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Market Price

44.00 

1.44 3.4%

as of Feb 02 '23

52 Week Range:

38.00 55.85


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Bank Hapoalim B.M., together with its subsidiaries, provides various banking and financial products and services in Israel and internationally. It operates through Corporate Banking, Retail Banking, and Financial Markets and International Banking divisions. The company offers account-management services, credit for various purposes, deposits, and savings plans, and capital-market service; securities, and currencies and derivatives trading services; securities custody services; research, consulting, and advisory services; pension advisory and retirement planning services; and housing loans. It also provides credit for routine operations and investment financing, guarantees, letters of credit, foreign trade, and transactions in financial and derivative instruments, as well as investment services in various channels, such as foreign currency, shekels, securities, etc. In addition, the company offers financing for infrastructure projects, foreign trade and international trade financing, and project financing services; foreign trade transactions and transactions in financial derivatives; financing of working capital; syndication; credit-risk sales; financing of construction projects; dealing-room services; federal deposit insurance; and credit cards services. Further, it provides clearing of payment, asset management, investment portfolio management, investment banking, underwriting, and issuance management services. The company serves households, private-banking customers, foreign residents, small businesses, financial-asset managers, middle-market business clients, and large corporations through 175 branches, 601 external and 131 internal automatic teller machines, 126 external and 216 internal check-deposit machines, 30 information stations, 316 self-service stations, and 119 night safes. Bank Hapoalim B.M. was founded in 1921 and is based in Tel Aviv, Israel.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Equity (BVPS) 22.87
27.13
30.87
30.41
31.55
33.26
38.41
37.44
42.41
45.36
51.47
growth rate 18.6% 13.8% -1.5% 3.8% 5.4% 15.5% -2.5% 13.3% 7.0% 13.5%
Avg.PE 9.93
9.58
14.17
12.25
12.25
12.25
12.25
growth rate -3.5% 47.9% -13.6% 0.0% 0.0% 0.0%
ROA 0.81
0.69
0.68
0.70
0.73
0.60
0.59
0.57
0.39
0.41
0.83
growth rate -14.8% -1.5% 2.9% 4.3% -17.8% -1.7% -3.4% -31.6% 5.1% 102.4%
ROE 11.70
10.05
9.24
9.07
9.57
7.84
7.61
7.07
4.75
5.27
11.90
growth rate -14.1% -8.1% -1.8% 5.5% -18.1% -2.9% -7.1% -32.8% 11.0% 125.8%
Leverage 14.96
14.06
13.08
13.00
13.07
13.16
12.67
12.27
12.14
13.53
14.95
growth rate -6.0% -7.0% -0.6% 0.5% 0.7% -3.7% -3.2% -1.1% 11.5% 10.5%
Balance Sheet Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Acct.Receivable 877.00
937.00
1,324.00
609.00
711.00
492.00
637.00
764.00
481.00
281.00
growth rate 6.8% 41.3% -54.0% 16.8% -30.8% 29.5% 19.9% -37.0% -41.6%
Acct.Payable 277,543.00
281,547.00
301,635.00
326,379.00
342,793.00
350,896.00
356,442.00
365,497.00
442,194.00
537,081.00
growth rate 1.4% 7.1% 8.2% 5.0% 2.4% 1.6% 2.5% 21.0% 21.5%
Cur.Assets 70,617.00
61,639.00
79,397.00
86,926.00
103,369.00
119,148.00
118,470.00
108,532.00
161,226.00
213,358.00
growth rate -12.7% 28.8% 9.5% 18.9% 15.3% -0.6% -8.4% 48.6% 32.3%
Total Assets 376,388.00
380,020.00
408,033.00
431,638.00
