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

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Discount Ratios

ISDAF's free cash flow for Q4 2025 was ₪0.51. For the 2025 fiscal year, ISDAF's free cash flow was decreased by ₪ and operating cash flow was ₪0.19. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 2.52 3.19 0.00 0.00 51.71
Quick Ratio
 2.52 3.19 0.00 0.00 51.71
Cash Ratio
 2.52 2.52 0.00 0.00 51.09
Solvency Ratio
 0.01 0.01 0.01 0.01 0.30
Operating Cash Flow Ratio
 0.11 0.50 0.00 0.00 -0.73
Short-Term Operating Cash Flow Coverage
 0.11 0.50 0.23 0.00 0.00
Net Current Asset Value
₪ -383.90B₪ -368.27B₪ -339.02B₪ -313.91B₪ 53.03B
Leverage Ratios
Debt-to-Assets Ratio
 0.09 0.09 0.10 0.04 0.04
Debt-to-Equity Ratio
 1.32 1.32 1.38 0.59 0.55
Debt-to-Capital Ratio
 0.57 0.57 0.58 0.37 0.35
Long-Term Debt-to-Capital Ratio
 0.38 0.38 0.39 0.37 0.35
Financial Leverage Ratio
 14.14 14.14 13.83 13.90 15.14
Debt Service Coverage Ratio
 0.13 0.12 0.17 0.50 1.36
Interest Coverage Ratio
 0.53 0.52 0.61 0.68 1.77
Debt to Market Cap
 1.10 1.05 1.21 0.74 0.61
Interest Debt Per Share
 46.51 46.22 42.58 21.40 13.59
Net Debt to EBITDA
 -2.01 -2.15 -2.51 -4.42 -8.86
Profitability Margins
Gross Profit Margin
52.23%49.91%58.52%61.56%80.62%
EBIT Margin
24.69%24.41%25.48%25.97%34.29%
EBITDA Margin
27.24%26.16%28.12%28.42%38.02%
Operating Profit Margin
24.80%25.13%25.48%25.97%34.29%
Pretax Profit Margin
24.16%24.41%25.48%25.97%34.29%
Net Profit Margin
15.89%16.38%15.70%16.48%22.53%
Continuous Operations Profit Margin
15.18%15.19%15.96%16.82%22.82%
Net Income Per EBT
65.80%67.10%61.62%63.46%65.70%
EBT Per EBIT
97.40%97.12%100.00%100.00%100.00%
Return on Assets (ROA)
0.87%0.87%0.98%1.06%0.93%
Return on Equity (ROE)
12.48%12.25%13.56%14.72%14.05%
Return on Capital Employed (ROCE)
1.42%1.40%1.59%1.67%1.42%
Return on Invested Capital (ROIC)
0.85%0.83%0.94%0.91%2.76%
Return on Tangible Assets
0.87%0.87%0.98%1.06%0.93%
Earnings Yield
10.38%9.95%13.36%18.47%15.80%
Efficiency Ratios
Receivables Turnover
 0.00 0.00 25.36 18.69 19.56
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
 5.21 5.06 4.50 4.49 3.04
Asset Turnover
 0.05 0.05 0.06 0.06 0.04
Working Capital Turnover Ratio
 -0.20 0.44 0.47 0.43 0.25
Cash Conversion Cycle
 0.00 0.00 14.39 19.53 18.66
Days of Sales Outstanding
 0.00 0.00 14.39 19.53 18.66
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 0.00 14.39 19.53 18.66
Cash Flow Ratios
Operating Cash Flow Per Share
 2.16 9.58 3.29 1.63 -0.78
Free Cash Flow Per Share
 1.56 9.01 2.64 0.66 -1.65
CapEx Per Share
 0.60 0.57 0.65 0.97 0.87
Free Cash Flow to Operating Cash Flow
 0.72 0.94 0.80 0.41 2.12
Dividend Paid and CapEx Coverage Ratio
 1.28 5.04 2.13 0.90 -0.56
Capital Expenditure Coverage Ratio
 3.59 16.81 5.06 1.69 -0.89
Operating Cash Flow Coverage Ratio
 0.06 0.26 0.10 0.12 -0.07
Operating Cash Flow to Sales Ratio
 0.10 0.47 0.16 0.08 -0.06
Free Cash Flow Yield
4.78%26.63%10.60%3.61%-9.09%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 9.63 10.05 7.49 5.41 6.33
Price-to-Sales (P/S) Ratio
 1.53 1.65 1.18 0.89 1.43
Price-to-Book (P/B) Ratio
 1.18 1.23 1.02 0.80 0.89
Price-to-Free Cash Flow (P/FCF) Ratio
 20.92 3.75 9.44 27.72 -11.01
Price-to-Operating Cash Flow Ratio
 15.10 3.53 7.57 11.28 -23.38
Price-to-Earnings Growth (PEG) Ratio
 -2.79 -3.48 3.63 0.30 0.31
Price-to-Fair Value
 1.18 1.23 1.02 0.80 0.89
Enterprise Value Multiple
 3.62 4.14 1.67 -1.28 -5.11
Enterprise Value
 25.65B 27.40B 12.80B -9.27B -30.12B
EV to EBITDA
 3.62 4.14 1.67 -1.28 -5.11
EV to Sales
 0.98 1.08 0.47 -0.36 -1.94
EV to Free Cash Flow
 13.46 2.47 3.77 -11.31 14.98
EV to Operating Cash Flow
 9.71 2.32 3.02 -4.60 31.84
Tangible Book Value Per Share
 28.88 28.70 25.60 23.51 296.67
Shareholders’ Equity Per Share
 27.64 27.47 24.55 23.02 20.40
Tax and Other Ratios
Effective Tax Rate
 0.37 0.38 0.38 0.35 0.34
Revenue Per Share
 21.29 20.54 21.20 20.56 12.72
Net Income Per Share
 3.38 3.36 3.33 3.39 2.87
Tax Burden
 0.66 0.67 0.62 0.63 0.66
Interest Burden
 0.98 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.08 0.01 0.02 0.01 0.02
Stock-Based Compensation to Revenue
 <0.01 0.00 0.00 0.00 0.00
Income Quality
 0.65 2.95 0.97 0.48 -0.27
Currency in ILS