Time To Worry? Analysts Just Downgraded Their Israel Discount Bank Limited (TLV:DSCT) Outlook
Sep 24
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Israeli (TA) Financials Sector Analysis
UpdatedSep 24, 2025
DataAggregated Company Financials
Companies66
- 7D-1.6%
- 3M-1.7%
- 1Y74.6%
- YTD38.2%
Over the last 7 days, the Financials industry has dropped 1.6%, driven by pullbacks in Bank Leumi le-Israel B.M and Mizrahi Tefahot Bank of 2.1% and 3.2%, respectively. This takes the industry's 12 month performance to a gain of 75%. As for the next few years, earnings are expected to grow by 9.7% per annum.
Sector Valuation and Performance
Has the Israeli Financials Sector valuation changed over the past few years?
| Date | Market Cap | Revenue | Earnings | PE | Absolute PE | PS |
|---|---|---|---|---|---|---|
| Wed, 24 Sep 2025 | ₪429.8b | ₪254.8b | ₪43.0b | 10.1x | 10x | 1.7x |
| Fri, 22 Aug 2025 | ₪458.9b | ₪248.3b | ₪40.9b | 12.2x | 11.2x | 1.8x |
| Sun, 20 Jul 2025 | ₪458.4b | ₪247.0b | ₪40.0b | 13.2x | 11.5x | 1.9x |
| Tue, 17 Jun 2025 | ₪394.9b | ₪247.1b | ₪40.0b | 11.2x | 9.9x | 1.6x |
| Thu, 15 May 2025 | ₪378.9b | ₪249.8b | ₪39.2b | 11.2x | 9.7x | 1.5x |
| Sat, 12 Apr 2025 | ₪338.7b | ₪255.1b | ₪39.2b | 9.9x | 8.6x | 1.3x |
| Mon, 10 Mar 2025 | ₪353.7b | ₪247.8b | ₪38.8b | 11.3x | 9.1x | 1.4x |
| Wed, 05 Feb 2025 | ₪325.3b | ₪245.6b | ₪38.1b | 10.5x | 8.5x | 1.3x |
| Fri, 03 Jan 2025 | ₪307.2b | ₪245.6b | ₪38.1b | 10.4x | 8.1x | 1.3x |
| Sun, 01 Dec 2024 | ₪289.1b | ₪242.3b | ₪38.2b | 9.5x | 7.6x | 1.2x |
| Tue, 29 Oct 2024 | ₪262.8b | ₪225.7b | ₪36.3b | 8.6x | 7.2x | 1.2x |
| Thu, 26 Sep 2024 | ₪245.7b | ₪225.6b | ₪36.2b | 7.6x | 6.8x | 1.1x |
| Sat, 24 Aug 2024 | ₪240.2b | ₪229.0b | ₪35.7b | 7.2x | 6.7x | 1x |
| Mon, 22 Jul 2024 | ₪240.2b | ₪236.6b | ₪34.5b | 8.2x | 7x | 1x |
| Wed, 19 Jun 2024 | ₪226.8b | ₪236.8b | ₪34.5b | 7.5x | 6.6x | 1x |
| Fri, 17 May 2024 | ₪222.5b | ₪220.1b | ₪32.5b | 7.8x | 6.9x | 1x |
| Sun, 14 Apr 2024 | ₪221.6b | ₪218.3b | ₪32.4b | 7.8x | 6.8x | 1x |
| Tue, 12 Mar 2024 | ₪226.3b | ₪213.8b | ₪32.1b | 7.9x | 7x | 1.1x |
| Thu, 08 Feb 2024 | ₪216.5b | ₪214.1b | ₪32.1b | 7.8x | 6.8x | 1x |
| Sat, 06 Jan 2024 | ₪226.0b | ₪214.4b | ₪32.1b | 7.5x | 7x | 1.1x |
| Mon, 04 Dec 2023 | ₪216.7b | ₪214.2b | ₪32.1b | 6.8x | 6.7x | 1x |
| Wed, 01 Nov 2023 | ₪199.0b | ₪199.9b | ₪32.3b | 6.2x | 6.2x | 1x |
| Fri, 29 Sep 2023 | ₪233.3b | ₪199.9b | ₪32.3b | 7.2x | 7.2x | 1.2x |
| Sun, 27 Aug 2023 | ₪220.4b | ₪187.3b | ₪31.9b | 7.5x | 6.9x | 1.2x |
| Tue, 25 Jul 2023 | ₪224.5b | ₪152.6b | ₪29.1b | 7.8x | 7.7x | 1.5x |
| Thu, 22 Jun 2023 | ₪217.4b | ₪152.5b | ₪29.1b | 7.7x | 7.5x | 1.4x |
| Sat, 20 May 2023 | ₪222.6b | ₪142.0b | ₪31.8b | 8.1x | 7x | 1.6x |
| Mon, 17 Apr 2023 | ₪194.1b | ₪143.2b | ₪31.6b | 7.4x | 6.1x | 1.4x |
