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Israel Discount BankISDAY 64 Cash-to-Debt is 1.78 as of Jun. 2026, which is 44% below its 10-year median of 3.20. GuruFocus rates ISDAY with a GF Score™ of 64/100 and a GF Value™ of $96.80 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,498 Banks companies, Israel Discount Bank ranks better than 58.81% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Israel Discount Bank's cash to debt ratio for the quarter that ended in Jun. 2026 was 1.78.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Israel Discount Bankcould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Israel Discount Bank's Cash-to-Debt or its related term are showing as below:
ISDAY'
s Cash-to-Debt Range Over the Past 10 Years
Min: 1.97 Med: 3.2 Max: 5.3
Current: 1.97
During the past 13 years, Israel Discount Bank's highest Cash to Debt Ratio was 5.30. The lowest was 1.97. And the median was 3.20.
ISDAY's Cash-to-Debt is ranked better than 58.81% of 1498
companies
in the Banks industry
Industry Median: 1.375
vs ISDAY: 1.97
Israel Discount Bank (OTCPK:ISDAY) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Israel Discount Bank Cash-to-Debt Related Terms
Israel Discount Bank Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Israel Discount Bank's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, Israel Discount Bank's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Israel Discount Bank Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Israel Discount Bank's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Israel Discount Bank's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Israel Discount Bank (ISDAY) has a Cash-to-Debt of 1.78 as of Jun. 2026. This is 44% below median its historical median of 3.20. Over the past decade, Israel Discount Bank's Cash-to-Debt has ranged from 1.97 to 5.30. According to the industry distribution chart, Israel Discount Bank ranks #617 out of 1498 companies in the Banks industry, placing it in the top 41.2%.
Is Israel Discount Bank's Cash-to-Debt too high?
Israel Discount Bank's current Cash-to-Debt of 1.78 is 44% below median its 10-year median of 3.20. Over the past 10 years, this metric has ranged from a low of 1.97 to a high of 5.30. The Banks industry median Cash-to-Debt is 1.38. Israel Discount Bank's value of 1.78 is 29.5% above this industry median. Based on the distribution chart, Israel Discount Bank ranks #617 out of 1498 companies in the Banks industry, which is above the industry midpoint. Overall, Israel Discount Bank has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Israel Discount Bank's Cash-to-Debt compare to PNC and USB?
According to the Banks industry distribution chart, Israel Discount Bank ranks #617 out of 1498 companies for Cash-to-Debt. This puts Israel Discount Bank in the upper half of its industry. The industry median Cash-to-Debt is 1.38. Israel Discount Bank's value of 1.78 is 29.5% above this benchmark. Historically, Israel Discount Bank's own Cash-to-Debt has ranged from 1.97 to 5.30 over the past decade. While the company's 10-year median is 3.20 vs. the industry median of 1.38, Israel Discount Bank has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.38, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Israel Discount Bank's current Cash-to-Debt of 1.78 is 29.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Israel Discount Bank's current Cash-to-Debt is 1.78, which is 44% below median its own 10-year median of 3.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Israel Discount Bank stock overvalued right now?
Based on GuruFocus' analysis, Israel Discount Bank (ISDAY) is currently considered Modestly Overvalued. The stock's GF Value™ is $96.80, compared to a current price of $108.45 — trading 12% above its estimated fair value. The current Cash-to-Debt is 1.78, which is 44% below median its 10-year median of 3.20 and 29.5% above the Banks industry median of 1.38. Israel Discount Bank's overall GF Score™ is 64/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Israel Discount Bank (ISDAY), the current Cash-to-Debt is 1.78 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Israel Discount Bank (ISDAY) Overvalued in 2026?
Based on GuruFocus' analysis, Israel Discount Bank stock appears to be overvalued.
The current stock price of $108.45 is trading 12% above its estimated GF Value™ of $96.80.
GuruFocus considers Israel Discount Bank to be Modestly Overvalued.
Key valuation signals for ISDAY:
Cash-to-Debt: 1.78 (44% below median its 10-year median of 3.20)
GF Value™: $96.80 vs. price of $108.45 (12% above fair value)
Industry Position: 29.5% above the Banks median (#617 of 1498)
No single metric tells the full story. See the ISDAY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Israel Discount Bank Ltd and its subsidiaries engage in banking and financial services. The bank is headquartered in Israel and earns the majority of its revenue domestically. The bank operates through several segments organized by customer type, including Households, Private Banking, Small and minute businesses, Medium businesses, Large businesses, Institutional bodies, Financial management, and Other Segment.
64GF Score
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Cash-to-Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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