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Poalim (POLI) Stock Price & Analysis
POLI Stock Chart & Stats
- Day’s Range
- ILA 7,222.00 - ILA 7,372.00
- 52-Week Range
- ILA 6,312.95 - ILA 8,263.02
- Previous Close
- ILA 7,342.00
- Volume
- 0
- Average Volume (3M)
- 2.48M
- Market Cap
- ILS 94.98B
- Enterprise Value
- ILS 98.09B
- Total Cash (Recent Filing)
- ILS 60.92B
- Total Debt (Recent Filing)
- ILS 69.19B
- Price to Earnings (P/E)
- 10.2
- Beta
- 0.85
- Next Earnings
- Mar 11, 2027 (Est.)
- EPS Estimate
- N/A
- Last Dividend Ex-Date
- Aug 19, 2026
- Dividend Yield
- 4.13%
Bulls Say, Bears Say
Bulls Say
Strong Profitability And ROE
High profitability and ROE demonstrate strong earnings power and effective use of shareholder capital. Sustained performance above annual targets provides a durable foundation for retained capital growth, shareholder distributions and resilience across the regional banking cycle.
Diversified Credit Growth And Asset Quality
Double-digit, diversified lending growth expands the bank’s earning-asset base across retail, mortgages, mid-market and corporate customers. Very low NPLs and strong coverage indicate disciplined underwriting, limiting the risk that growth materially weakens future credit quality.
Strong Cost Discipline And Operating Efficiency
Lower expenses and a strong cost-income ratio provide durable operating leverage, helping protect profitability if revenue growth moderates. The planned early-retirement program, expected to save about ILS 300 million annually, could further support efficiency over the medium term.
Bears Say
Higher Balance-Sheet Leverage
The substantial rise in leverage increases sensitivity to funding conditions, credit losses and balance-sheet stress compared with prior years. Although assets and equity are growing, the more leveraged structure can constrain flexibility if economic or banking-sector risks intensify.
NIM Sensitivity To CPI And Rate Cuts
Recent margin improvement relies partly on CPI-linked income, while underlying financing growth was more modest. Expected rate cuts and competition could compress NIM, making future earnings growth less durable and increasing dependence on loan expansion and cost control.
Capital Buffer Pressure From Growth And Payouts
Fast credit growth alongside 50%–60% payout targets can limit the rate at which capital accumulates internally. A thinner buffer may require slower expansion, reduced distributions or new capital if risk-weighted assets grow quickly or the operating environment deteriorates.
Poalim News
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Company Description
Poalim
Bank Hapoalim B.M., along with its subsidiaries, delivers a comprehensive suite of banking and financial solutions to clients both within Israel and across international markets. The institution's operations are structured into three main divisions: Corporate Banking, Retail Banking, and Financial Markets and International Banking. For individual clients, the bank provides core services such as account management, diverse credit options, various deposit and savings plans, capital market services, pension advisory, retirement planning, and housing loans. Its corporate offerings include credit for daily operations and investment financing, issuing guarantees and letters of credit, facilitating foreign trade, and transactions in financial and derivative instruments. Bank Hapoalim also extends investment services across different channels, including foreign currency, shekels, and securities. The company further specializes in financing for large-scale infrastructure and construction projects, international trade, and general project funding. It supports working capital needs, offers syndication, credit-risk sales, and dealing-room services. Additional provisions include federal deposit insurance, credit card services, payment clearing, asset management, investment portfolio management, investment banking, underwriting, and the management of new issuances. Bank Hapoalim caters to a wide array of clients, including households, private banking customers, foreign residents, small businesses, financial asset managers, middle-market enterprises, and large corporations. These services are accessible through an extensive network featuring 175 physical branches, 601 external and 131 internal automated teller machines, 126 external and 216 internal check-deposit machines, 30 information stations, 316 self-service stations, and 119 night safes. Established in 1921, Bank Hapoalim B.M. is headquartered in Tel Aviv, Israel.
- Sector
- General
- Industry
- Banks - Regional
- CEO
- Yadin Antebi
- Employees
- 8,409
- Website
- www.bankhapoalim.co.il
- Address
- 50 Rothschild Boulevard, Tel Aviv, TA, 6688314, IL
Poalim (POLI) Earnings & Revenues
POLI Earnings Call
Earnings Call SentimentPositive
The call presented a strongly positive operational and financial performance: robust profitability (Q2 net profit up 17.1% QoQ), high ROE (15%, ~16.4% excl. special tax), diversified double-digit YoY credit growth (14.3%), very low NPLs (0.5%) with strong coverage, controlled expenses (cost-income ~30.6%) and healthy liquidity and capital metrics. Key negatives are management-confirmed constraints and risks: the special bank tax materially suppresses reported ROE, provisions remain elevated (cost of risk 0.22%) with allowance ratio slightly diluted by growth, financing income benefitted significantly from CPI (masking underlying momentum), potential NIM pressure from expected rate cuts, some retail deposit shifts and a modest compression of capital buffers due to fast growth and a high payout policy. Overall, positives (profitability, growth, asset quality, cost control, liquidity) outweigh the measured headwinds and uncertainties discussed.
View all IL:POLI earnings summariesTechnical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 5 | 3 | 14 |
| Technical Analysis | 5 | 3 | 2 |
| Moving Averages | 0 | 0 | 12 |