| Wed, 15 Mar 2023 | ₪204.4b | ₪146.9b | ₪30.5b | 7x | 6.7x | 1.4x |
| Fri, 10 Feb 2023 | ₪206.0b | ₪144.4b | ₪29.2b | 7.2x | 7.1x | 1.4x |
| Sun, 08 Jan 2023 | ₪214.7b | ₪144.3b | ₪29.2b | 7.3x | 7.4x | 1.5x |
| Tue, 06 Dec 2022 | ₪227.6b | ₪146.8b | ₪29.1b | 8.1x | 7.8x | 1.6x |
| Thu, 03 Nov 2022 | ₪238.1b | ₪156.2b | ₪27.3b | 8.8x | 8.7x | 1.5x |
| Sat, 01 Oct 2022 | ₪221.0b | ₪156.2b | ₪27.2b | 8.9x | 8.1x | 1.4x |
Price to Earnings Ratio
8.1x
Current Industry PE
- Investors are optimistic on the Israeli Financials industry, and appear confident in long term growth rates.
- The industry is trading at a PE ratio of 10.0x which is higher than its 3-year average PE of 7.8x.
- The 3-year average PS ratio of 1.3x is lower than the industry's current PS ratio of 1.7x.
Past Earnings Growth
- The earnings for companies in the Financials industry have grown 16% per year over the last three years.
- Revenues for these companies have grown 18% per year.
- This means that more sales are being generated by these companies overall, and subsequently their profits are increasing too.
Industry Trends
Which industries have driven the changes within the Israeli Financials sector?
| IL Market | -0.57% | |
| Financials | -1.57% | |
| Mortgage Finance | 0% | 0 |
| Capital Markets | -0.98% | |
| Diversified Financial | -1.50% | |
| Banks | -1.60% | |
| Insurance | -1.66% | |
| Consumer Finance | -1.74% | |
Industry PE
- Investors are most optimistic about the Consumer Finance industry which is trading above its 3-year average PE ratio of 10.8x.
- It looks like they are confident that earnings will grow faster in the future than they have historically.
- Investors are most pessimistic about the Banks industry, although it looks like investor sentiment has improved given that it's trading above its 3-year average of 7.1x.
Forecasted Growth
- Analysts are most optimistic on the Capital Markets industry, expecting annual earnings growth of 32% over the next 5 years.
- However this is lower than its past earnings growth rate of 42% per year.
- In contrast, the Insurance industry is expected to see its earnings grow by 7.8% per year over the next few years.
Top Stock Gainers and Losers
Which companies have driven the market over the last 7 days?
| Company | Last Price | 7D | 1Y | Valuation | |
|---|---|---|---|---|---|
| CLIS Clal Insurance Enterprises Holdings | ₪149.90 | 0.6% +₪72.0m | 151.6% | PE16.1x | |
| DIFI Direct Finance of Direct Group (2006)Ltd | ₪463.50 | 2.6% +₪35.2m | -10.5% | PE13x | |
| IBI I.B.I. Investment House | ₪209.40 | 1.2% +₪32.8m | 68.5% | PE21.5x | |
| MRIN Y.D. More Investments | ₪40.30 | 1.0% +₪29.3m | 341.2% | PE25.5x | |
| GNRS Generation Capital | ₪1.07 | 2.1% +₪27.9m | 67.7% | PE9.6x |
