Israel Discount Bank Past Earnings Performance
Past criteria checks 2/6
Israel Discount Bank has been growing earnings at an average annual rate of 20.2%, while the Banks industry saw earnings growing at 20.1% annually. Revenues have been growing at an average rate of 11.5% per year. Israel Discount Bank's return on equity is 12.9%, and it has net margins of 28.2%.
Key information
20.20%
Earnings growth rate
18.97%
EPS growth rate
| Banks Industry Growth | 24.56% |
| Revenue growth rate | 11.54% |
| Return on equity | 12.91% |
| Net Margin | 28.15% |
| Last Earnings Update | 30 Sep 2025 |
Recent past performance updates
Recent updates
Time To Worry? Analysts Just Downgraded Their Israel Discount Bank Limited (TLV:DSCT) Outlook
Sep 24
Here's Why Israel Discount Bank (TLV:DSCT) Has Caught The Eye Of Investors
Jul 09
Digital Transformation And Fintech Partnerships Will Shape Future Prospects
Digital innovation, robust asset quality, and a strong capital base are set to drive customer growth, operational efficiency, and earnings stability.Israel Discount Bank (TLV:DSCT) Is Paying Out A Dividend Of ₪0.2529
May 22Revenue & Expenses Breakdown
How Israel Discount Bank makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 30 Sep 25 | 15,682 | 4,415 | 5,752 | 0 |
| 30 Jun 25 | 15,649 | 4,410 | 5,803 | 0 |
| 31 Mar 25 | 15,382 | 4,251 | 5,759 | 0 |
| 31 Dec 24 | 15,276 | 4,281 | 5,728 | 0 |
| 30 Sep 24 | 12,943 | 3,988 | 5,203 | 0 |
| 30 Jun 24 | 13,000 | 3,724 | 5,392 | 0 |
| 31 Mar 24 | 13,610 | 3,919 | 5,505 | 0 |
| 31 Dec 23 | 14,572 | 4,192 | 5,572 | 0 |
| 30 Sep 23 | 14,597 | 4,212 | 5,535 | 0 |
| 30 Jun 23 | 14,451 | 4,288 | 5,369 | 0 |
| 31 Mar 23 | 13,444 | 3,781 | 5,240 | 0 |
| 31 Dec 22 | 12,537 | 3,495 | 5,129 | 0 |
| 30 Sep 22 | 11,845 | 3,085 | 4,990 | 0 |
| 30 Jun 22 | 11,442 | 2,914 | 4,959 | 0 |
| 31 Mar 22 | 11,646 | 3,094 | 4,946 | 0 |
| 31 Dec 21 | 11,184 | 2,773 | 4,883 | 0 |
| 30 Sep 21 | 10,667 | 2,508 | 4,702 | 0 |
| 30 Jun 21 | 10,021 | 2,044 | 4,662 | 0 |
| 31 Mar 21 | 8,916 | 1,358 | 4,592 | 0 |
| 31 Dec 20 | 8,187 | 975 | 4,606 | 0 |
| 30 Sep 20 | 8,141 | 1,036 | 4,655 | 0 |
| 30 Jun 20 | 8,205 | 1,205 | 4,632 | 0 |
| 31 Mar 20 | 8,759 | 1,576 | 4,690 | 0 |
| 31 Dec 19 | 8,974 | 1,702 | 4,691 | 0 |
| 30 Sep 19 | 8,986 | 1,701 | 4,678 | 0 |
| 30 Jun 19 | 8,962 | 1,713 | 4,663 | 0 |
| 31 Mar 19 | 8,686 | 1,591 | 4,658 | 0 |
| 31 Dec 18 | 8,480 | 1,505 | 4,678 | 0 |
| 30 Sep 18 | 8,351 | 1,552 | 4,563 | 0 |
| 30 Jun 18 | 8,079 | 1,426 | 4,519 | 0 |
| 31 Mar 18 | 7,788 | 1,275 | 4,436 | 0 |
| 31 Dec 17 | 7,759 | 1,259 | 4,439 | 0 |
| 30 Sep 17 | 7,487 | 1,033 | 4,314 | 0 |
| 30 Jun 17 | 7,344 | 908 | 4,379 | 0 |
| 31 Mar 17 | 7,677 | 1,029 | 4,470 | 0 |
| 31 Dec 16 | 7,498 | 905 | 4,419 | 0 |
| 30 Sep 16 | 7,443 | 820 | 4,715 | 0 |
| 30 Jun 16 | 7,370 | 800 | 4,727 | 0 |
| 31 Mar 16 | 7,079 | 677 | 4,721 | 0 |
| 31 Dec 15 | 7,123 | 750 | 4,744 | 0 |
| 30 Sep 15 | 7,172 | 694 | 4,980 | 0 |
| 30 Jun 15 | 7,289 | 731 | 5,089 | 0 |
| 31 Mar 15 | 7,288 | 622 | 5,367 | 0 |
Quality Earnings: DSCT has high quality earnings.
Growing Profit Margin: DSCT's current net profit margins (28.2%) are lower than last year (30.8%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: DSCT's earnings have grown significantly by 20.2% per year over the past 5 years.
Accelerating Growth: DSCT's earnings growth over the past year (10.7%) is below its 5-year average (20.2% per year).
Earnings vs Industry: DSCT earnings growth over the past year (10.7%) did not outperform the Banks industry 10.8%.
Return on Equity
High ROE: DSCT's Return on Equity (12.9%) is considered low.
Return on Assets
Return on Capital Employed
Discover strong past performing companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/01/22 10:28 |
| End of Day Share Price | 2026/01/22 00:00 |
| Earnings | 2025/09/30 |
| Annual Earnings | 2024/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Israel Discount Bank Limited is covered by 8 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Tavy Rosner | Barclays |
| David Taranto | BofA Global Research |
| Borja Ramirez Segura | Citigroup Inc |