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Discount
(TASE:DSCT)
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Rating:65Neutral
Price Target:
3,923.00
▲(14.94% Upside)
Action:Reiterated
Date:08/18/26
The score is driven primarily by solid but uneven financial performance: profitability and recent cash generation are strengths, while the recent revenue decline and prior leverage swings temper confidence. Technicals add a modest tailwind (above key shorter-term averages but still below the 200-day), and valuation is supportive due to a low P/E and a strong dividend yield.
Positive Factors
Resilient Profitability
Sustained net margins in the mid-to-high teens indicate resilient earnings power despite recent operating pressure. This profitability provides an internal cushion for investment and shareholder returns, while supporting the bank’s ability to absorb moderate changes in revenue or costs over the next several quarters.
Negative Factors
Declining Revenue
The recent decline in revenue, including a double-digit TTM reduction, signals weakening top-line momentum and limits the company’s ability to expand earnings organically. If sustained, weaker revenue can pressure operating leverage, reduce reinvestment capacity, and constrain future profitability growth.
Read all positive and negative factors
Positive Factors
Negative Factors
Resilient Profitability
Sustained net margins in the mid-to-high teens indicate resilient earnings power despite recent operating pressure. This profitability provides an internal cushion for investment and shareholder returns, while supporting the bank’s ability to absorb moderate changes in revenue or costs over the next several quarters.
Read all positive factors
Discount (DSCT) vs. iShares MSCI Israel ETF (EIS)
Market Cap
₪40.53B
Dividend Yield4.79%
Average Volume (3M)2.84M
Price to Earnings (P/E)10.1
Beta (1Y)1.07
Revenue Growth-4.38%
EPS Growth-4.54%
CountryIL
Employees6,849
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.27
Shares Outstanding1,223,636,100
10 Day Avg. Volume2,947,239
30 Day Avg. Volume2,842,956
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 TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)3.8
Revenue Forecast (FY)₪17.59B
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
63
Positive
Balance Sheet
58
Neutral
Cash Flow
66
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 25.10B | 25.28B | 27.26B | 25.43B | 15.52B | 11.39B |
| Gross Profit | 12.45B | 12.62B | 15.95B | 15.66B | 12.51B | 10.43B |
| EBITDA | 6.79B | 6.86B | 7.67B | 7.23B | 5.90B | 4.86B |
| Net Income | 4.12B | 4.14B | 4.28B | 4.19B | 3.50B | 2.77B |
Balance Sheet | ||||||
| Total Assets | 483.46B | 478.15B | 436.54B | 395.72B | 376.75B | 335.09B |
| Cash, Cash Equivalents and Short-Term Investments | 49.13B | 74.54B | 62.70B | 48.66B | 65.81B | 59.73B |
| Total Debt | 27.62B | 44.68B | 43.45B | 16.70B | 13.57B | 15.84B |
| Total Liabilities | 447.10B | 442.81B | 403.45B | 366.49B | 13.57B | 15.84B |
| Stockholders Equity | 34.79B | 33.81B | 31.57B | 28.47B | 24.88B | 21.48B |
Cash Flow | ||||||
| Free Cash Flow | 7.22B | 11.09B | 3.40B | 819.00M | -2.01B | 3.48B |
| Operating Cash Flow | 7.92B | 11.79B | 4.23B | 2.01B | -946.00M | 4.46B |
| Investing Cash Flow | -37.47B | -37.49B | -26.71B | -29.30B | -28.26B | -25.50B |
| Financing Cash Flow | 16.15B | 28.94B | 35.81B | 12.68B | 33.69B | 38.27B |
Discount Technical Analysis
Negative
3413.00
Price Trends
3391.75
Negative
3194.98
Positive
3327.05
Negative
Market Momentum
-15.66
Positive
34.15
Neutral
11.34
Positive
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 3413 is below the 20-day moving average (MA) of 3518.55, above the 50-day MA of 3391.75, and above the 200-day MA of 3327.05, indicating a bearish trend. The MACD of -15.66 indicates Positive momentum. The RSI at 34.15 is Neutral, neither overbought nor oversold. The STOCH value of 11.34 is Positive, 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 (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | ₪95.38B | 10.21 | 15.13% | 4.11% | 3.03% | 12.52% | |
76 Outperform | ₪105.02B | 10.19 | 15.67% | 4.62% | 0.96% | 8.30% | |
71 Outperform | ₪57.62B | 10.35 | 16.87% | 4.83% | 0.78% | 0.99% | |
65 Neutral | ₪40.53B | 10.13 | 13.10% | 4.79% | -4.38% | -4.54% | |
64 Neutral | ₪22.01B | 10.20 | 15.81% | 7.93% | 6.44% | -8.63% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IL:DSCT
Discount
3,312.00
185.37
5.93%
IL:LUMI
Leumi
7,154.00
1,021.47
16.66%
IL:FIBI
Fibi Bank
21,940.00
-128.98
-0.58%
IL:MZTF
Mizrahi Tefahot
22,110.00
1,778.61
8.75%
IL:POLI
Poalim
7,310.00
1,029.72
16.40%
IL:JBNK
Jerusalem
1,932.00
-444.34
-18.70%
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.