Israel Discount BankISDAY +1.28%67 Net Margin % is 29.78% as of Mar. 2026, which is 34% above its 10-year median of 22.15. GuruFocus rates ISDAY with a GF Score™ of 67/100 and a GF Value™ of $106.18 (Modestly Undervalued). The stock has 6 warning signs investors should review. Among 1,527 Banks companies, Israel Discount Bank ranks better than 64.77% on this metric.
The historical rank and industry rank for Israel Discount Bank's Net Margin % or its related term are showing as below:
ISDAY'
s Net Margin % Range Over the Past 10 Years
Min: 9.87 Med: 22.15 Max: 32.36
Current: 31.04
ISDAY's Net Margin % is ranked better than 64.77% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs ISDAY: 31.04
Israel Discount Bank (OTCPK:ISDAY) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Israel Discount Bank Net Margin % Related Terms
Israel Discount Bank Net Margin % Historical Data
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The historical data trend for Israel Discount Bank's Net Margin % 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 Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Israel Discount Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where Israel Discount Bank's Net Margin % 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 Net Margin % of 29.78% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Israel Discount Bank and its competitors. This is 34% above median its historical median of 22.15. Over the past decade, Israel Discount Bank's Net Margin % has ranged from 9.87 to 32.36. According to the industry distribution chart, Israel Discount Bank ranks #538 out of 1527 companies in the Banks industry, placing it in the top 35.2%.
Is Israel Discount Bank's Net Margin % too high?
Israel Discount Bank's current Net Margin % of 29.78% is 34% above median its 10-year median of 22.15. Over the past 10 years, this metric has ranged from a low of 9.87 to a high of 32.36. The Banks industry median Net Margin % is 26.95. Israel Discount Bank's value of 29.78% is 10.5% above this industry median. Based on the distribution chart, Israel Discount Bank ranks #538 out of 1527 companies in the Banks industry, which is above the industry midpoint. Overall, Israel Discount Bank has a GF Score™ of 67/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Israel Discount Bank's Net Margin % compare to PNC?
According to the Banks industry distribution chart, Israel Discount Bank ranks #538 out of 1527 companies for Net Margin %. This puts Israel Discount Bank in the upper half of its industry. The industry median Net Margin % is 26.95. Israel Discount Bank's value of 29.78% is 10.5% above this benchmark. Historically, Israel Discount Bank's own Net Margin % has ranged from 9.87 to 32.36 over the past decade. While the company's 10-year median is 22.15 vs. the industry median of 26.95, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Israel Discount Bank's current Net Margin % of 29.78% is 10.5% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Israel Discount Bank and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Israel Discount Bank's current Net Margin % is 29.78%, which is 34% above median its own 10-year median of 22.15. 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 Undervalued. The stock's GF Value™ is $106.18, compared to a current price of $95.96 — trading 9.6% below its estimated fair value. The current Net Margin % is 29.78%, which is 34% above median its 10-year median of 22.15 and 10.5% above the Banks industry median of 26.95. Israel Discount Bank's overall GF Score™ is 67/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Israel Discount Bank (ISDAY), the current Net Margin % is 29.78% 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 $95.96 is trading 9.6% below its estimated GF Value™ of $106.18.
GuruFocus considers Israel Discount Bank to be Modestly Undervalued.
Key valuation signals for ISDAY:
Net Margin %: 29.78% (34% above median its 10-year median of 22.15)
GF Value™: $106.18 vs. price of $95.96 (9.6% below fair value)
Industry Position: 10.5% above the Banks median (#538 of 1527)
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.
67GF Score
Get the complete analysis for ISDAY
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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