Bank Hapoalim B.M.

POLI.TA

Banks - Regional · Financial Services

Price

7612.00 ILA

+52.00 (+0.69%)

Market Cap

99.56B ILA

Exchange

Tel Aviv Stock Exchange

Winston Score

Winston is curious

Mixed quality — meaningful strengths and weaknesses.

Data as of Aug 9, 2026 · filings through Mar 31, 2026

Share count falling — buybacks

−1.2% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 1.34B (2021) → 1.32B (2025)

Bank Hapoalim is Israel's largest bank, serving millions of individual customers, businesses, and large corporations. It offers everyday banking services like checking accounts, savings, mortgages, credit cards, and loans, as well as investment and wealth management products. It is a dominant player in the Israeli financial system and has operated for over 100 years.

The bank earns money primarily through the difference between the interest it charges on loans and the interest it pays on deposits, known as net interest income. It also collects fees for banking services, credit cards, and asset management. Bank Hapoalim operates mainly in Israel, with some international presence, and its size and deep customer relationships give it a strong competitive position in a market with limited foreign competition. The main risk the bank faces is its heavy concentration in Israel, meaning its performance is closely tied to the Israeli economy, geopolitical stability, and local interest rate conditions.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-1.8% YoY

YoY Growth Rate

Revenue declining

EPS Growth

-11.5% YoY

YoY Growth Rate

Earnings declining

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

0.0%ownership

Relatively low insider ownership

Cash Position

Cash flow positive

$785.4B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

Bank Hapoalim B.M.'s revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

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Bank Quality

Not applicable for this business.

Growth

Sales YoY

+17.2%

Fast-growing sales (+17.2% YoY)

EPS YoY

+17.9%

Earnings growing fast (+17.9% YoY)

Healthy double-digit earnings growth — what compounders look like.

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

P/E Ratio (TTM)

10.5x

Attractive valuation — P/E 10.5

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

N/A

not available

Data not available

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Dividends

Dividend Yield

4.32%

Healthy income — 4.32% yield

Generous yield. Worth checking whether the payout is sustainable.

Dividend Growth

+89.3%

Dividend growing fast (89.3% YoY)

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