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Israel Discount Bank Limited (ISDAF) fair value: what the stock is really worth

As of Sep 25, 2026: fair value of Israel Discount Bank Limited $13.52, price $10.53, upside +28.5%, quality 59 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? Yes
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Financial Services · US · Home Israel

ID Israel Discount Bank Limited logo Some data Oct 3, 2026

Israel Discount Bank Limited

ISDAF · US

UndervaluedThe stock appears undervalued with acceptable quality.

✓Fair value $13.52 · Undervalued (+28.5%)
!Quality 59/100
!Weak Growth (revenue 3y +1.6 %/yr)
✓Highly profitable · 32.0% net margin (TTM)
✓Low debt · generates free cash flow
!Mixed vs. peers (7/13)
!Moderate moat 57/100
!Evidence only medium, so the estimate is less certain
!Weak on valuation: 13 out of 100
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$11.30 $2.53 Fair Value $13.52 May 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 3, 2026.

How to read this chart

60‑month range $2.53 – $11.30 · fair‑value band $10.15 – $16.90 · the $10.53 price screens below the $13.52 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 3, 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. The company operates through Retail Banking, Middle Market Banking, Corporate Banking, Financial Operations, Discount Capital, Discount Bancorp, and Other segments.

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Israel Discount Bank Limited, together with its subsidiaries, provides various banking and financial services in Israel, Europe, and North America. 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 Limited (ISDAF) currently trades at $10.53, while our model-based Fair Value estimate is $13.52, implying the stock looks roughly 22.2% undervalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $12.67 per share, and 2 of the 4 models we run sit above the $10.53 price.

Bear case: the Asset-Based group reads lowest at $6.06, and 2 of the 4 models stay below the price. Evidence for this calculation is medium.

Scenario range: $10.15 (bear) to $16.90 (bull), the price of $10.53 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 59/100 (solid quality), in the Financial Services sector.

Weak Growth: Growth has flattened: the last year, three and five years all grew more slowly than the long-term average.

Israel Discount Bank Limited reported revenue of 13.1B ILS in FY2025 versus 10.4B ILS in FY2021, a compound +5.9%/yr. Reported net income was 4.1B ILS in FY2025, compounding +10.5%/yr from FY2021.

Key figures

Market cap $12.9B · P/E ratio 9.7 · P/S ratio 3.05 · EPS (TTM) $1.09 · Net margin 31.5% · Return on equity 11.2% · Return on assets (EBIT) 0.9% · Revenue (TTM) 15.7B ILS.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).

What moves the price

The share trades about 7% below its 52-week high and 67% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at 28%, ISDAF screens cheaper than that median.

Fair Value models

Bear $10.15 Fair Value $13.52 Bull $16.90
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($0.8242 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Residual Income $8.47 $9.97 $13.57 76
P/E Multiple $10.81 $14.41 $18.01 63
P/B Multiple $9.50 $12.67 $15.84 55
All 4 models by family
Multiples
P/E Multiple $10.81 $14.41 $18.01 63
P/B Multiple $9.50 $12.67 $15.84 55
Asset-Based
NCAV (Graham) $4.53 $6.06 $9.05 54
Economic Profit
Residual Income $8.47 $9.97 $13.57 76

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Quality Score breakdown

Overall quality 59/100

Of which business quality 61 · Market factors (momentum, volatility) 77

Profitability 36
Margins and returns on capital today
Quality Growth 51
Are margins and returns improving?
Cashflow 91
Earnings quality: real cash, not paper profit
Fin. Strength 46
Balance sheet, leverage, solvency risk
Investment 62
Disciplined investing over empire-building
Low Volatility 58
Calm price path (market factor)
Momentum 81
Price trend over the last 3–12 months (market factor)
52W Momentum 93
Distance to the 52-week high (market factor)
Net Issuance 87
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 40/100
Growth has flattened: the last year, three and five years all grew more slowly than the long-term average.
Revenue growth 1 year
−0.8%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+1.6%
Revenue growth 11 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+5.7%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+7.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year+7.3%
Dividend (yield on the price)0.0%
Profit margin 2014 to 2019 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.11% → 30%

Growth Forecast

Little optimism in the price
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
less than -40 %
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.

