OTC: BKHYY - Bank Hapoalim B.M.

Yield per half year: +42.56%
Dividend yield: +4.90%
Sector: Financials

Reporting Bank Hapoalim B.M.

Capitalization

IFRS

Reporting Annual Quarterly

	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ₪			7.11	7.33	9.2	9.39	10.25	8.7	11.44	12.72	0.0567		11.69	8.63	-64.64
Выручка, млрд ₪				14.71	14.58	13.75	13.2	13.12	14.3	17.87	21.31	21.93	21.93	17.71	10.82
Чистая прибыль, млрд ₪				2.63	2.66	2.6	1.8	2.06	4.91	6.53	7.36	7.64	7.64	5.70	29.97
EV, млрд ₪	41.42	-25.73				-22.5	-22.52	-84.95	-119.6	-64.87	133.97		-41.52	-31.5940	-242.85
EBIT, млрд ₪			7.2	6.99	6.93	7.37	3.48	3.65	7.89	15.87	11.29		11.29	8.44	26.54
EBITDA, млрд ₪			7.9	7.67	7.55	7.98	4.02	4.25	8.49	16.59	12.09		12.09	9.09	24.64
Баланс стоимость, млрд ₪				34.05	35.86	37.54	38.18	39.87	42.74	46.5	52.43	58.15	58.15	47.94	7.84
FCF, млрд ₪				18.51	19.09	-1.46	6.79	2.12	4.29	-0.568	-1.41	8.85	8.85	2.66	33.08
Операционный денежный поток, млрд ₪				19.13	19.75	-0.775	7.48	2.8	5.18	0.132	-0.437	9.83	9.83	3.50	28.55
Операционная прибыль, млрд ₪			5.1	4.96	6.93	7.37	3.48	3.65	7.87	15.83	11.27		11.29	8.42	26.49
Операционные расходы, млрд ₪			8.79	9.49	9.62	8.96	8.78	7.5	7.8	7.97	21.31		8.23	10.67	19.40
CAPEX, млрд ₪				0.619	0.662	0.683	0.694	0.682	0.886	0.7	0.97	0.98	0.98	0.8436	7.52

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Капитализация, млрд ₪	11.34	13.03	13.73	12.3	12.68	12.3	11.85	11.23	11.49	0.0538					9.38	-66.26
Выручка, млрд ₪					4.76	5.2	5.36	5.73	5.3	4.93	5.09	5.73	5.63	5.48	5.37	2.14
Чистая прибыль, млрд ₪					1.79	1.75	2.01	1.92	1.67	1.76	1.94	2.24	1.91	1.55	1.88	-2.51
EV, млрд ₪				-97.1	-75.69	-17.34	-8.06	-32.64	-22.98	-85.15	-32.6	-63.02	120.36		-16.6780	-239.26
EBIT, млрд ₪			3.2	3.16	4.26	5.21	6.58	2.98	2.59	2.63	3.1	3.64			2.99	4.08
EBITDA, млрд ₪			3.36	3.36	4.45	5.42	6.75	3.25	2.76	2.81	3.3	3.82			3.19	3.28
Баланс стоимость, млрд ₪					45.07	46.5	48.12	49.34	50.25	52.43	54.05	55.51	57.16	58.15	55.46	2.09
FCF, млрд ₪					1.93	0.25	-5.35	0.229	0.407	3.31	-6.65	1.26	9.23	5.02	2.43	8.69
Операционный денежный поток, млрд ₪					2.11	0.514	-5.17	0.441	0.585	3.7	-6.46	1.49	9.47	5.34	2.71	7.61
Операционная прибыль, млрд ₪			3.2	3.16	4.26	5.21	6.58	2.98	2.59	2.63	3.1	3.64			2.99	4.08
Операционные расходы, млрд ₪				2.02	1.97	2.05	2.09	2.18	2.06	1.9	2.03	2.11	5.63		2.75	22.27
CAPEX, млрд ₪					0.174	0.264	0.186	0.212	0.178	0.394	0.187	0.235	0.238	0.32	0.2748	-4.08

