Israel Discount Bank Ltd ADR (ISDAY) 📈: отчетность и дивиденды за 2025

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 ₪		1.69	1.87	1.97	3	3.62	4.69	3.9	5.56	7.38	6.12			5.53	5.47
Выручка, млрд ₪				7.55	8.29	8.97	9.61	9.88	10.43	12.51	15.27	60.3	60.3	21.68	43.59
Чистая прибыль, млрд ₪				0.905	1.26	1.51	1.7	0.975	2.77	3.5	4.39	16.18	16.18	5.56	75.39
EV, млрд ₪	7.99	-0.73						128.81	237.99	178.46	-12.6	-33.15	-33.15	99.90	-176.23
EBIT, млрд ₪		2.44	2.36	2.76	3.24	3.82	2.63	1.52	4.29	8.31	6.82			4.71	20.99
EBITDA, млрд ₪		3.02	2.87	3.19	3.68	4.25	3.1	2.02	4.83	8.89	7.47			5.26	19.23
Баланс стоимость, млрд ₪				14.51	15.59	17.15	18.68	19.18	21.48	24.88	29.84	32.78	32.78	25.63	11.31
FCF, млрд ₪				4.89	-3.45	0.049	4.87	6.22	3.48	-2.01	0.8584	3.53	3.53	2.42	-10.71
Операционный денежный поток, млрд ₪				5.42	-2.93	0.522	5.46	7.13	4.46	-0.946	2.11	4.4	4.4	3.43	-9.20
Операционная прибыль, млрд ₪		2.44	2.36	2.76	3.24	3.82	2.63	1.52	4.29	8.31	9.43			5.24	29.10
Операционные расходы, млрд ₪				5.81	5.74	6.15	6.3	6.68	6.86	7.22	5.84	60.3	60.3	17.38	55.28
CAPEX, млрд ₪				0.533	0.521	0.473	0.592	0.916	0.977	1.06	1.25	0.868	0.868	1.01	-1.07

	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Капитализация, млрд ₪						5.82	7.1	7.66	7.08	7.15	6.88	6.28	6.12	6.34	5.91					6.31	-2.99
Выручка, млрд ₪										3.31	3.23	4.26	4.09	3.94	3.54	3.85	3.78	4.29	4.1	3.91	2.98
Чистая прибыль, млрд ₪										0.893	0.939	1.27	1.19	0.817	0.9632	1.08	1.05	1.15	1.09	1.07	2.50
EV, млрд ₪	-2.24	-1.5	0.6465	-4.76	-7.41										-12.6	207.71	203.81	195.2	-33.15	112.19	21.35
EBIT, млрд ₪								1.71	1.55	2.2	2.85	3.99	1.81	1.27	1.46	1.73	1.7			1.59	-1.25
EBITDA, млрд ₪								1.85	1.69	2.34	3	4.14	1.96	1.44	1.62	1.91	1.87			1.76	-0.94
Баланс стоимость, млрд ₪										24.11	24.88	26.1	27.02	27.62	29.84	30.14	30.43	31.7	32.78	30.98	1.90
FCF, млрд ₪										1.93	-0.961	-0.762	-2.35	0.665	3.42	2.68	-0.3903	-0.8135	2.04	1.39	-9.82
Операционный денежный поток, млрд ₪										2.21	-0.665	-0.454	-1.97	1.01	3.59	2.85	-0.1937	-0.6266	2.34	1.59	-8.20
Операционная прибыль, млрд ₪								1.71	1.55	2.2	2.85	3.99	1.81	1.27	1.46	1.73	2.45			1.74	6.24
Операционные расходы, млрд ₪										1.83	1.97	1.96	1.94	2.04	2.12	2.03	1.32	4.29	4.1	2.77	14.10
CAPEX, млрд ₪										0.274	0.296	0.308	0.381	0.341	0.1719	0.1731	0.1967	0.1869	0.298	0.2053	11.63

