Israel Discount Bank (FRA:5I70) Cyclically Adjusted PS Ratio: (As of Sep. 02, 2026)

Author: Vera Yuan Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:5I70 Israel Discount Bank Ltd FRA:5I70
65 GF Score
Price €86.00
GF Value €72.88
! 3 Warning Signs
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What is Israel Discount Bank Cyclically Adjusted PS Ratio?

Note: If the price history is too short, we do not calculate current Cyclically Adjusted PS Ratio for this stock. All the historical data is shown as the company's primary share's data instead.

Shiller PE for Stocks: The True Measure of Stock Valuation


Israel Discount Bank  (FRA:5I70) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.


Israel Discount Bank Cyclically Adjusted PS Ratio Related Terms


Israel Discount Bank Cyclically Adjusted PS Ratio Historical Data

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The historical data trend for Israel Discount Bank's Cyclically Adjusted PS Ratio 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.

Israel Discount Bank Cyclically Adjusted PS Ratio Chart

Israel Discount Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.46 2.02 1.91 2.47 3.21

Israel Discount Bank Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted PS Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3.22 3.11 3.21 2.93 2.70

FRA:5I70 vs USB: Cyclically Adjusted PS Ratio Comparison

For the Banks - Regional subindustry, Israel Discount Bank's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio 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 Cyclically Adjusted PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Israel Discount Bank's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Israel Discount Bank's Cyclically Adjusted PS Ratio falls into.


FRA:5I70
65GF Score
Israel Discount Bank Ltd FRA:5I70
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Israel Discount Bank Cyclically Adjusted PS Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.

Israel Discount Bank's Cyclically Adjusted Revenue per Share for the quarter that ended in Jun. 2026 is calculated as:

For example, Israel Discount Bank's adjusted Revenue per Share data for the three months ended in Jun. 2026 was:

Adj_RevenuePerShare=Revenue per Share/CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=28.153/333.9520*333.9520
=28.153

Current CPI (Jun. 2026) = 333.9520.

Israel Discount Bank Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201609 18.354 241.428 25.388
201612 16.751 241.432 23.170
201703 17.913 243.801 24.537
201706 17.723 244.955 24.162
201709 18.075 246.819 24.456
201712 17.278 246.524 23.406
201803 17.826 249.554 23.855
201806 19.519 251.989 25.868
201809 19.888 252.439 26.310
201812 19.854 251.233 26.391
201903 19.854 254.202 26.083
201906 21.838 256.143 28.472
201909 20.343 256.759 26.459
201912 20.515 256.974 26.660
202003 22.431 258.115 29.021
202006 20.592 257.797 26.675
202009 21.323 260.280 27.358
202012 20.498 260.474 26.280
202103 21.795 264.877 27.479
202106 21.993 271.696 27.032
202109 22.852 274.310 27.821
202112 22.938 278.802 27.475
202203 26.346 287.504 30.602
202206 23.419 296.311 26.394
202209 26.734 296.808 30.080
202212 26.131 296.797 29.402
202303 34.414 301.836 38.076
202306 33.023 305.109 36.145
202309 31.875 307.789 34.584
202312 7.680 306.746 8.361
202403 30.370 312.332 32.472
202406 27.112 314.175 28.819
202409 28.173 315.301 29.840
202412 26.370 315.605 27.903
202503 26.265 319.799 27.427
202506 28.250 322.561 29.248
202509 27.437 324.800 28.210
202512 24.489 324.054 25.237
202603 25.362 330.213 25.649
202606 28.153 333.952 28.153

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

Is Israel Discount Bank (FRA:5I70) Overvalued in 2026?

Based on GuruFocus' analysis, Israel Discount Bank stock appears to be overvalued. The current stock price of €86.00 is trading 18% above its estimated GF Value™ of €72.88.

Key valuation signals for FRA:5I70:

  • Cyclically Adjusted PS Ratio:
  • GF Value™: €72.88 vs. price of €86.00 (18% above fair value)
  • GF Score™: 65/100 with 3 warning signs

No single metric tells the full story. See the FRA:5I70 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Israel Discount Bank Business Description

Address 23 Yehuda Halevi Street, Tel Aviv, ISR, 65136
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.
65GF Score

Get the complete analysis for FRA:5I70

Cyclically Adjusted PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€86.00
Price
€72.88
GF Value