Israel Discount Bank Ltd (ISDAY) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of Israel Discount Bank Ltd $102, price $120, upside -14.8%, quality 55 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $20.14 – $132.64 · fair‑value band $85.63 – $163.80 · the $119.62 price screens above the $101.95 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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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.
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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 Ltd ADR (ISDAY) currently trades at $119.62, while our model-based Fair Value estimate is $101.95, 14.8% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $126.07 per share, and 2 of the 6 models we run sit above the $119.62 price.
Bear case: the Asset-Based group reads lowest at $60.34, and 4 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: $85.63 (bear) to $163.80 (bull), the price of $119.62 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 55/100 (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 ADR reported revenue of 25.3B ILS in FY2025 versus 11.4B ILS in FY2021, a compound +22.1%/yr. Reported net income was 3.8B ILS in FY2025, compounding +8.2%/yr from FY2021.
Key figures
Market cap $14.8B · P/E ratio 11.0 · P/S ratio 1.65 · EPS (TTM) $10.86 · Dividend yield 4.9% · Net margin 15.0% · Return on equity 11.2% · Return on assets (EBIT) 1.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).
What moves the price
The share trades about 10% below its 52-week high and 26% 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 −15%, ISDAY screens cheaper than that median.
Fair Value models
Bear $85.63Fair Value $101.95Bull $163.80
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 ($8.21 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.
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.89/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−7.1%
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.
+17.8%
Revenue growth 5 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.
+18.2%
Start year 2020 (pandemic). Over 10 years: +11.8% a year
Revenue growth 23 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.
+7.7%
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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.
+21.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+16.1%
Dividend (yield on the price)4.9%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.16.1% vs 15.8%, steady
Profit margin 2020 to 2025 ⓘ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.14% → 23%
Start year 2020 (pandemic)
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.
News mood ⓘNews mood, the average tone of recent news (13 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Negative
Recent news coverage is more negative than average.
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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 8/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score57 · Above median
Fair Value upside−15.6% · Above median
Profitability
Return on equity (TTM)11.2% · Above median
Return on assets0.9% · 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)4.9% · Top 25%
Balance sheet
Debt / equity0.39× · Above median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Israel Discount Bank Ltd ADR Fair Value". https://www.fairvalue-calculator.com/stock/ISDAY
Frequently asked questions
Is Israel Discount Bank Ltd (ISDAY) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $101.95 versus a price of $119.62, about −15% upside (overvalued).
What is the fair value of ISDAY?
Our model-based fair value for Israel Discount Bank Ltd ADR is $101.95 (as of Sep 23, 2026), built from audited fundamentals. The current price: $119.62.
What is the quality score of ISDAY?
Israel Discount Bank Ltd ADR has a Quality Score of 55/100. 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 Ltd (ISDAY)?
Our model-based price target is the fair value of $101.95 (as of Sep 23, 2026) from 6 valuation models. Cautious scenario $85.63, optimistic scenario $163.80. It is a calculation from audited fundamentals, not an analyst target.
What is the Israel Discount Bank Ltd ADR stock forecast for 2026?
Our models put fair value at $101.95, about −15% upside versus a price of $119.62 (overvalued). Cautious scenario $85.63, optimistic scenario $163.80. The calculation is refreshed regularly with new filings.
What is the revenue of Israel Discount Bank Ltd (ISDAY)?
Israel Discount Bank Ltd ADR reported trailing-twelve-month revenue of about 15.6B ILS (latest available figure, as of Sep 23, 2026).
Does Israel Discount Bank Ltd ADR pay a dividend?
Israel Discount Bank Ltd ADR currently shows a dividend yield of about 4.92% relative to its recent price (as of Sep 23, 2026).
What growth is priced into Israel Discount Bank Ltd (ISDAY)?
For today's price to be fair in a discounted-cash-flow model, Israel Discount Bank Ltd ADR 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 5 years revenue grew +18.2 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of ISDAY use?
Our models discount Israel Discount Bank Ltd ADR 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 Ltd ADR 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 Ltd (ISDAY) delivered so far?
Over the past 5 years revenue at Israel Discount Bank Ltd ADR grew +18.2 % 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 Ltd (ISDAY) growing?
The median revenue growth in the sector is +9.3 % a year. That is the yardstick for the growth priced into Israel Discount Bank Ltd ADR (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 Ltd (ISDAY)?
