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Israel Discount Bank Limited (DSCT.TA)

ILA3,032.00 -43.00 (-1.40%)
IL TLV Financial Services Banks - Regional
Address Discount Bank Tower 6513601
Tel Aviv, IL
CEO Avraham Levy
IPO 2002-08-12
ISIN IL0006912120

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Also trades on Other OTC · ISDAF (USD) Other OTC · ISDAY (USD) Tel Aviv Stock Exchange · DSCT.TA (ILA)
Description

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.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
ILA3,032.00 -43.00 (-1.40%)
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Volume Profile
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Liquidity & share structure
Average Volume
5M
Beta
0.38
Float Shares
1.22B
Free Float %
99.8%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+2.44% -0.41% -8.31% -19.98% -8.07% -6.71% +7.28% +62.21% +96.57% +407.23% +262.13%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
3,032.00
DCF (Unlevered) 7,923.27 +161.3%
DCF (Levered) 7,722.43 +154.7%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 60% Bullish
Rating 2026-05 Change
Strong Buy 0 -1
Buy 3 +1
Hold 2 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.34
Distress
Piotroski F-Score
6 / 9
Average
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
5 / 5
High
ROE Score
4 / 5
High
ROA Score
3 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
3 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
  • Revenue growth
    -7.3% Q1'26: -14.8% (vs Q1'25)
  • EPS growth
    +6.7% Q1'26: -9.5% (vs Q1'25)
  • FCF margin
    Q1'26: +39.9% (vs Q1'25)
  • EBIT margin
    Q1'26: +24.3% (vs Q1'25)
  • ROIC
    Q1'26: +13.3% (vs Q1'25)
  • Share dilution
    -4.5% Q1'26: -0.5% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 6.95× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (1.03) × ERP
WACC = 47% × Ke + 53% × Kd (27.3%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 7,907.87 Current price: 3,032.00
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2015
actual
Dec 2016
actual
Dec 2017
actual
Dec 2018
actual
Dec 2019
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
1 Rev. Ana.
1 EPS Ana.
Dec 2027
1 Rev. Ana.
1 EPS Ana.
Dec 2028
1 Rev. Ana.
1 EPS Ana.
Revenue
8.30B
est: 7.54B (+10.0%)
8.61B
est: 8.01B (+7.5%)
9.49B
est: 8.16B (+16.3%)
10.50B
est: 8.53B (+23.1%)
11.28B
est: 9.97B (+13.2%)
10.97B
est: 9.71B (+12.9%)
11.39B
est: 10.38B (+9.7%)
15.52B
est: 12.67B (+22.5%)
25.44B
est: 14.19B (+79.3%)
27.26B
est: 15.78B (+72.7%)
25.28B
est: 15.32B (+65.0%)
15.51B
15.51B – 15.51B
+1.3% YoY
16.56B
16.56B – 16.56B
+6.8% YoY
15.29B
15.29B – 15.29B
-7.7% YoY
EBITDA
1.88B
est: 2.34B (-20.0%)
2.14B
est: 2.49B (-14.1%)
2.50B
est: 2.54B (-1.5%)
2.76B
est: 2.65B (+3.9%)
3.14B
est: 3.10B (+1.3%)
2.00B
est: 3.02B (-33.9%)
4.86B
est: 3.23B (+50.7%)
5.90B
est: 3.94B (+49.8%)
7.23B
est: 4.64B (+55.9%)
7.67B
est: 5.16B (+48.6%)
6.61B
est: 5.01B (+32.1%)
5.07B
5.07B – 5.07B
+1.3% YoY
5.41B
5.41B – 5.41B
+6.8% YoY
5.00B
5.00B – 5.00B
-7.7% YoY
EBIT
1.36B
est: 2.07B (-34.2%)
1.71B
est: 2.20B (-22.2%)
2.07B
est: 2.24B (-7.9%)
2.33B
est: 2.35B (-0.6%)
2.68B
est: 2.74B (-2.4%)
1.51B
est: 2.67B (-43.6%)
4.33B
est: 2.85B (+51.6%)
5.32B
est: 3.48B (+52.8%)
6.61B
est: 4.20B (+57.2%)
6.95B
est: 4.68B (+48.6%)
6.17B
est: 4.54B (+36.0%)
4.60B
4.60B – 4.60B
+1.3% YoY
