Israel Discount Bank Ratios and Metrics

Market cap in millions ILS. Fiscal year is January - December.

Millions ILS. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 27, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Market Capitalization	37,414	41,371	30,725	22,699	22,860	24,375
Market Cap Growth	4.58%	34.65%	35.36%	-0.70%	-6.21%	69.42%
Last Close Price	30.58	33.46	23.63	16.63	16.01	17.69
PE Ratio	9.41	9.99	7.18	5.42	6.54	8.79
PS Ratio	2.91	3.22	2.40	1.87	1.82	2.18
PB Ratio	1.06	1.17	0.93	0.78	0.90	1.10
P/FCF Ratio	6.27	6.93	9.05	27.72	-	7.00
P/OCF Ratio	5.61	6.20	7.26	11.28	-	5.47
Debt / Equity Ratio	1.46	1.46	1.34	1.36	1.05	1.00
Debt / FCF Ratio	8.65	8.65	13.01	48.61	-	6.37
Net Debt / Equity Ratio	-1.11	-1.11	-1.19	-0.93	-2.07	-2.03
Net Debt / FCF Ratio	-6.60	-6.60	-11.55	-33.36	26.26	-12.93
Return on Equity (ROE)	11.76%	11.76%	13.09%	14.00%	14.87%	13.52%
Return on Assets (ROA)	0.87%	0.87%	0.97%	0.99%	1.00%	0.90%
Earnings Yield	11.07%	10.01%	13.93%	18.47%	15.29%	11.38%
FCF Yield	15.96%	14.43%	11.06%	3.61%	-8.79%	14.28%
Dividend Yield	4.55%	4.27%	4.40%	5.07%	3.53%	1.21%
Payout Ratio	39.57%	39.56%	26.93%	24.98%	17.65%	5.19%
Buyback Yield / Dilution	0.26%	0.26%	-0.03%	-1.44%	-4.76%	-
Total Shareholder Return	4.81%	4.54%	4.37%	3.63%	-1.23%	1.21%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.