Israel Discount BankISDAY +3.43%69 Debt-to-Equity is 0.80 as of Mar. 2026, which is 36% above its 10-year median of 0.59. GuruFocus rates ISDAY with a GF Score™ of 69/100 and a GF Value™ of $107.29 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,421 Banks companies, Israel Discount Bank ranks worse than 60.66% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Israel Discount Bank's Debt-to-Equity or its related term are showing as below:
ISDAY'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.44 Med: 0.59 Max: 0.8
Current: 0.8
During the past 13 years, the highest Debt-to-Equity Ratio of Israel Discount Bank was 0.80. The lowest was 0.44. And the median was 0.59.
ISDAY's Debt-to-Equity is ranked worse than 60.66% of 1421
companies
in the Banks industry
Industry Median: 0.56
vs ISDAY: 0.80
Israel Discount Bank (OTCPK:ISDAY) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Israel Discount Bank Debt-to-Equity Related Terms
Israel Discount Bank Debt-to-Equity Historical Data
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The historical data trend for Israel Discount Bank's Debt-to-Equity 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.
For the Banks - Regional subindustry, Israel Discount Bank's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Israel Discount Bank's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Israel Discount Bank's Debt-to-Equity 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 Debt-to-Equity of 0.80 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Israel Discount Bank and its competitors. This is 36% above median its historical median of 0.59. Over the past decade, Israel Discount Bank's Debt-to-Equity has ranged from 0.44 to 0.80. According to the industry distribution chart, Israel Discount Bank ranks #862 out of 1421 companies in the Banks industry, placing it in the top 60.7%.
Is Israel Discount Bank's Debt-to-Equity too high?
Israel Discount Bank's current Debt-to-Equity of 0.80 is 36% above median its 10-year median of 0.59. Over the past 10 years, this metric has ranged from a low of 0.44 to a high of 0.80. The Banks industry median Debt-to-Equity is 0.56. Israel Discount Bank's value of 0.80 is 42.9% above this industry median. Based on the distribution chart, Israel Discount Bank ranks #862 out of 1421 companies in the Banks industry, which is below the industry midpoint. Overall, Israel Discount Bank has a GF Score™ of 69/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Israel Discount Bank's Debt-to-Equity compare to PNC and USB?
According to the Banks industry distribution chart, Israel Discount Bank ranks #862 out of 1421 companies for Debt-to-Equity. This places Israel Discount Bank in the lower half of its industry. The industry median Debt-to-Equity is 0.56. Israel Discount Bank's value of 0.80 is 42.9% above this benchmark. Historically, Israel Discount Bank's own Debt-to-Equity has ranged from 0.44 to 0.80 over the past decade. While the company's 10-year median is 0.59 vs. the industry median of 0.56, 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 Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.56, based on 1,421 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Israel Discount Bank's current Debt-to-Equity of 0.80 is 42.9% 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Israel Discount Bank and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Israel Discount Bank's current Debt-to-Equity is 0.80, which is 36% above median its own 10-year median of 0.59. 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 Fairly Valued. The stock's GF Value™ is $107.29, compared to a current price of $102.90 — trading 4.1% below its estimated fair value. The current Debt-to-Equity is 0.80, which is 36% above median its 10-year median of 0.59 and 42.9% above the Banks industry median of 0.56. Israel Discount Bank's overall GF Score™ is 69/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Israel Discount Bank (ISDAY), the current Debt-to-Equity is 0.80 as of Mar. 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 undervalued.
The current stock price of $102.90 is trading 4.1% below its estimated GF Value™ of $107.29.
GuruFocus considers Israel Discount Bank to be Fairly Valued.
Key valuation signals for ISDAY:
Debt-to-Equity: 0.80 (36% above median its 10-year median of 0.59)
GF Value™: $107.29 vs. price of $102.90 (4.1% below fair value)
Industry Position: 42.9% above the Banks median (#862 of 1421)
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.
69GF Score
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