ISDAF (Israel Discount Bank) E10: $0.52 (As of Mar. 2026)

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ISDAF Israel Discount Bank Ltd ISDAF
61 GF Score
Price $10.53
GF Value $5.35
Valuation Significantly Overvalued
! 4 Warning Signs
View Full Analysis

What is Israel Discount Bank E10?

Israel Discount Bank ISDAF 61 E10 is $0.52 as of Mar. 2026. GuruFocus rates ISDAF with a GF Score™ of 61/100 and a GF Value™ of $5.35 (Significantly Overvalued). The stock has 4 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Israel Discount Bank's adjusted earnings per share data for the three months ended in Mar. 2026 was $0.254. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $0.52 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Israel Discount Bank's average E10 Growth Rate was 15.00% per year. During the past 3 years, the average E10 Growth Rate was 17.80% per year. During the past 5 years, the average E10 Growth Rate was 19.80% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Israel Discount Bank was 21.30% per year. The lowest was 17.80% per year. And the median was 20.40% per year.

As of today (2026-08-11), Israel Discount Bank's current stock price is $10.525. Israel Discount Bank's E10 for the quarter that ended in Mar. 2026 was $0.52. Israel Discount Bank's Shiller PE Ratio of today is 20.24.

During the past 13 years, the highest Shiller PE Ratio of Israel Discount Bank was 19.71. The lowest was 9.61. And the median was 12.93.


Israel Discount Bank  (OTCPK:ISDAF) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Israel Discount Bank's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=10.525/0.52
=20.24

* 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.

During the past 13 years, the highest Shiller P/E Ratio of Israel Discount Bank was 19.71. The lowest was 9.61. And the median was 12.93.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Israel Discount Bank E10 Related Terms


Israel Discount Bank E10 Historical Data

* Premium members only.

The historical data trend for Israel Discount Bank's E10 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 E10 Chart

Israel Discount Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.26 0.43 0.48 0.42 0.47

Israel Discount Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 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 0.61 0.44 0.47 0.47 0.52

ISDAF vs PNC, USB: E10 Comparison

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

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

* The bar in red indicates where Israel Discount Bank's Shiller PE Ratio falls into.


ISDAF
61GF Score
Israel Discount Bank Ltd ISDAF
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Israel Discount Bank E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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.

For example, Israel Discount Bank's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.254/330.2130*330.2130
=0.254

Current CPI (Mar. 2026) = 330.2130.

Israel Discount Bank Quarterly Data

per share eps CPI Adj_EPS
201606 0.123 241.018 0.169
201609 0.060 241.428 0.082
201612 0.040 241.432 0.055
201703 0.087 243.801 0.118
201706 0.077 244.955 0.104
201709 0.090 246.819 0.120
201712 0.107 246.524 0.143
201803 0.090 249.554 0.119
201806 0.120 251.989 0.157
201809 0.127 252.439 0.166
201812 0.093 251.233 0.122
201903 0.117 254.202 0.152
201906 0.157 256.143 0.202
201909 0.123 256.759 0.158
201912 0.093 256.974 0.120
202003 0.080 258.115 0.102
202006 0.050 257.797 0.064
202009 0.073 260.280 0.093
202012 0.077 260.474 0.098
202103 0.190 264.877 0.237
202106 0.247 271.696 0.300
202109 0.207 274.310 0.249
202112 0.150 278.802 0.178
202203 0.280 287.504 0.322
202206 0.183 296.311 0.204
202209 0.240 296.808 0.267
202212 0.253 296.797 0.281
202303 0.344 301.836 0.376
202306 0.320 305.109 0.346
202309 0.220 307.789 0.236
202312 0.247 306.746 0.266
202403 0.284 312.332 0.300
202406 0.280 314.175 0.294
202409 0.307 315.301 0.322
202412 0.284 315.605 0.297
202503 0.280 319.799 0.289
202506 0.300 322.561 0.307
202509 0.307 324.800 0.312
202512 0.230 324.054 0.234
202603 0.254 330.213 0.254

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $0.52 mean?
Israel Discount Bank (ISDAF) has a E10 of $0.52 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Israel Discount Bank and its competitors.
Is Israel Discount Bank's E10 too high?
Israel Discount Bank's current E10 is $0.52. Overall, Israel Discount Bank has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Israel Discount Bank's E10 compare to PNC and USB?
Israel Discount Bank's E10 of $0.52 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Israel Discount Bank and its competitors. Israel Discount Bank's current E10 is $0.52. 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 (ISDAF) is currently considered Significantly Overvalued. The stock's GF Value™ is $5.35, compared to a current price of $10.53 — trading 96.7% above its estimated fair value. The current E10 is $0.52. Israel Discount Bank's overall GF Score™ is 61/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Israel Discount Bank (ISDAF), the current E10 is $0.52 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 (ISDAF) Overvalued in 2026?

Based on GuruFocus' analysis, Israel Discount Bank stock appears to be overvalued. The current stock price of $10.53 is trading 96.7% above its estimated GF Value™ of $5.35. GuruFocus considers Israel Discount Bank to be Significantly Overvalued.

Key valuation signals for ISDAF:

  • E10: $0.52
  • GF Value™: $5.35 vs. price of $10.53 (96.7% above fair value)
  • GF Score™: 61/100 with 4 warning signs

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


Israel Discount Bank Business Description

Other Exchanges ISDAY:USADSCT:Israel
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.
61GF Score

Get the complete analysis for ISDAF

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$10.53
Price
$5.35
GF Value