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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 · 1053 stocks

Beats the industry median on 7/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 63 · Top 25%
Fair Value upside −15.6% · Above median
Profitability
Return on equity (TTM) 11.2% · Above median
Return on assets 0.9% · Below median
Net margin (TTM) 32.0% · Above median
Operating margin (TTM) 0.0% · Bottom 25%
Growth and dividend
Revenue growth −8.0% · Bottom 25%
Dividend yield (TTM) 0.0% · Bottom 25%
Balance sheet
Debt / equity 0.39× · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 9.7× · Cheaper than median
P/B 1.16× · Pricier than median
P/S (TTM) 2.51× · Cheaper than median
P/FCF 6.6× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)13 · sector 12
FUTURE (revenue growth)0 · sector 47
PAST (return on equity)45 · sector 41
HEALTH (low debt)81 · sector 84
DIVIDEND (yield)0 · sector 52

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
DBS Group D05 78.00 SGD 40.39 SGD −48%
China Merchants Bank Co 600036 ¥40.69 ¥52.73 +30%
UniCredit S.p.A UCG €79.53 €77.12 −3%
Mizuho Financial Group MFG $11.05 $6.82 −38%
Intesa Sanpaolo S.p.A ISP €6.38 €4.06 −36%
BNP Paribas SA BNP €91.54 €105.99 +16%
HDFC Bank Limited HDFCBANK ₹721.20 ₹406.44 −44%
Oversea-Chinese Banking Corporation O39 32.01 SGD 19.78 SGD −38%
Al Rajhi Banking and Investment Corporation 1120 63.15 SAR 36.95 SAR −41%
CaixaBank, S.A CABK €12.03 €8.46 −30%

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Israel Discount Bank Limited · Fair Value
$13.52 +22%Fair Value
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Cite: Fair Value Calculator (2026). "Israel Discount Bank Limited Fair Value". https://www.fairvalue-calculator.com/stock/ISDAF

