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Israel Discount Bank Limited Class A (ISDAF)
OTHER OTC:ISDAF
US Market

Discount (ISDAF) Ratios

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Discount Ratios

ISDAF's free cash flow for Q3 2025 was ―. For the 2025 fiscal year, ISDAF's free cash flow was decreased by and operating cash flow was ―. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
0.17 0.00 51.71 41.07 32.95
Quick Ratio
0.17 0.00 51.71 41.07 32.95
Cash Ratio
0.17 0.00 51.09 40.52 32.39
Solvency Ratio
0.01 0.01 0.30 0.21 0.13
Operating Cash Flow Ratio
<0.01 0.00 -0.73 3.02 5.37
Short-Term Operating Cash Flow Coverage
0.00 0.00 0.00 0.00 0.00
Net Current Asset Value
-367.38B -313.91B 53.03B 44.70B 32.81B
Leverage Ratios
Debt-to-Assets Ratio
0.05 0.04 0.04 0.05 0.04
Debt-to-Equity Ratio
0.72 0.59 0.55 0.74 0.57
Debt-to-Capital Ratio
0.42 0.37 0.35 0.42 0.36
Long-Term Debt-to-Capital Ratio
0.42 0.37 0.35 0.42 0.36
Financial Leverage Ratio
14.02 13.90 15.14 15.60 15.33
Debt Service Coverage Ratio
0.43 -0.24 -0.60 -1.58 -0.50
Interest Coverage Ratio
0.60 0.92 1.76 4.46 1.40
Debt to Market Cap
0.53 0.74 0.60 0.65 0.76
Interest Debt Per Share
28.82 21.40 13.59 14.44 10.37
Net Debt to EBITDA
-4.53 0.00 0.00 0.00 0.00
Profitability Margins
Gross Profit Margin
56.81%107.46%100.00%100.00%100.00%
EBIT Margin
25.85%-4.28%-4.63%-5.16%-4.97%
EBITDA Margin
28.52%0.00%0.00%0.00%0.00%
Operating Profit Margin
25.85%61.76%42.38%41.13%15.43%
Pretax Profit Margin
25.85%45.26%42.53%41.49%15.25%
Net Profit Margin
15.77%28.77%27.94%26.59%9.87%
Continuous Operations Profit Margin
16.22%29.36%28.31%27.14%10.20%
Net Income Per EBT
61.00%63.56%65.70%64.10%64.74%
EBT Per EBIT
100.00%73.28%100.36%100.86%98.82%
Return on Assets (ROA)
0.94%1.06%0.93%0.83%0.33%
Return on Equity (ROE)
13.54%14.72%14.05%12.91%5.08%
Return on Capital Employed (ROCE)
6.08%2.27%1.41%1.29%0.52%
Return on Invested Capital (ROIC)
3.79%1.25%2.75%2.46%1.01%
Return on Tangible Assets
0.94%1.06%0.93%0.83%0.33%
Earnings Yield
9.63%18.47%15.51%11.38%6.75%
Efficiency Ratios
Receivables Turnover
0.00 10.71 15.77 12.81 13.22
Payables Turnover
0.00 0.00 0.00 0.00 0.00
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
6.75 2.57 2.45 2.50 2.61
Asset Turnover
0.06 0.04 0.03 0.03 0.03
Working Capital Turnover Ratio
-0.10 0.25 0.20 0.21 0.29
Cash Conversion Cycle
0.00 34.09 23.14 28.49 27.61
Days of Sales Outstanding
0.00 34.09 23.14 28.49 27.61
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
0.00 0.00 0.00 0.00 0.00
Operating Cycle
0.00 34.09 23.14 28.49 27.61
Cash Flow Ratios
Operating Cash Flow Per Share
1.48 1.63 -0.78 3.83 6.13
Free Cash Flow Per Share
0.80 0.66 -1.65 2.99 5.34
CapEx Per Share
0.68 0.97 0.87 0.84 0.79
Free Cash Flow to Operating Cash Flow
0.54 0.41 2.12 0.78 0.87
Dividend Paid and CapEx Coverage Ratio
1.01 0.90 -0.56 3.98 7.39
Capital Expenditure Coverage Ratio
2.18 1.69 -0.89 4.56 7.79
Operating Cash Flow Coverage Ratio
0.08 0.12 -0.07 0.28 0.65
Operating Cash Flow to Sales Ratio
0.07 0.14 -0.08 0.43 0.72
Free Cash Flow Yield
2.20%3.61%-8.92%14.28%43.04%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
10.36 5.41 6.45 8.79 14.82
Price-to-Sales (P/S) Ratio
1.63 1.56 1.80 2.34 1.46
Price-to-Book (P/B) Ratio
1.37 0.80 0.91 1.13 0.75
Price-to-Free Cash Flow (P/FCF) Ratio
45.34 27.72 -11.21 7.00 2.32
Price-to-Operating Cash Flow Ratio
24.53 11.28 -23.82 5.47 2.03
Price-to-Earnings Growth (PEG) Ratio
5.83 0.30 0.31 0.05 -0.35
Price-to-Fair Value
1.37 0.80 0.91 1.13 0.75
Enterprise Value Multiple
1.19 0.00 0.00 0.00 0.00
Enterprise Value
9.46B -9.27B -29.70B -19.51B -17.61B
EV to EBITDA
1.21 0.00 0.00 0.00 0.00
EV to Sales
0.34 -0.64 -2.37 -1.87 -1.78
EV to Free Cash Flow
9.56 -11.31 14.78 -5.61 -2.83
EV to Operating Cash Flow
5.17 -4.60 31.40 -4.38 -2.47
Tangible Book Value Per Share
27.85 23.51 296.67 273.09 241.94
Shareholders’ Equity Per Share
26.64 23.02 20.40 18.46 16.48
Tax and Other Ratios
Effective Tax Rate
0.38 0.35 0.34 0.35 0.36
Revenue Per Share
22.29 11.78 10.26 8.96 8.48
Net Income Per Share
3.51 3.39 2.87 2.38 0.84
Tax Burden
0.61 0.64 0.66 0.64 0.65
Interest Burden
1.00 -10.59 -9.19 -8.04 -3.07
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.00 0.36 0.06 0.06 0.06
Stock-Based Compensation to Revenue
<0.01 0.00 <0.01 <0.01 0.00
Income Quality
0.42 0.48 -0.27 1.57 7.08
Currency in ILS