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Bank Hapoalim B.M. POLI.TA

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

Bank Hapoalim B.M. statistics & valuation

Market cap₪101.7B
P / E10.4×
P / S4.2×
P / B1.6×
Net margin40.9%
FCF margin-0.6%
Net cash₪35.4B
Enterprise value USD$22.4B
Graham number -98.8%₪90.87

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 (₪90.87); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
36.50% 34.50% 34.80% 40.90% 2022202320242025
Gross margin (%)
2022202320242025
Operating margin (%)
2022202320242025
Return on equity (%)
14.00% 14.00% 13.10% 15.20% 2022202320242025
Shares outstanding
1.31B 1.31B 1.31B 1.31B 2022202320242025
Net debt (₪)
-₪105.95B -₪85.37B -₪96.30B -₪35.44B 2022202320242025
Share buybacks (₪)
₪0 ₪0 ₪463.0M ₪794.0M 2022202320242025
Return on assets (%)
1.00% 1.10% 1.10% 1.30% 2022202320242025
Free cash flow margin (%)
-3.20% 15.90% 55.30% -0.60% 2022202320242025
Debt / equity (×)
0.59× 0.43× 0.36× 0.56× 2022202320242025
EPS (₪)
₪4.89 ₪5.50 ₪5.72 ₪7.42 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

Bank Hapoalim B.M. trades at about 1047.7× earnings — above its 10-year norm (10-year range 566.9×–1036×, median 803.8×).

566.9× 1047.7×

Shaded band = 10-year range (566.9×–1036×); dot = today's 1047.7×.

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 margin40.9%34.8%34.5%36.5%
FCF margin-0.6%55.3%15.9%-3.2%
Return on assets1.3%1.1%1.1%1.0%
Return on equity15.2%13.1%14.0%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.