Frequently asked questions

Is Israel Discount Bank Limited (ISDAF) overvalued or undervalued?
As of Oct 3, 2026, our model estimates a fair value of $13.52 versus the last price from Sep 25, 2026 of $10.53, about +28% upside (undervalued).
What is the fair value of ISDAF?
Our model-based fair value for Israel Discount Bank Limited is $13.52 (as of Oct 3, 2026), built from audited fundamentals. Last price (from Sep 25, 2026): $10.53.
What is the quality score of ISDAF?
Israel Discount Bank Limited has a Quality Score of 59/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Israel Discount Bank Limited (ISDAF)?
Our model-based price target is the fair value of $13.52 (as of Oct 3, 2026) from 4 valuation models. Cautious scenario $10.15, optimistic scenario $16.90. It is a calculation from audited fundamentals, not an analyst target.
What is the Israel Discount Bank Limited stock forecast for 2026?
Our models put fair value at $13.52, about +28% upside versus the last price from Sep 25, 2026 of $10.53 (undervalued). Cautious scenario $10.15, optimistic scenario $16.90. The calculation is refreshed regularly with new filings.
What is the revenue of Israel Discount Bank Limited (ISDAF)?
Israel Discount Bank Limited reported trailing-twelve-month revenue of about 15.7B ILS (latest available figure, as of Oct 3, 2026).
What growth is priced into Israel Discount Bank Limited (ISDAF)?
For today's price to be fair in a discounted-cash-flow model, Israel Discount Bank Limited would have to grow free cash flow by less than minus 40 % per year for five years (discount rate 8.1 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 6 years revenue grew +6.5 % per year. As of Oct 3, 2026.
What discount rate (WACC) does the fair value of ISDAF use?
Our models discount Israel Discount Bank Limited at 8.1 %: a base by market capitalisation (large), damped by beta 0.38, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Israel Discount Bank Limited that is less than minus 40 % per year a year over ten years, using the same discount rate (8.1 %) and the same formula as our fair value.
How much growth has Israel Discount Bank Limited (ISDAF) delivered so far?
Over the past 6 years revenue at Israel Discount Bank Limited grew +6.5 % a year. The price currently implies less than minus 40 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Israel Discount Bank Limited (ISDAF) growing?
The median revenue growth in the sector is +7.8 % a year. That is the yardstick for the growth priced into Israel Discount Bank Limited (less than minus 40 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Israel Discount Bank Limited (ISDAF)?
The free-cash-flow yield on the price is 15.18 %: that much free cash flow Israel Discount Bank Limited produces per unit of market value. When it exceeds the discount rate of our models (8.1 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Israel Discount Bank Limited (ISDAF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Israel Discount Bank Limited it is $13.52 per share (as of Oct 3, 2026), against a price of $10.53. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Israel Discount Bank Limited stock overvalued or undervalued in 2026?
As of Oct 3, 2026, ISDAF trades below its calculated fair value: price $10.53, fair value $13.52, a gap of about +28% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of ISDAF?
No. The price is what the market pays today ($10.53); the fair value is what the company's own numbers justify ($13.52). For Israel Discount Bank Limited the two are $3.00 per share apart. That gap is exactly why we show both numbers side by side.
How much is Israel Discount Bank Limited worth?
The market values Israel Discount Bank Limited at about $12.9B (market capitalisation, as of Oct 3, 2026). Per share that is $10.53; our models calculate a fair value of $13.52 per share.
What do the bullish and bearish scenarios say about ISDAF?
Our models span a range for Israel Discount Bank Limited: cautious scenario $10.15, base $13.52, optimistic $16.90 per share (as of Oct 3, 2026, price $10.53). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of ISDAF?
Israel Discount Bank Limited trades at a price-to-earnings ratio of 9.7 (as of Oct 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $13.52 is built from several models across several years. Other multiples: P/B 1.2, P/S 2.5.
How solid is the balance sheet of Israel Discount Bank Limited (ISDAF)?
Balance-sheet figures for Israel Discount Bank Limited (as of Oct 3, 2026): return on equity 11.2%, debt of 0.39 per unit of equity. They feed the Quality Score of 59/100, which measures business quality independently of the share price.
How far is ISDAF from its 52-week high?
Israel Discount Bank Limited trades at $10.53, about 7% below its 52-week high of $11.30 and 67% above the low of $6.30 (as of Sep 25, 2026). Distance from the high says nothing about value: that is what the fair value of $13.52 is for.
Which stocks are comparable to Israel Discount Bank Limited?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Israel Discount Bank Limited stock attractive at the current price?
The data as of Oct 3, 2026: price $10.53, calculated fair value $13.52 (+28%), Quality Score 59/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of ISDAF calculated?
We run Israel Discount Bank Limited through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $13.52, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Israel Discount Bank Limited currently trades 22 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Israel Discount Bank Limited (ISDAF)?
The latest price we hold is from Sep 25, 2026 and stands at $10.53. Our model-based fair value is $13.52, about +28% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Israel Discount Bank Limited right now?
Solid quality (59/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Israel Discount Bank Limited

How large is the market capitalisation of Israel Discount Bank Limited (ISDAF)?
The market capitalisation of Israel Discount Bank Limited is $12.9B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Israel Discount Bank Limited (ISDAF)?
The price-to-sales ratio of Israel Discount Bank Limited is 3.05 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Israel Discount Bank Limited (ISDAF)?
Earnings per share at Israel Discount Bank Limited are $1.09 (price ÷ EPS = P/E 9.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Israel Discount Bank Limited (ISDAF)?
The net margin of Israel Discount Bank Limited is 31.5% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Israel Discount Bank Limited (ISDAF)?
The return on equity (ROE) of Israel Discount Bank Limited is 11.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Israel Discount Bank Limited (ISDAF)?
On an EBIT basis the return on assets of Israel Discount Bank Limited is 0.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
How fast is revenue growing at Israel Discount Bank Limited (ISDAF)?
Revenue at Israel Discount Bank Limited is growing −8.0% versus a year earlier (3y avg +1.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Israel Discount Bank Limited (ISDAF)?
Earnings per share at Israel Discount Bank Limited are growing −9.7% versus a year earlier. How much earnings per share grew versus a year earlier.
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