Bank Hapoalim BM is an Israeli bank that operates hundreds of full-service retail branches focusing on households, small businesses, and private banking to high-net-worth individuals. The bank offers a range of banking and payments products, capital market and foreign trade facilities, and a full gamut of financial planning advisory services, including pension and retirement planning. Its private banking division offers wealth management services and has a global presence. Most of its net revenue is derived from net interest income in the corporate and household segments. The bank's strategy emphasizes its competitive positioning in Israel, diversification of revenue sources, operational efficiency, and financial technology.

Financial Strength

3/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	4.82
Equity-to-Asset	0.08
Debt-to-Equity	0.43
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	5/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.17	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

2/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	17.5
	3-Year EPS without NRI Growth Rate	51
	3-Year Book Growth Rate	9.5

Momentum Rank

	Name	Current	Vs Industry		Vs History
	5-Day RSI	45.09
	9-Day RSI	46.81
	14-Day RSI	47.82
	6-1 Month Momentum %	13.53
	12-1 Month Momentum %	6.67

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	5.09
	Dividend Payout Ratio	0.33
	Forward Dividend Yield %	3.17
	5-Year Yield-on-Cost %	5.09
	Shareholder Yield %	11.34

Profitability Rank

5/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	34.54
	FCF Margin %	-6.6
	ROE %	14.92
	ROA %	1.09
	Years of Profitability over Past 10-Year	10

GF Value Rank

7/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	6.04
	PE Ratio without NRI	6.08
	Shiller PE Ratio	10.85
	Price-to-Owner-Earnings	38.07
	PEG Ratio	0.89
	PS Ratio	2.08
	PB Ratio	0.85
	Price-to-Tangible-Book	0.85
	EV-to-Revenue	-1.92
	EV-to-FCF	29.12
	Price-to-Projected-FCF	0.66
	Price-to-Median-PS-Value	0.89
	Price-to-Peter-Lynch-Fair-Value	0.94
	Price-to-Graham-Number	0.48
	FCF Yield %	-3.17
	Forward Rate of Return (Yacktman) %	9.97

GF Value: ₪39.59

XTAE:POLI

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