4.91B
4.91B – 4.91B
+6.8% YoY
4.53B
4.53B – 4.53B
-7.7% YoY
Net Income
750.00M
est: 1.07B (-29.6%)
905.00M
est: 1.07B (-15.1%)
1.26B
est: 1.28B (-1.8%)
1.51B
est: 1.76B (-14.7%)
1.70B
est: 2.04B (-16.5%)
975.00M
est: 877.89M (+11.1%)
2.77B
est: 2.83B (-2.0%)
3.50B
est: 3.56B (-1.8%)
4.19B
est: 3.82B (+9.7%)
4.28B
est: 4.10B (+4.3%)
4.14B
est: 4.38B (-5.6%)
4.46B
4.44B – 4.76B
+1.7% YoY
5.12B
5.01B – 5.23B
+14.7% YoY
5.18B
5.18B – 5.18B
+1.2% YoY
SGA
617.00M
est: 290.48M (+112.4%)
646.00M
est: 308.57M (+109.4%)
627.00M
est: 314.33M (+99.5%)
773.00M
est: 328.76M (+135.1%)
770.00M
est: 384.18M (+100.4%)
777.00M
est: 374.12M (+107.7%)
467.00M
est: 399.93M (+16.8%)
567.00M
est: 488.02M (+16.2%)
619.00M
est: 388.00M (+59.5%)
543.00M
est: 431.72M (+25.8%)
378.00M
est: 418.97M (-9.8%)
424.26M
424.26M – 424.26M
+1.3% YoY
452.99M
452.99M – 452.99M
+6.8% YoY
418.32M
418.32M – 418.32M
-7.7% YoY
EPS
0.71
est: 0.82 (-13.9%)
0.84
est: 0.83 (+1.8%)
1.09
est: 0.99 (+9.8%)
1.29
est: 1.37 (-5.5%)
1.46
est: 1.58 (-7.5%)
0.84
est: 0.68 (+23.6%)
2.38
est: 2.19 (+8.7%)
2.87
est: 2.76 (+4.2%)
3.39
est: 3.10 (+9.5%)
3.46
est: 3.32 (+4.1%)
3.36
est: 3.55 (-5.4%)
3.72
3.59 – 3.85
+4.8% YoY
4.15
4.06 – 4.23
+11.3% YoY
4.20
4.20 – 4.20
+1.2% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-19 B+ 3/5 5/5 4/5 3/5 1/5 3/5 2/5
2026-05-18 B+ 3/5 5/5 4/5 3/5 1/5 3/5 2/5
2026-05-15 B+ 3/5 5/5 4/5 3/5 1/5 3/5 2/5
2026-05-14 B+ 3/5 5/5 4/5 3/5 1/5 3/5 2/5
2026-05-13 B+ 3/5 5/5 4/5 3/5 1/5 3/5 2/5
2026-05-12 B+ 3/5 5/5 4/5 3/5 1/5 3/5 2/5
2026-05-11 B+ 3/5 5/5 4/5 3/5 1/5 3/5 2/5
2026-05-08 B+ 3/5 5/5 4/5 3/5 1/5 3/5 2/5
2026-05-07 B+ 3/5 5/5 4/5 3/5 1/5 3/5 2/5
2026-05-06 B+ 3/5 5/5 4/5 3/5 1/5 3/5 2/5
2026-05-05 B+ 3/5 5/5 4/5 3/5 1/5 3/5 2/5
2026-05-04 B+ 3/5 5/5 4/5 3/5 1/5 3/5 2/5
2026-05-01 B+ 3/5 5/5 4/5 3/5 1/5 3/5 2/5
2026-04-30 B+ 3/5 5/5 4/5 3/5 1/5 3/5 2/5
2026-04-29 B+ 3/5 5/5 4/5 4/5 1/5 3/5 2/5
2026-04-28 B+ 3/5 5/5 4/5 4/5 1/5 3/5 2/5
2026-04-27 B+ 3/5 5/5 4/5 4/5 1/5 3/5 2/5
2026-04-24 B+ 3/5 5/5 4/5 4/5 1/5 3/5 2/5
2026-04-23 B+ 3/5 5/5 4/5 4/5 1/5 3/5 2/5
2026-04-20 A- 4/5 5/5 4/5 4/5 1/5 3/5 3/5
2026-04-17 A- 4/5 5/5 4/5 4/5 1/5 3/5 3/5
2026-04-16 A- 4/5 5/5 4/5 4/5 1/5 3/5 3/5
2026-04-15 A- 4/5 5/5 4/5 4/5 1/5 3/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
3.52B
OE per share TTM
2.84
Owner's Yield
9.06%
Maintenance CapEx ratio
46.97%
Maint CapEx / Avg PPE
25.5%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
715.4K
Shares Outstanding
1.22B

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Sagy Aseraf EVice President, Head of International Private Banking & Regional Manager of Florida-IDB New York 8M male
Raja Adnan Dakkuri Deputy CEO of IDB Bank 7M male
Daniel G. Roberts Executive VP & Chief Risk Officer of IDB Bank 6M male
Avner Mendelson President & CEO of IDB Bank 6M male
Avraham Levy President & Chief Executive Officer 4M male
Hila Eran Zick Executive VP & Head of Corporate Division 3M female
Hadar Brin Weiss Executive Vice President, Chief Legal Counsel & Head of the Legal Counsel Division 3M female
Assaf Eldar Executive Vice President & Head of Banking Division 3M male
Adi Kaplan Executive Vice President & Head of Technologies Division 3M male
Morris Dorfman Executive VP & Head of the Strategy, Finance and Subsidiaries Division
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits