Discount (ISDAF) Stock Price & Analysis
ISDAF Stock Chart & Stats
- Day’s Range
- $10.03 - $11.03
- 52-Week Range
- $9.05 - $13.90
- Previous Close
- $10.70
- Volume
- N/A
- Average Volume (3M)
- 0
- Market Cap
- $12.78B
- Enterprise Value
- $30.76B
- Total Cash (Recent Filing)
- $49.13B
- Total Debt (Recent Filing)
- $27.62B
- Price to Earnings (P/E)
- 9.9
- Beta
- 0.54
- Next Earnings
- Nov 23, 2026 (Est.)
- EPS Estimate
- 0.34
- Last Dividend Ex-Date
- Aug 27, 2026
- Dividend Yield
- 5.35%
Bulls Say, Bears Say
Bulls Say
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.
Strong Recent Cash Generation
Strong recent operating and free cash flow supports the quality of reported earnings and gives the company greater flexibility to fund operations, maintain capital, and return money to shareholders. The sharp free-cash-flow improvement is a meaningful fundamental support over the medium term.
Efficient Capital Use
A consistently positive return on equity in the low-to-mid teens indicates that management has generally converted shareholder capital into earnings effectively. This supports the bank’s fundamental franchise and suggests capital productivity remains a durable strength even as growth has softened.
Bears Say
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.
Leverage Volatility
The sharp movement in debt relative to equity highlights balance-sheet volatility rather than a consistently conservative funding profile. Although leverage has improved in the latest period, the prior elevated debt load can increase financial sensitivity and restrict flexibility during weaker operating conditions.
Inconsistent Cash Conversion
Recent cash generation is strong, but the historical record includes negative operating and free cash flow and weak conversion in earlier periods. That inconsistency suggests cash earnings can be cyclical, making internal funding less dependable and increasing sensitivity to changes in operating performance.
Discount News
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Company Description
Discount
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, including Retail Banking, Middle Market Banking, Corporate Banking, Financial Operations, and specialized units like Discount Capital, Discount Bancorp, and the Israel Credit Cards Company. For individual clients, the bank offers essential personal banking facilities such as checking and savings accounts, diverse lending and credit options (including mortgages), credit cards, and access to capital market investments. These are supplemented by financial advisory services, family banking programs, and tax exemption assistance. Small and medium-sized businesses benefit from tailored accounts, credit lines, funding solutions, and business-specific credit cards and loans. The bank also caters to a wide range of commercial entities, from factories and workshops to service providers and merchants, providing specialized business products. Its financing expertise extends to corporate ventures, residential and commercial construction, infrastructure development, and rental property investments. Furthermore, it delivers bespoke advisory services to corporations and executives concerning investment strategies, liquidity management, and asset optimization. In the realm of capital markets, the institution provides brokerage and trading services, along with customized solutions for diamond traders. Its comprehensive capital market consulting covers foreign trade, documentary collections and letters of credit, foreign guarantees, export financing, online international trade platforms, anti-money laundering compliance, and mutual fund offerings. Additional services encompass capital market transaction tools, exclusive Israeli private banking, foreign currency exchange, commercial payment processing, securities custody and execution, international banking, and robust online and digital banking platforms. The bank actively manages securities investment portfolios for a diverse clientele, including private individuals, corporate entities, non-profit organizations, and institutional bodies. It also plays a key role in initiating and facilitating both public offerings and private placements, supported by its underwriting and distribution capabilities. Established in Tel Aviv, Israel, in 1935, Israel Discount Bank Limited maintains an extensive domestic presence with 171 branches across the country.
- Sector
- General
- Industry
- Banks - Regional
- CEO
- Avraham Levy
- Employees
- 6,849
- Website
- www.discountbank.co.il
- Address
- 1 Discount Street, Rishon LeZion, TA, 6513601, IL
Discount (ISDAF) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 4 | 4 | 14 |
| Technical Analysis | 4 | 4 | 2 |
| Moving Averages | 0 | 0 | 12 |
