Israel Discount Bank Ltd (DSCT) fair value: what the stock is really worth
As of Nov 5, 2026: fair value (intrinsic value) of Israel Discount Bank Ltd stock ILS 29.37, price ILS 31.61, that is 7.1% below the price, quality 60 out of 100. Rating: fairly valued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Israel Discount Bank Ltd
DSCT · TAThe stock costs about what our calculation considers fair.
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What runs behind every stock
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.
How to read this chart
60‑month range 12.07 ILS – 39.89 ILS · fair‑value band 25.32 ILS – 39.47 ILS · the 31.61 ILS price screens above the 29.37 ILS fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.
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Company profile
Israel Discount Bank Limited, together with its subsidiaries, provides various banking and financial services in Israel, Europe, and North America.
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The company operates through Retail Banking, Middle Market Banking, Corporate Banking, Financial Operations, Discount Capital, Discount Bancorp, and Other segments.
Its personal banking services include checking accounts, deposits and savings products, loans, mortgages, credit cards, pension advice, capital market products, and tax exemption services.
The company's business banking services comprise lending of securities, credit facilities, short- and long-term deposits, OTC trading, and brokerage and transaction room services; foreign securities; interest products; foreign exchange products; and consulting for investment, pension, and mortgage services.
In addition, it provides Israeli private banking and international banking.
Further, it manages securities investment portfolios for private customers, corporations, not-for-profit organizations, and institutional bodies; initiates and assists public offerings and private placements; and invests in companies, private equity funds, venture capital funds, and banking field, as well as provides underwriting and distribution services.
Additionally, the company offers digital financial services; operates a payment platform; and engages in accepting deposits, as well as provides consumer credit and credit to small and medium businesses. Israel Discount Bank Limited was incorporated in 1935 and is based in Rishon LeZion, Israel.
Stock analysis
Israel Discount Bank Ltd (DSCT) currently trades at 31.61 ILS, while our model-based Fair Value estimate is 29.37 ILS, so the stock looks roughly fairly valued today (gap 7.6%).
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Valuation
Bull case: the Multiples group reads highest at a median of 38.66 ILS per share, and 2 of the 6 models we run sit above the 31.61 ILS price.
Bear case: the Asset-Based group reads lowest at 18.50 ILS, and 4 of the 6 models stay below the price. Data coverage for this calculation is medium.
Scenario range: 25.32 ILS (bear) to 39.47 ILS (bull), the price of 31.61 ILS sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 60/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Israel Discount Bank Ltd reported revenue of 25.3B ILS in FY2025 versus 11.4B ILS in FY2021, a compound +22.1%/yr. Reported net income was 4.1B ILS in FY2025, compounding +10.5%/yr from FY2021.
Key figures
Market cap 38.8B ILS Large · P/E ratio 10.1 · P/S ratio 3.09 · EPS (TTM) 3.12 ILS · Dividend yield 5.0% · Net margin 32.8% · Return on equity 10.9% · Return on assets (EBIT) 1.5%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 68 out of 100 (low confidence).
What moves the price
The share trades about 21% below its 52-week high and 11% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −34% fair-value upside, at −7%, DSCT screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Revenue & earnings trend
Watch DSCT, get fair value alerts →
Earlier news
- Is Israel Discount Bank (TASE:DSCT) Reasonable On Shareholder Returns?
- Israel Discount Bank (TASE:DSCT) Could Be 13% Undervalued Following Its Recent Pullback
- Israel Discount Bank Ltd (ISDAY) (Q2 2026) Earnings Call Highlights: Strong Profitability and ...
- Israel Discount Bank (TASE:DSCT) Valuation Check After Recent Share Price Pullback
Compare Israel Discount Bank Ltd with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1002 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- P/S ratio by industry
- EBIT margin by industry
- PEG screener for stocks with fair value
- Valuation of the Israel market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs DSCT |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs DSCT |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs DSCT |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs DSCT |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs DSCT |
| Oversea-Chinese Banking Corporation O39 | 27.73 SGD | 18.20 SGD | −34% | vs DSCT |
| Mizuho Financial Group MFG | $9.39 | $5.90 | −37% | vs DSCT |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs DSCT |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs DSCT |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs DSCT |
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Frequently asked questions
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Key figures of Israel Discount Bank Ltd
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