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 ₪				29.65	28.36	22.29	26.51	43.04	59.73	65.81	53.68	65.1	65.1	57.47	8.63
Short Term Investments ₪	1.66	3.15	0.911	0.932	1.22	1.08	0.531				2.67			1.29	23.43
Long term investments ₪		36.09	36.12	42.26	35.81	41.76	42.46	49.53	49.85	56.7	70.85			53.88	10.78
Total Receivables ₪				0.376	0.659	0.697	0.818	0.747	0.814	0.793	1.43	1.12	1.12	0.9808	8.44
Total Current Assets ₪				30.02	29.02	22.99	27.33	43.79	60.54	66.6	55.1	65.1	65.1	58.23	8.25
Чистые активы, млрд ₪	1.7	1.53	1.48	1.61	1.6	0.47	1.61	2.58	2.98	3.85				2.30	52.29
Активы, млрд ₪				219.58	221.22	239.18	259.82	293.97	335.09	376.75	414.77	453.25	453.25	374.77	9.05
Short Term Debt ₪	20.21	19.1												19.66	-2.78
Long Term Debt ₪	11.66	10.64	9.57	8.5	7.64	8.48	13.13							9.46	6.53
Задолженность, млрд ₪				204.64	205.15	221.51	13.13	10.98	15.84	351.28	384.12	418.9	418.9	236.22	107.16
Чистый долг, млрд ₪				-21.15	-20.72	-13.81	-13.38	-32.06	-43.88	-52.24	-36.17	-65.1	-65.1	-45.8900	15.22
Долг, млрд ₪	31.87	29.74						12.63	18.87	14.24	17.5			18.60	-10.06
Interest income ₪				5.67	6.21	7.05	7.57	6.99	7.49	11.7	20.71			10.89	22.30
Расходы на обслуживание долга ₪				1.1	1.24	1.53	1.67	1.09	0.962	3.01	10.25	42.74	42.74	11.61	108.30
Чист. проц. доходы, млрд ₪				4.57	4.98	5.53	5.89	5.9	6.53	8.69	10.94			7.59	13.18
Goodwill ₪		0.142	0.142	0.16	0.16	0.16	0.164	0.164	0.163	0.162	0.161			0.1628	-0.37
Амортизация, млрд ₪				0.426	0.433	0.424	0.466	0.491	0.538	0.579	0.653	2.72	2.72	0.9962	40.83
Себестоимость, млрд ₪											-1.14			-1.1400	0.00
Товарно материальные запасы ₪			0.002	0.002							2.12			0.7080	919.61

	2015Q4	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Наличность, млрд ₪																							71.51	65.81	60.04	56.7	57.55	53.68	47.65	46.56	58.72	65.1	54.34	3.93
Short Term Investments ₪					1.16	1.22	0.975	0.575	0.98	1.08	1.11	0.978	0.816	0.531																			0.9030	-13.24
Long term investments ₪																			50.72	49.85	49.11	55.44	56.74	56.7	63.67	67.42	67.71	70.85					65.27	4.56
Total Receivables ₪	0.531	0.376				0.659				0.697				0.818		0.747				0.814				0.793				1.43				1.12	0.9808	8.44
Total Current Assets ₪																							71.51	66.6	60.04	56.7	57.55	55.1	47.65	46.56	58.72	65.1	54.63	3.39
Чистые активы, млрд ₪															2.81	2.58	3.01	3.12	3.2	2.98	3.44	3.57	3.72	3.85									3.51	5.26
Активы, млрд ₪																							379.07	376.75	387.47	391.82	399.2	414.77	399.45	402.66	433.59	453.25	420.74	1.79
Short Term Debt ₪		15.61	15.63	15.71	14.53	12.81	12.18																										14.17	-4.87
Long Term Debt ₪					7.96	7.64	7.41	7.36	7.34	8.48	8.27	8.16	8.13	13.13																			9.23	9.14
Задолженность, млрд ₪																							354.36	351.28	15.1	16.48	16.23	384.12	18.27	371.42	401.05	418.9	318.75	1.75
Чистый долг, млрд ₪																							-58.02	-52.24	-44.94	-40.22	-41.33	-36.17	-29.38	-28.32	-58.72	-65.1	-43.5380	12.47
Долг, млрд ₪		24.11	24.28	24.41	22.49	20.45	19.58																					17.5	18.27	18.24			18.81	-2.26
Interest income ₪																			1.91	1.87	2.08	2.57	3.11	3.93	4.69	5.33	5.42	5.26					4.93	6.00
Расходы на обслуживание долга ₪																							0.833	1.39	1.95	2.4	2.72	2.84	2.69	2.79	3.06	2.99	2.87	1.03
Чист. проц. доходы, млрд ₪																			1.66	1.68	1.8	2.07	2.28	2.54	2.74	2.93	2.71	2.56					2.70	0.16
Goodwill ₪																			0.163	0.163	0.163	0.163	0.163	0.162	0.162	0.162	0.162	0.161					0.1618	-0.12
Амортизация, млрд ₪																							0.144	0.154	0.15	0.147	0.169	0.1646	0.1741	0.1696	0.1808	0.2097	0.1798	4.96
Себестоимость, млрд ₪																														-0.2589			-0.2589	0.00
Товарно материальные запасы ₪		0.002																															0.0020	0.00

Share

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	0.2483	0.3121	0.3724	0.3852	0.3485	3.78	8.58	35.52	118.65		118.65	33.38	220.93
Цена акции ао		29.12	30.94	46.35	38.5	67.44	52.48	50.27	62	75.15	75.15	61.47	2.19
Число акций ао, млн	112.22	116.4	116.4	116.4	116.4	116.56	123.7	467.5	515.35		515.35	267.90	34.66
FCF/акцию	43.58	-29.66	0.421	41.8	53.41	29.85	-16.25	1.84	6.84		6.84	15.14	-33.70