	5 quarters average	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ₪				80.38	86.11	84.46	88.12	138.71	189.28	133.42	107.11	117.05	117.05	137.11	-3.34
Short Term Investments ₪	1.84	0.9312	0.5106	0	0.0000	0	0.0000							1.09	-34.77
Long term investments ₪		14.22	14.53	84.23	78.28	67.76	70.85	87.28	84.9	130.46	153.89			105.48	16.78
Total Receivables ₪			0.905	0.947	0.774	0.855	0.966	0.654	0.508	1.56	0.975		0.975	0.9326	0.19
Total Current Assets ₪			65.88	81.33	86.89	85.31	89.09	139.37	189.79	134.98	109.94		108.71	132.63	4.30
Чистые активы, млрд ₪			0.646	2.44	2.26	2.19	2.1	2.84	2.86	2.64	95.92		134.98	21.27	114.75
Активы, млрд ₪				448.11	454.42	460.93	463.69	539.6	638.78	665.35	686.53	720.84	720.84	650.22	5.96
Short Term Debt ₪	46.35	12.96												29.66	-47.12
Long Term Debt ₪	33.98	8.64	8.86	0.0000	0.000115	0.0001	0.000111							3.50	-89.49
Задолженность, млрд ₪				413.88	418.42	423.27	425.47	499.7	596.03	618.85	634.1	662.69	662.69	602.27	5.81
Чистый долг, млрд ₪			-30.5	-46.82	-57.06	-54.44	-61.27	-114.44	-163.02	-105.95	-85.37		-85.37	-106.0100	6.86
Долг, млрд ₪	80.33	21.61				30.02	26.85	24.28	26.27	27.47	22.36		22.36	25.45	-3.59
Interest income ₪				10.2	10.89	11.67	11.92	10.26	11.68	19.22	32.97			17.21	22.57
Расходы на обслуживание долга ₪				2.01	2.19	2.77	2.6	1.46	1.92	5.75	16.89	18.55	18.55	8.91	66.26
Чист. проц. доходы, млрд ₪				8.19	8.7	8.91	9.32	8.8	9.77	13.47	16.09		8.94	11.49	11.54
Амортизация, млрд ₪			0.692	0.675	0.623	0.609	0.541	0.599	0.602	0.716	0.802		0.802	0.6520	8.19
Товарно материальные запасы ₪	0.063	0.0185	0.017	0.066	0.066	0.066	0.03	0.03	0.03		1.41			0.3132	84.47

	2014Q4	2015Q4	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Наличность, млрд ₪																							145.42	133.42	95.92	97.08	92.13	107.73	97.9	107.82	115.84	117.05	109.27	1.67
Short Term Investments ₪						0.7966	1.13	1.32	0.9312	0.8611	0.7893	0	0	0.0000	0.0000																		1.01	-6.93
Long term investments ₪																			81.25	84.9	83.44	105.02	119.75	130.46	162.29	158.42	166.04	153.89					154.22	3.36
Total Receivables ₪	1.6	0.905	0.947				0.774				0.855				0.966	0.654				0.508				1.56				0.975					0.9326	0.19
Total Current Assets ₪																						162.58	145.42	134.98	95.92	97.08	92.13	108.71	97.9	107.82	115.84		104.48	4.69
Чистые активы, млрд ₪																2.84	3.25	3.25	3.43	2.86	3.49	3.46	3.44	2.64	3.53								3.31	0.23
Активы, млрд ₪																							658.34	665.35	666.67	668.78	675.99	686.53	665.89	685.14	713.67	720.84	694.41	0.98
Short Term Debt ₪			46.63	44.08	12.82	12	11.95	0.000446																									16.17	-89.98
Long Term Debt ₪						8.31	8.37	7.43	8.18	7.88	8.03	0.0001	0.0001	0.00011	0.000111																		1.61	-89.33
Задолженность, млрд ₪																							613.27	618.85	26.42	24.8	23.81	634.1	20.78	629.63	656.51	662.69	520.74	0.89
Чистый долг, млрд ₪																						-135.25	-119.16	-105.95	-69.5	-72.28	-68.32	-85.37	-77.13	-107.82	-115.84		-90.8960	11.14
Долг, млрд ₪																					27.41	27.33	26.26	7.46	7.14	24.8	23.81	22.36	20.78	19.54			22.26	-4.66
Interest income ₪																			3.07	2.81	3.4	4.3	5.14	6.37	7.52	8.62	8.5	8.33					7.87	5.51
Расходы на обслуживание долга ₪																							1.5	2.45	3.49	4.33	4.5	4.58	4.28	4.73	5.03	4.51	4.63	-0.31
Чист. проц. доходы, млрд ₪																					2.72	3.19	3.64	3.93	4.04	4.3	4.01	3.75	2.19	2.47			3.34	-10.50
Амортизация, млрд ₪																						0.193	0.192	0.213	0.17	0.275	0.174	0.177	0.2	0.183	0.191		0.1850	1.88
Товарно материальные запасы ₪			0.066				0.019				0.0177				0.03	0.03				0.03													0.0253	9.57