The free-cash-flow yield on the price is 22.61 %: that much free cash flow Israel Discount Bank Ltd ADR 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 Ltd (ISDAY)?
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 Ltd ADR it is $101.95 per share (as of Sep 23, 2026), against a price of $119.62. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Israel Discount Bank Ltd ADR stock overvalued or undervalued in 2026?
As of Sep 23, 2026, ISDAY trades above its calculated fair value: price $119.62, fair value $101.95, a gap of about −15% (overvalued). 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 ISDAY?
No. The price is what the market pays today ($119.62); the fair value is what the company's own numbers justify ($101.95). For Israel Discount Bank Ltd ADR the two are $17.67 per share apart. That gap is exactly why we show both numbers side by side.
How much is Israel Discount Bank Ltd ADR worth?
The market values Israel Discount Bank Ltd ADR at about $14.8B (market capitalisation, as of Sep 23, 2026). Per share that is $119.62; our models calculate a fair value of $101.95 per share.
What do the bullish and bearish scenarios say about ISDAY?
Our models span a range for Israel Discount Bank Ltd ADR: cautious scenario $85.63, base $101.95, optimistic $163.80 per share (as of Sep 23, 2026, price $119.62). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of ISDAY?
Israel Discount Bank Ltd ADR trades at a price-to-earnings ratio of 11.0 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $101.95 is built from several models across several years. Other multiples: P/B 1.3, P/S 2.9.
How solid is the balance sheet of Israel Discount Bank Ltd (ISDAY)?
Balance-sheet figures for Israel Discount Bank Ltd ADR (as of Sep 23, 2026): return on equity 11.2%, debt of 0.39 per unit of equity. They feed the Quality Score of 55/100, which measures business quality independently of the share price.
How far is ISDAY from its 52-week high?
Israel Discount Bank Ltd ADR trades at $119.62, about 10% below its 52-week high of $132.64 and 26% above the low of $94.75 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of $101.95 is for.
Which stocks are comparable to Israel Discount Bank Ltd ADR?
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 Ltd ADR stock attractive at the current price?
The data as of Sep 23, 2026: price $119.62, calculated fair value $101.95 (−15%), Quality Score 55/100, from 6 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 ISDAY calculated?
We run Israel Discount Bank Ltd ADR through 6 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 $101.95, 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 Ltd ADR itself currently trades above fair value. 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 Ltd (ISDAY)?
The closing price on Oct 2, 2026 was $119.62. Our model-based fair value is $101.95, about −15% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Israel Discount Bank Ltd ADR right now?
Solid but not exceptional quality (55/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range ($85.63 to $163.80) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Israel Discount Bank Ltd (ISDAY) come from?
Earnings per share at Israel Discount Bank Ltd ADR grew +18.8 % a year from 2014 to 2025. Broken into its drivers: revenue per share +10.8 %, EBIT margin +5.8 %, tax rate +1.0 %, residual (interest, one-offs) +0.4 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Israel Discount Bank Ltd ADR
How large is the market capitalisation of Israel Discount Bank Ltd (ISDAY)?
The market capitalisation of Israel Discount Bank Ltd ADR is $14.8B. 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 Ltd (ISDAY)?
The price-to-sales ratio of Israel Discount Bank Ltd ADR is 1.65 (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 Ltd (ISDAY)?
Earnings per share at Israel Discount Bank Ltd ADR are $10.86 (price ÷ EPS = P/E 11.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Israel Discount Bank Ltd (ISDAY)?
The dividend yield of Israel Discount Bank Ltd ADR is 4.9% (payout 54.2%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Israel Discount Bank Ltd (ISDAY)?
The net margin of Israel Discount Bank Ltd ADR is 15.0% (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 Ltd (ISDAY)?
The return on equity (ROE) of Israel Discount Bank Ltd ADR 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 Ltd (ISDAY)?
On an EBIT basis the return on assets of Israel Discount Bank Ltd ADR is 1.4% (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 Ltd (ISDAY)?
Revenue at Israel Discount Bank Ltd ADR is growing −8.0% versus a year earlier (3y avg +17.8%). 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 Ltd (ISDAY)?
Earnings per share at Israel Discount Bank Ltd ADR are growing −9.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Israel Discount Bank Ltd (ISDAY) hold?
Israel Discount Bank Ltd ADR holds more cash than debt, 14.2B ILS net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Some data
Sep 23, 2026