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	5 quarters average	CAGR 5
EPS					2.12	2.18	2.9	2.63	1.76	7.79	0.8692	0.8477	0.8937	7.99		3.68	0.51
Цена акции ао		60.88	65.74	57.24	57.81	55.65	50.78	49.48	51.26	47.78					75.15	54.89	8.16
Число акций ао, млн	116.4	116.56	116.56	123.7	123.7	123.7	123.7	123.7	123.7	123.7						123.70	0.00
FCF/акцию					15.63	-7.77	-6.16	-19	5.38	7.32	0.5734	-0.0835	-0.1666	3.97		2.32	-11.52

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %			6.24	8.07	8.77	9.11	5.08	12.91	14.05	15.54	51.67		51.67		19.85	59.03
ROA, %			0.4122	0.5691	0.6292	0.6551	0.3317	0.8275	0.9277	1.07	3.73		3.73		1.38	62.25
ROIC, %							3.72	8.88	11.74	11.81					9.04	33.48
ROS, %				15.18	16.77	17.71	9.87	26.59	27.94	28.75	26.83	26.83	26.83		27.39	0.18
ROCE, %			18.48	20.19	21.63	1.07	0.5385	1.34	32.61	1.65		0	0		7.44	9.05
Ebit margin, %							15.4	41.14	66.41	44.66		0	0		41.90	30.50
Рентаб EBITDA, %			42.2	44.33	47.31	32.26	20.4	46.29	71.05	48.92		0	0		43.78	8.68
Чистая рентаб, %			11.99	15.18	16.77	17.71	9.87	26.59	27.94	28.75	26.83		26.83		24.00	22.14
Operation Margin, %				39.11	42.58	27.41	15.43	41.13	66.42	61.76	0	0	0		42.43	17.64
Доходность FCF, %	-22.64	-83.76	248.84	-115.03	1.35	103.82	159.48	62.6	-27.23	13.38					62.41	-33.62

	2017Q3	2017Q4	2018Q1	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q2	Industry average	5 quarters average	CAGR 5
ROE, %								3.7	3.77	4.86	4.39	2.96	3.48	3.79	3.6	3.85	3.53			3.65	0.29
ROA, %								0.2356	0.2492	0.3275	0.3029	0.2047	0.2376	0.2641	0.2614	0.2762	0.2456			0.2570	0.66
ROIC, %	0.9131	1.12	0.9893										2.3	2.62	2.81					1.97	20.20
ROS, %									29.04	29.81	29.06	20.72	27.21	28.05	27.78	26.81	26.59	26.83		27.21	-0.89
ROCE, %						7.23	6.42	8.89	11.17	1.07	0.483	0.3327	0.3606	0.4317	0.421					0.4058	-2.71
Ebit margin, %													41.24	44.94	44.97					43.72	2.93
Рентаб EBITDA, %						60.37	58.29	70.82	92.76	97.13	47.98	36.6	45.76	49.61	49.47					45.88	0.61
Чистая рентаб, %								27	29.04	29.81	29.06	20.72	27.21	28.05	27.78	26.81	26.59			27.29	-0.46
Operation Margin, %						55.81	53.42	66.47	88	93.61	44.38	32.31	41.24	44.94	64.81					45.54	7.87
Доходность FCF, %				-7.54	43.71	-5.64	-36.03	27.04	-13.96	-12.13	-38.39	10.49	55.23							0.2480	-231.66

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			2.17	2.38	2.4	2.75	4	2	2.11	5.37	1.97		1.97		3.09	-13.21
P/BV			0.1354	0.1925	0.2109	0.2509	0.2032	0.2588	0.2967	0.7692	0.9302		0.9302		0.4916	35.56
P/S			0.2604	0.3619	0.4032	0.4878	0.3947	0.5331	0.5903	1.54	0.5299		0.5299		0.7176	6.07
P/FCF				-0.8693	73.83	0.9632	0.627	1.6	-3.67	7.48	0	0	0		1.40	50.67
E/P				0.4194	0.416	0.3631	0.2501	0.4989	0.4734	0.6847	0	0	0		0.4540	13.53
EV/EBIT							73.61	46.57	20.47	-1.85	0	0	0		34.70	-139.82
EV/EBITDA	1.83	-0.242					55.56	41.39	19.13	-1.69					22.83	47.51
EV/S	1.05	-0.0991					11.34	19.16	13.59	-0.8251	-0.5498	-0.5498	-0.5498		6.17	-149.15
EV/FCF	6.08	1.91					18.02	57.35	-84.58	-14.68	-9.39	-9.39	-9.39		-12.1380	-169.63
Debt/EBITDA	7.29	9.86					5.44	3.28	1.53	2.34	0	0	0		4.49	-25.00
Netdebt/Ebitda				-5.64	-3.25	-4.32	-15.91	-9.09	-5.88	-4.84	0	0	0		-8.0080	2.30
Debt/Ratio	0.1589	0.1437					0.0373	0.0473	0.036	0.0422	0	0	0		0.0613	-21.73
Debt/Equity	2.61	2.25					0.5723	0.7374	0.5452	0.5865	0	12.2	12.2		2.93	84.39
Debt/Net Income	36.46	58.88					11.28	5.72	3.88	3.99	0	0	0		16.75	-41.63
PEG												0.6483	0.6483		0.6483	0.00
Бета											0.0653	-1.11	-1.11		-0.5224	-512.29
Индекс Альтмана			0.053	0.0704	0.1026	0.0351	0.0285	0.0695	0.1034		0	0.1876	0.1876		0.0848	39.83

