Bank Leumi Le Israel BM

Bank Leumi Le Israel BM maintains a capital structure characterized by total assets of ILS 872.97 billion and total equity of ILS 68.13 billion. The balance sheet shows total liabilities of ILS 804.84 billion, with long-term debt standing at ILS 66.61 billion. The debt-to-equity ratio is 0.98, indicating a leveraged but stable capital base typical for banking entities. Operating cash flow is reported at ILS 11.37 billion, while free cash flow stands at ILS 5.63 billion after capital expenditures of ILS 0.90 billion. The risk assessment flags medium liquidity risk and notes that net cash is negative after subtracting total debt, a standard condition for banks where deposits constitute liabilities rather than operational cash reserves.

Profitability metrics show a return on equity (ROE) of 14.98% and a return on assets (ROA) of 1.17%. Net income for the latest period is ILS 10.26 billion against revenue of ILS 16.85 billion. While specific cohort medians are not provided in the input data for direct comparison, these returns reflect the core earnings power of the institution. The valuation snapshot presents anomalous multiples, with a price-to-earnings ratio of 983.46 and a price-to-book ratio of 147.31, which likely stem from data scaling discrepancies between the market price (ILS 6,820.0) and the share count or market capitalization figures provided, rather than reflecting fundamental overvaluation.

Net income CAGR of 14.2% over four years demonstrates strong historical earnings growth momentum for the bank.

Total assets grew at a 7.4% CAGR over five years, indicating consistent balance sheet expansion.

Equity grew at a 13.1% CAGR over five years, supporting capital base strength.

The stock trades at a price-to-book ratio of 147.31, implying extreme valuation relative to tangible assets.

Long-term debt increased to 66.6 billion ILS in FY2026, reflecting rising leverage obligations.

Medium liquidity risk flags suggest potential challenges in meeting short-term financial obligations.

Revenue ILS 3.91B, −2,7% YoY; Net income −2,4% YoY.

• ▍Revenue ILS 3.91B, −2,7% YoY
• ▍Net income −2,4% YoY
• ▍Free cash flow −50,7% YoY
• ▍Net margin 60.0%

Revenue ILS 3.82B, +0,1% YoY; Net income +4,0% YoY.

• ▍Revenue ILS 3.82B, +0,1% YoY
• ▍Net income +4,0% YoY
• ▍Free cash flow −45,3% YoY
• ▍Net margin 66.7%

Revenue ILS 4.47B, −1,6% YoY; Net income +17,8% YoY.

• ▍Revenue ILS 4.47B, −1,6% YoY
• ▍Net income +17,8% YoY
• ▍Free cash flow +4,0% YoY
• ▍Net margin 60.4%

Revenue ILS 4.54B, +3,7% YoY; Net income +15,0% YoY.

• ▍Revenue ILS 4.54B, +3,7% YoY
• ▍Net income +15,0% YoY
• ▍Free cash flow +10,7% YoY
• ▍Net margin 57.5%

Revenue ILS 4.02B; Net margin 59.8%.

• ▍Revenue ILS 4.02B
• ▍Net margin 59.8%

Revenue ILS 3.82B; Net margin 64.2%.

• ▍Revenue ILS 3.82B
• ▍Net margin 64.2%

Revenue ILS 4.54B; Net margin 50.5%.

• ▍Revenue ILS 4.54B
• ▍Net margin 50.5%

Revenue ILS 4.38B; Net margin 51.8%.

• ▍Revenue ILS 4.38B
• ▍Net margin 51.8%

Revenue ILS 16.85B, +2,1% YoY; Net income +4,7% YoY.

• ▍Revenue ILS 16.85B, +2,1% YoY
• ▍Net income +4,7% YoY
• ▍Free cash flow −23,6% YoY
• ▍Net margin 60.9%

Revenue ILS 16.51B, +3,2% YoY; Net income +39,4% YoY.

• ▍Revenue ILS 16.51B, +3,2% YoY
• ▍Net income +39,4% YoY
• ▍Free cash flow +30,0% YoY
• ▍Net margin 59.3%

Revenue ILS 16.00B, +21,1% YoY; Net income −8,8% YoY.

• ▍Revenue ILS 16.00B, +21,1% YoY
• ▍Net income −8,8% YoY
• ▍Free cash flow +3,2% YoY
• ▍Net margin 43.9%

Revenue ILS 13.21B, +27,7% YoY; Net income +27,9% YoY.

• ▍Revenue ILS 13.21B, +27,7% YoY
• ▍Net income +27,9% YoY
• ▍Free cash flow +33,5% YoY
• ▍Net margin 58.4%