2025

Bank Leumi has announced that it will release its Fourth Quarter and Full Year 2024 Financial Results on March 4, 2025. A conference call and webcast for analysts and investors will be hosted by the company’s top executives on the same day to discuss the financial outcomes, with a Q&A session included. This announcement is significant as it provides stakeholders an opportunity to gain insights into the bank’s financial performance and strategic directions.

Leumi Announces Early Redemption of Series 403 Notes

Leumi, a bank with securities listed on the Tel Aviv Stock Exchange, announced the early full redemption of its deferred commitment notes (Series 403), totaling NIS 1,705,697,516, to occur on February 28, 2025. This strategic financial decision is expected to improve the company’s financial standing and provide clarity for investors, enhancing its market position and potentially impacting stakeholder interests positively.

Leumi Announces Upcoming Interest Payment Details

Leumi has announced an interest payment for a period from January 24, 2025, to February 23, 2025, calculated on an annual interest rate of 6.8%. The interest payment will occur on February 24, 2025, with specific tax rates applicable for individuals and corporations, reflecting the company’s adherence to regulatory requirements.

Leumi Schedules Interest Payment for February 2025

Leumi has announced an interest payment set for February 24, 2025, calculated at an annual interest rate of 6.8000% for the period from January 24, 2025, to February 23, 2025. The ex-date for this interest payment is February 18, 2025, with individual and corporate tax rates set at 15% and 23% respectively. This announcement highlights Leumi’s ongoing financial operations and its compliance with regulatory reporting standards, reinforcing its position and transparency as a listed company on the Tel Aviv Stock Exchange.

Leumi Extends and Amends Agreement with Bank Leumi

Leumi, through its wholly-owned subsidiary Max It Finance Ltd., has announced an amendment to its existing agreement with Bank Leumi of Israel Ltd. The updated agreement extends the commitment period to January 31, 2031, and modifies the terms of revenue sharing from fees and operational costs between the parties. This move, however, is not expected to significantly impact Max’s business results.