Share

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	1.16	1.84	3.15	1.62	2.42	5.8	24.43	5.5	5.76		5.76	8.78	18.94
Цена акции ао		38.33	32.91	43.13	34.24	51.57	44.95	45.14	56.83	68	68	53.30	5.69
Число акций ао, млн	269.12	267.23	256.5	267.08	268.12	268.22	267.33	1337.52	1325.7		1325.7	693.38	37.66
FCF/акцию	68.77	71.42	-5.68	25.41	7.9	16	-2.12	-1.05	6.68		6.68	5.48	-3.30

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	5 quarters average	CAGR 5
EPS					1.44	1.83	2.05	7.2	6.25	1316.86	7.25	8.37	1.43	1.17		267.02	-75.47
Цена акции ао		48.57	51.48	45.78	47.59	46.16	44.28	42.08	43.03	40.23					68	47.52	8.96
Число акций ао, млн	268.22	268.22	266.77	268.6	266.42	266.42	267.73	266.94	267.04	1.34						213.89	-65.30
FCF/акцию					7.26	0.9384	-19.99	0.8579	1.52	2473.7	-24.88	4.69	6.94	3.78		492.85	-72.66

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %				7.72	7.42	6.91	4.71	5.16	11.5	14.64	14.88	13.81		13.81	17.45	12.00	21.76
ROA, %				0.5865	0.5854	0.563	0.388	0.381	0.7693	1	1.09	1.08		1.08	4.76	0.8641	23.17
ROIC, %	2.57	5.97					5.04	5.51	8.51	12.12	12.89				7.36	8.81	20.66
ROS, %					18.25	18.88	13.62	15.67	34.36	36.54	34.54	34.81	34.81	34.81	25.00	35.01	0.26
ROCE, %				20.43	19.25	19.57	9.1	9.14	18.45	2.4	1.66		19.42	19.42	6.39	10.21	16.27
Ebit margin, %							26.36	27.79	55.15	88.8	52.98		51.47	51.47		55.24	13.12
Рентаб EBITDA, %				52.13	51.81	58.05	30.45	32.36	59.36	92.81	56.74		55.13	55.13	20.66	59.28	11.24
Чистая рентаб, %				17.87	18.25	18.88	13.62	15.67	34.36	36.54	34.54	34.81		34.81	25.00	31.18	17.31
Operation Margin, %					47.54	53.62	26.36	27.79	55.05	88.58	52.89	52.98	51.47	51.47	11.86	60.19	-1.34
Доходность FCF, %		16.82	161.38	252.5	207.52	-15.53	66.18	24.34	37.51	-4.47	-2481.34					-471.5560	-306.44

