Bank Hapoalim BM
Bank Hapoalim BM operates as a commercial bank within the Israeli financial sector, generating revenue through interest income and fee-based banking services.
Business. Bank Hapoalim BM is a commercial bank operating within the Banking Services industry, primarily generating revenue through interest income. The company is headquartered in Israel and is listed on the Tel Aviv Stock Exchange under the ticker symbol POLI.TA. Specific details regarding its operating segments and geographic revenue mix are not available.
Analyst recommendations
4 analysts · consensus BuyAt a glance
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
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- Peers
- DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
Bank Hapoalim BM is a commercial bank operating within the Banking Services industry, primarily generating revenue through interest income. The company is headquartered in Israel and is listed on the Tel Aviv Stock Exchange under the ticker symbol POLI.TA. Specific details regarding its operating segments and geographic revenue mix are not available.
- Bank Hapoalim BM reports 14.69% ROE and 1.24% ROA, with net income of 9.8 billion ILS on 18.1 billion ILS revenue.
- Liquidity risk is medium due to negative net cash after debt, despite a manageable debt-to-equity ratio of 0.82.
- Dilution risk is low, with no difference between basic and diluted share counts.
- Analyst sentiment is positive, with a mean recommendation of 1.75 and a mean price target of 89.67 ILS.
- Valuation multiples in the snapshot appear anomalous (P/E 952.39), likely due to data scaling issues.
Bull / Bear case
Generated · model-assistedNet income surged 28.4% year-over-year to ILS 9.8 billion, demonstrating strong profitability growth.
Revenue grew at a robust 16.7% compound annual growth rate over the last four fiscal years.
Free cash flow increased 13.7% year-over-year to ILS 5.9 billion, supporting liquidity and shareholder returns.
Long-term debt rose sharply to ILS 53.3 billion in FY2026, increasing leverage and financial risk exposure.
Cash conversion ratio of 0.1 is well below the banking cohort median of 1.14, indicating weaker cash generation.
The company faces a medium level of liquidity risk, which could constrain operations during market stress.
In focus — financials by report
Revenue ILS 4.24B, −0,9% YoY; Net income −12,4% YoY.
- ▍Revenue ILS 4.24B, −0,9% YoY
- ▍Net income −12,4% YoY
- ▍Free cash flow −44,0% YoY
- ▍Net margin 50.2%
Revenue ILS 4.20B, +0,7% YoY; Net income +33,7% YoY.
- ▍Revenue ILS 4.20B, +0,7% YoY
- ▍Net income +33,7% YoY
- ▍Free cash flow −5,4% YoY
- ▍Net margin 49.4%
Revenue ILS 4.83B, +5,5% YoY; Net income +44,8% YoY.
- ▍Revenue ILS 4.83B, +5,5% YoY
- ▍Net income +44,8% YoY
- ▍Free cash flow +3,6% YoY
- ▍Net margin 57.1%
Revenue ILS 4.80B, +9,4% YoY; Net income +13,6% YoY.
- ▍Revenue ILS 4.80B, +9,4% YoY
- ▍Net income +13,6% YoY
- ▍Free cash flow +65,1% YoY
- ▍Net margin 53.0%
Revenue ILS 4.28B; Net margin 56.7%.
- ▍Revenue ILS 4.28B
- ▍Net margin 56.7%
Revenue ILS 4.17B; Net margin 37.2%.
- ▍Revenue ILS 4.17B
- ▍Net margin 37.2%
Revenue ILS 4.58B; Net margin 41.6%.
- ▍Revenue ILS 4.58B
- ▍Net margin 41.6%
Revenue ILS 4.38B; Net margin 51.0%.
- ▍Revenue ILS 4.38B
- ▍Net margin 51.0%
Revenue ILS 18.10B, +6,8% YoY; Net income +28,4% YoY.
- ▍Revenue ILS 18.10B, +6,8% YoY
- ▍Net income +28,4% YoY
- ▍Free cash flow +13,8% YoY
- ▍Net margin 54.1%
Revenue ILS 16.95B, +5,4% YoY; Net income +3,7% YoY.
- ▍Revenue ILS 16.95B, +5,4% YoY
- ▍Net income +3,7% YoY
- ▍Free cash flow +12,6% YoY
- ▍Net margin 45.0%
Revenue ILS 16.09B, +19,4% YoY; Net income +12,6% YoY.
- ▍Revenue ILS 16.09B, +19,4% YoY
- ▍Net income +12,6% YoY
- ▍Free cash flow −16,8% YoY
- ▍Net margin 45.8%
Revenue ILS 13.47B, +37,9% YoY; Net income +33,0% YoY.
- ▍Revenue ILS 13.47B, +37,9% YoY
- ▍Net income +33,0% YoY
- ▍Free cash flow +78,9% YoY
- ▍Net margin 48.5%
Valuation TTM
Revenue by segment
Business relationships
Supply chain
Peer comparison
Market position
Stress test
Predictor forecast
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | 6,96 |
| Revenue | —no estimate | —no estimate | 24,5B ILS |
| Operating income | —no estimate | —no estimate | —no estimate |
Options
Short squeeze
Earnings-call key lines
Consensus distribution
sell-side coverageEstimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- Net cash is negative after subtracting total debt.
Benchmarks vs cohort
Corporate actions / M&A
FX exposure
Comparable transactions
Derivatives & instruments
Actions
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- Reference data
- Ev To Operating Cash Flowenterprise_value / operating_cash_flow
- Price To Bookmarket_price / (adjusted_book_value / shares_outstanding_diluted)
- Enterprise Valuemarket_cap - net_cash
- Cash Conversion Ratiooperating_cash_flow / net_income
- Market Capmarket_price * shares_outstanding_diluted
- Price To Earningsmarket_price / (net_income / shares_outstanding_diluted)
- Bank Hapoalim BM Market data — financials · 2026-07-06
- Bank Hapoalim BM Market data — analyst estimates · 2026-07-06
- Bank Hapoalim BM Market data — ESG · 2026-07-06
- Bank Hapoalim BM — company reference export (2026-07-05) · 2026-07-06