Israel Discount Bank (FRA:5I70) OCF Margin %: 85.20% (As of Jun. 2026) — 128% Above Median

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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
View Full Analysis

What is Israel Discount Bank OCF Margin %?

Israel Discount Bank FRA:5I70 65 OCF Margin % is 85.20% as of Jun. 2026, which is 128% above its 10-year median of 37.37. GuruFocus rates FRA:5I70 with a GF Score™ of 65/100 and a GF Value™ of €72.88. The stock has 3 warning signs investors should review. Among 1,488 Banks companies, Israel Discount Bank ranks worse than 68.88% on this metric.

OCF Margin % is calculated as Cash Flow from Operations divided by its Revenue. Israel Discount Bank's Cash Flow from Operations for the three months ended in Jun. 2026 was €2,953.00 Mil. Israel Discount Bank's Revenue for the three months ended in Jun. 2026 was €3,466.00 Mil. Therefore, Israel Discount Bank's OCF Margin % for the quarter that ended in Jun. 2026 was 85.20%.

As of today, Israel Discount Bank's current OCF Yield % is 4.56%.

The historical rank and industry rank for Israel Discount Bank's OCF Margin % or its related term are showing as below:


During the past 13 years, the highest OCF Margin % of Israel Discount Bank was 71.42%. The lowest was -7.56%. And the median was 37.37%.

FRA:5I70's OCF Margin % is not ranked *
in the Banks industry.
Industry Median: 30.875
* Ranked among companies with meaningful OCF Margin % only.

Israel Discount Bank OCF Margin % Related Terms

Israel Discount Bank OCF Margin % Historical Data

* Premium members only.

The historical data trend for Israel Discount Bank's OCF 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.

Israel Discount Bank OCF Margin % Chart

Israel Discount Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
OCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 42.74 -7.56 15.21 31.99 50.83

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
OCF Margin % 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 91.60 124.05 -14.18 -153.79 85.20
FRA:5I70
65GF Score
Israel Discount Bank Ltd FRA:5I70
OCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Israel Discount Bank OCF Margin % Calculation

OCF Margin % is the ratio of Cash Flow from Operations divided by net sales or Revenue, usually presented in percent.

Israel Discount Bank's OCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

OCF Margin=Cash Flow from Operations (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=6671/13124
=50.83 %

Israel Discount Bank's OCF Margin for the quarter that ended in Jun. 2026 is calculated as

OCF Margin=Cash Flow from Operations (Q: Jun. 2026 )/Revenue (Q: Jun. 2026 )
=2953/3466
=85.20 %

* 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.

Frequently Asked Questions Learn more about OCF Margin % →
What does a OCF Margin % of 85.20% mean?
Israel Discount Bank (FRA:5I70) has a OCF Margin % of 85.20% as of Jun. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Israel Discount Bank and its competitors. This is 128% above median its historical median of 37.37. According to the industry distribution chart, Israel Discount Bank ranks #1025 out of 1488 companies in the Banks industry, placing it in the top 68.9%.
Is Israel Discount Bank's OCF Margin % too high?
Israel Discount Bank's current OCF Margin % of 85.20% is 128% above median its 10-year median of 37.37. The Banks industry median OCF Margin % is 30.88. Israel Discount Bank's value of 85.20% is 176% above this industry median. Based on the distribution chart, Israel Discount Bank ranks #1025 out of 1488 companies in the Banks industry, which is below the industry midpoint. Overall, Israel Discount Bank has a GF Score™ of 65/100, reflecting its overall financial health beyond just this single metric.
How does Israel Discount Bank's OCF Margin % compare to USB?
According to the Banks industry distribution chart, Israel Discount Bank ranks #1025 out of 1488 companies for OCF Margin %. This places Israel Discount Bank in the lower half of its industry. The industry median OCF Margin % is 30.88. Israel Discount Bank's value of 85.20% is 176% above this benchmark. While the company's 10-year median is 37.37 vs. the industry median of 30.88, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 30.88, based on 1,488 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Israel Discount Bank's current OCF Margin % of 85.20% is 176% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Israel Discount Bank and its competitors. For the Banks industry, the median OCF Margin % is 30.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Israel Discount Bank's current OCF Margin % is 85.20%, which is 128% above median its own 10-year median of 37.37. 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?
Israel Discount Bank (FRA:5I70) has a current OCF Margin % of 85.20%. The stock's GF Value™ is €72.88, compared to a current price of €86.00 — trading 18% above its estimated fair value. The current OCF Margin % is 85.20%, which is 128% above median its 10-year median of 37.37 and 176% above the Banks industry median of 30.88. Israel Discount Bank's overall GF Score™ is 65/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Israel Discount Bank (FRA:5I70), the current OCF Margin % is 85.20% 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 (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:

  • OCF Margin %: 85.20% (128% above median its 10-year median of 37.37)
  • GF Value™: €72.88 vs. price of €86.00 (18% above fair value)
  • GF Score™: 65/100 with 3 warning signs
  • Industry Position: 176% above the Banks median (#1025 of 1488)

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

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

€86.00
Price
€72.88
GF Value