	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	Industry average	5 quarters average	CAGR 5
ROE, %											3.96	3.76	4.17	3.9	3.48	3.57	3.82	4.28	3.53	2.8	17.45	3.60	-4.74
ROA, %											0.2711	0.263	0.3012	0.2874	0.2482	0.2585	0.2866	0.3313	0.2724	0.2167	4.76	0.2731	-3.47
ROIC, %	0.3046	1.01	2.03	1.42	1.42	1.77								3.68	3.29	2.8		4.48			7.36	3.20	20.41
ROS, %											37.53	33.65	37.47	33.57	31.5	35.73	38.07	39.04	33.85	28.34	25.00	35.01	-4.53
ROCE, %									7.41	7.16	9.44	11.21	1.03	0.4624	0.4935	0.4966	0.4596	0.5373			6.39	0.4899	3.05
Ebit margin, %															48.81	53.34	60.81	63.5				56.62	6.80
Рентаб EBITDA, %									86.89	81.64	93.5	104.29	125.99	56.82	52.1	56.93	64.73	66.7			20.66	59.46	3.26
Чистая рентаб, %											37.53	33.65	37.47	33.57	31.5	35.73	38.07	39.04	33.85	28.34	25.00	35.01	-4.53
Operation Margin, %									82.81	76.95	89.47	100.19	122.82	52.02	48.81	53.34	60.81	63.5			11.86	55.70	4.07
Доходность FCF, %							-43.71	29.02	21.51	-46.4	15.25	2.03	-45.14	2.04	3.54	6147.99						1222.09	396.88

Coefficients

IFRS

Reporting Annual Quarterly

	2013	2014	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E			2.79	3.46	3.62	5.7	4.23	2.33	6.29	29.8	36.06		36.06	48.33	15.74	53.51
P/BV			0.2153	0.2565	0.2501	0.2686	0.2182	0.2678	0.8835	4.18	4.73		4.73	7.81	2.06	85.01
P/S			0.4983	0.6309	0.683	0.7766	0.6632	0.8003	2.3	10.29	12.55		12.55	16.50	5.32	80.05
P/FCF				0.4819	-6.44	1.51	4.11	2.67	-22.39	-0.0403	-8.31	1.32	1.32	2.41	-5.3501	-13.14
E/P				0.2892	0.2764	0.1754	0.2363	0.4294	0.5135	129.8	0.6296	0.6531	0.6531	87.41	26.41	8.75
EV/EBIT						-6.47	-23.3	-15.16	-4.09	11.87	-3.68	-3.68	-3.68		-2.9480	-24.66
EV/EBITDA	4.28	-3.2			-2.82	-3.4	-14.88	-11.49	-3.91	11.08			-3.43	-222.08	-4.5200	-226.65
EV/S	3.03	-1.84				-1.71	-6.48	-8.36	-3.63	6.29	-1.95	-1.89	-1.89	16.20	-1.9080	-25.72
EV/FCF	11.3	-20.04				-3.32	-40.11	-27.87	114.2	-95.21	29.51	-4.69	-4.69	21.08	3.19	-29.98
Debt/EBITDA		2.69			3.76	4.06	4.25	2.52	1.66	1.85	1.85	1.85	1.85	-305.66	1.95	-5.99
Netdebt/Ebitda				-7.55	-6.82	-15.24	-26.96	-19.2	-6.39	-7.06	-7.06	-7.06	-7.06	-297.90	-9.3540	-18.13
Debt/Ratio	0.2113	0.053				0.0579	0.045	0.0411	0.0413	0.0326	0.0326	0.031	0.031	0.12	0.0357	-5.48
Debt/Equity	2.76	0.689				0.7033	0.6088	0.6146	0.5908	0.4265	0.1656	11.4	11.4	11.37	2.64	79.33
Debt/Net Income	31.66	7.96				14.93	11.81	5.35	4.21	3.04	3.04	2.93	2.93	30.43	3.71	-11.35
PEG												-6.27	-6.27		-6.2700	0.00
Бета										0.6811	3.21	-1.37	-1.37	-1.22	0.8404	-226.23
Индекс Альтмана				0.0957	0.0952	0.0685	0.0601	0.088	0.1309	-0.6631	-0.8628	-0.8645	-0.8645	50.21	-0.4343	-257.93

