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Israel Discount Bank Limited DSCT.TA

IL · Tel Aviv Stock Exchange · XTAE · stock · Financial Services · website

Israel Discount Bank Limited statistics & valuation

Market cap₪41.6B
P / E10.0×
P / S3.2×
P / B1.2×
P / FCF7.0×
Net margin31.5%
FCF margin45.5%
Net cash₪38.7B
Enterprise value USD$987.9M
Graham number -98.7%₪45.71

Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value (₪45.71); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
27.90% 31.70% 32.40% 31.50% 2022202320242025
Gross margin (%)
2022202320242025
Operating margin (%)
2022202320242025
Return on equity (%)
14.00% 14.70% 13.60% 12.20% 2022202320242025
Shares outstanding
1.22B 1.22B 1.22B 1.22B 2022202320242025
Net debt (₪)
-₪52.24B -₪32.76B -₪41.56B -₪38.68B 2022202320242025
Share buybacks (₪)
₪0 ₪0 ₪102.0M ₪331.0M 2022202320242025
Return on assets (%)
0.90% 1.10% 1.00% 0.90% 2022202320242025
Free cash flow margin (%)
-16.10% 6.20% 25.70% 45.50% 2022202320242025
Debt / equity (×)
0.55× 0.59× 0.67× 0.79× 2022202320242025
EPS (₪)
₪2.87 ₪3.39 ₪3.46 ₪3.36 2022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

Israel Discount Bank Limited trades at about 1011.9× earnings — above its 10-year norm (10-year range 524.5×–1090.8×, median 757.2×).

524.5× 1090.8×

Shaded band = 10-year range (524.5×–1090.8×); dot = today's 1011.9×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022
Net margin31.5%32.4%31.7%27.9%
FCF margin45.5%25.7%6.2%-16.1%
Return on assets0.9%1.0%1.1%0.9%
Return on equity12.2%13.6%14.7%14.0%

Computed from company filings · IL · as of 2025-12-31. Figures in ILS. Facts plus Stocktoria's own computed scores — not investment advice.