	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2021Q1	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													8.01	7.33	4.95	5.16	7.76	5.46	7.67	11.69	18.9	22.11				13.17	32.28
P/BV													0.2966	0.2767	0.2407	0.2266	0.2296	0.7692	0.622	7.43	7.8	0.9302				3.51	3.87
P/S													2.16	2.13	1.48	1.5	1.61	1.47	1.98	2.83	5.16	5.92				3.47	32.13
P/FCF									-13.25	2.29	-17.74	-2.78	3.7	-7.16	-8.24	-2.6	9.54	1.81								-1.3300	-175.95
E/P									0.1241	0.0745	0.1283	0.096	0.1249	0.1364	0.202	0.1939	0.1288	0.1555								0.1633	2.66
EV/EBIT																		-8.63	120.06	119.89						77.11	-340.39
EV/EBITDA	-5.17	-2.62	-1.59	0.7615	-4.61	-8.64												-1.34	29.86	29.86						9.03	-245.30
EV/S			-0.7248	0.3073	-2.32	-3.55												-3.56	53.95	53.92	45.5	-8.09		-0.5498		28.95	-139.96
EV/FCF			1.62	-0.1734	-1.77	-13.43												-3.68	77.5	-522.19	-239.95	-16.25		-9.39		-142.0560	-165.57
Debt/EBITDA	36.47	28.33	26.02	26.49	19.8	22.82												10.8	9.57	9.75						14.55	-13.21
Netdebt/Ebitda											-26.31	-29.38	-24.77	-17.42	-10.87	-20.52	-28.64	-22.33	-15.38	-15.14						-20.4020	-5.90
Debt/Ratio	0.1098	0.1108	0.1118	0.1024	0.0925	0.0856												0.0422	0.0457	0.0453						0.0623	-13.31
Debt/Equity	1.66	1.65	1.63	1.47	1.31	1.23												0.5865	0.6062	0.5994				12.2		3.04	58.23
Debt/Net Income	166.27	80.12	89.74	71.85	55.13	61.39												18.17	16.92	17.37						33.80	-20.63
PEG																								0.6483		0.6483	0.00
Бета																							-3.59	-1.11		-2.3500	-44.39
Индекс Альтмана							-0.00088	0.000535	-0.0047	0.006	0.0157	0.0059	0.0165	0.0161									0.1877	0.1876		0.0828	99.75

Dividends

IFRS

Reporting Annual Quarterly

	2008	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	0.25	0.118	0.118	0.118	0.118	0.255	0.049	0.144	0.617	1.2					0.4530	36.31
Дивиденд					0.2773	0.6137	0.1155	0.3991	1.51	2.3	1.79	0.697	2.49		1.34	11.80
Див доход, ао, %					0.8921	1.52	0.3449	0.8368	2.53	4.57	3.78	3.31	3.97		3.01	31.66
Дивиденды / прибыль, %			13.04	9.37	7.84	14.98	5.03	5.19	17.65	24.98	7.4		7.4		12.05	8.03

	2020Q1	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд					0.136	0.179	0.188	0.381	0.356	0.1279	0.1884	0.3161	0.3179	0.3541		0.2609	22.59
Дивиденд	0.1155	0.3991	0.2851	0.4735	0.3294	0.422	0.4204	0.845	0.766	0.2709						0.5449	-8.48
Див доход, ао, %	0.2864	0.6555	0.4337	0.8272	0.5697	0.7583	0.8279	1.71	1.49	0.5669						1.07	-5.65
Дивиденды / прибыль, %					15.23	19.06	14.81	32.1	43.57	13.28	17.52	30.14	27.53	32.51		24.20	19.61

	Industry average	5 quarters average	CAGR 5

Investing Port

US: ISDAY - Israel Discount Bank Ltd ADR

Reporting Israel Discount Bank Ltd ADR

Capitalization

Balance sheet

Share

Efficiency

Coefficients

Dividends

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