	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E											7.1	7.03	5.9	5.31	6.17	0.1226	0.1245	0.1251	0.1331	11.4			48.33	2.38	147.56
P/BV											0.2813	0.2645	0.2464	0.0616	0.0695	0.0042	0.069	0.8072	4.13	4.73			7.81	1.95	307.68
P/S											2.67	2.36	2.21	1.88	2.1	0.0438	0.0445	0.0447	0.0476	4.25			16.50	0.8861	149.68
P/FCF							-2.29	3.45	4.65	-2.16	6.56	49.19	-2.22	49.05	28.23	0.0163							2.41	24.85	-79.86
E/P							0.1065	0.0717	0.1204	0.1092	0.1408	0.1423	0.1694	0.1711	0.1452	32.73							87.41	6.67	196.72
EV/EBIT															-8.89	-32.39	-10.53	-17.31						-17.2800	18.13
EV/EBITDA									-9.78	-8.54	-5.71	-3.85	-1.49	-10.03	-1.26	-5.47	-2.69	-4.97					-222.08	-4.8840	-13.10
EV/S		-13.93	-15.37	-15.38	-16.44									-5.7	-4.34	-17.28	-6.41	-10.99	21.39				16.20	-3.5260	-237.58
EV/FCF		-29.2	-21.25	-4.29	12.99									-142.52	-56.46	-25.74	4.9	-50.21	13.04				21.08	-22.8940	-174.59
Debt/EBITDA									8.16	8.14	5.91	5.07	3.91	7.62	8.63	7.97	6.31	5.11					-305.66	7.13	-7.68
Netdebt/Ebitda									-44.9	-40.29	-26.8	-19.53	-10.29	-22.22	-24.75	-30.42	-23.41	-28.2					-297.90	-25.8000	4.88
Debt/Ratio	0.1688	0.0481	0.0452	0.0447	0.0166									0.0371	0.0352	0.0326	0.0312	0.0285					0.12	0.0329	-5.14
Debt/Equity	2.16	0.6101	0.5707	0.5668	0.206									0.5027	0.4738	0.4265	0.3844	0.3519					11.37	0.4279	-6.88
Debt/Net Income	98.12	26.64	43.31	33.21	11.84									12.91	14.27	12.7	10.72	8.73					30.43	11.87	-7.53
Бета																					-1.93	-1.09	-1.22	-1.5100	-24.85
Индекс Альтмана						0.0362	0.0323	0.0323	0.0391	0.0335	0.0391	0.0456	0.0365								-0.8645	-0.8645	50.21	-0.3216	-285.75

Dividends

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	0.569	0.685	0.861	0.496	1	1.48	1.48	2.43	2.28			1.88		1.73	17.92
Дивиденд		0.6722	0.905	0.5227	1.06	0.0266	1.75	1.09	2.46	1.81		1.81		1.43	132.57
Див доход, ао, %		2.47	2.63	1.43	2.76	0.0819	4.1	1.39	5.8	4.49		4.9	7.90	3.17	122.74
Дивиденды / прибыль, %		26.07	32.37	19.11	55.59	71.94	30.1	14.62	33.03	29.91		29.91	516.47	35.92	-16.10
Dividend Coverage Ratio											4.06	4.06		4.06	0.00

	2019Q4	2020Q1	2021Q3	2021Q4	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q2	2024Q3	2024Q4	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд					0.403	0.403	0.552	0.525	0.803	0.769	0.334	1.13	0.645	0.512		0.6780	-7.81
Дивиденд	1.06	0.0266	0.7121	1.04		0.462	0.623	0.5438	0.811	0.766	0.3364					0.6160	-11.60
Див доход, ао, %	2.57	0.0686	1.68	2.13		0.9708	1.35	1.23	1.93	1.78	0.8361				7.90	1.43	-9.14
Дивиденды / прибыль, %					30.01	22.58	31.54	26.15	41.78	46.08	18.97	50.36	33.86	32.95	516.47	36.44	-6.49

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2023	2024	CAGR 5
Персонал, чел	8383	8243	-0.84

	CAGR 5

	CAGR 5