448,105.00
454,424.00
460,926.00
463,688.00
539,602.00
638,781.00
growth rate 1.0% 7.4% 5.8% 3.8% 1.4% 1.4% 0.6% 16.4% 18.4%
Cash 5,346.00
21,487.00
51,823.00
63,108.00
78,328.00
82,856.00
82,217.00
85,886.00
137,900.00
188,594.00
growth rate 301.9% 141.2% 21.8% 24.1% 5.8% -0.8% 4.5% 60.6% 36.8%
Inventory 40.00
63.00
72.00
66.00
66.00
66.00
66.00
30.00
30.00
30.00
growth rate 57.5% 14.3% -8.3% 0.0% 0.0% 0.0% -54.6% 0.0% 0.0%
Cur.Liabilities 294,758.00
296,261.00
334,305.00
356,909.00
372,183.00
381,099.00
384,803.00
389,700.00
468,597.00
561,729.00
growth rate 0.5% 12.8% 6.8% 4.3% 2.4% 1.0% 1.3% 20.3% 19.9%
Liabilities 349,331.00
350,936.00
376,817.00
398,419.00
413,880.00
418,420.00
423,270.00
425,467.00
499,703.00
596,034.00
growth rate 0.5% 7.4% 5.7% 3.9% 1.1% 1.2% 0.5% 17.5% 19.3%
LT Debt 35,677.00
33,980.00
33,671.00
34,475.00
33,560.00
29,058.00
30,024.00
26,853.00
23,490.00
25,582.00
growth rate -4.8% -0.9% 2.4% -2.7% -13.4% 3.3% -10.6% -12.5% 8.9%
Equity 28,834.00
30,966.00
33,032.00
34,047.00
35,863.00
37,544.00
38,181.00
39,873.00
42,735.00
growth rate 7.4% 6.7% 3.1% 5.3% 4.7% 1.7% 4.4% 7.2%
Common Shares 254.00
254.00
266.00
266.00
267.00
267.00
267.00
1,334.00
1,335.00
1,335.00
1,336.00
growth rate 0.0% 4.7% 0.0% 0.4% 0.0% 0.0% 399.6% 0.1% 0.0% 0.1%
Cash Flow Statement Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Capital Expenditures 664.00
700.00
702.00
631.00
619.00
662.00
683.00
694.00
682.00
886.00
growth rate 5.4% 0.3% -10.1% -1.9% 7.0% 3.2% 1.6% -1.7% 29.9%
Cash Dividends 276.00
448.00
569.00
685.00
861.00
496.00
1,000.00
1,479.00
1,479.00
growth rate 62.3% 27.0% 20.4% 25.7% -42.4% 101.6% 47.9% 0.0%
Cash From OA 54.00
-515.00
-17,461.00
-12,846.00
424.00
10,282.00
-776.00
7,520.00
2,800.00
5,178.00
growth rate -100.0% 0.0% 0.0% 100.0% 2,325.0% -100.0% 100.0% -62.8% 84.9%
FCF per Share 4.02
13.55
6.84
4.87
2.02
11.45
25.67
14.31
2.46
-3.69
8.40
growth rate 237.1% -49.5% -28.8% -58.5% 466.8% 124.2% -44.3% -82.8% -100.0% 100.0%
Sale Purchase of Stock 4.00
5.00
4.00
5.00
growth rate 25.0% -20.0% 25.0%
FCF 3,097.00
12,845.00
3,666.00
1,284.00
11,470.00
18,507.00
19,086.00
-1,458.00
6,786.00
2,118.00
4,292.00
growth rate 314.8% -71.5% -65.0% 793.3% 61.4% 3.1% -100.0% 100.0% -68.8% 102.6%
Income Statement Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Sales 12,650.00
12,790.00
13,597.00
13,887.00
12,696.00
12,375.00
13,161.00
11,932.00
11,233.00
15,612.00
growth rate 1.1% 6.3% 2.1% -8.6% -2.5% 6.4% -9.3% -5.9% 39.0%
Op.Income 2,540.00
4,245.00
4,781.00
5,104.00
4,554.00
4,254.00
4,201.00
3,156.00
3,732.00
7,809.00
growth rate 67.1% 12.6% 6.8% -10.8% -6.6% -1.3% -24.9% 18.3% 109.2%
IBT 3,758.00
4,423.00
5,116.00
4,566.00
4,271.00
4,205.00
3,167.00
3,742.00
7,858.00
growth rate 17.7% 15.7% -10.8% -6.5% -1.6% -24.7% 18.2% 110.0%
Net Income 2,540.00
2,537.00
2,713.00
3,082.00
2,628.00
2,660.00
2,595.00
1,799.00
2,056.00
4,914.00
growth rate -0.1% 6.9% 13.6% -14.7% 1.2% -2.4% -30.7% 14.3% 139.0%
EPS 10.76
9.86
9.50
10.20
11.55
9.85
9.95
9.70
6.75
7.70
18.40
growth rate -8.4% -3.7% 7.4% 13.2% -14.7% 1.0% -2.5% -30.4% 14.1% 139.0%
Gross Profit 12,650.00
12,790.00
13,597.00
13,887.00
12,696.00
12,375.00
13,161.00
11,932.00
11,233.00
15,612.00
growth rate 1.1% 6.3% 2.1% -8.6% -2.5% 6.4% -9.3% -5.9% 39.0%

Quarterly Statements

Item Name Jun '21 Sep '21 Dec '21 Mar '22 Jun '22
Balance Sheet
Acct.Receivable 281.00
growth rate
Acct.Payable 493,733.00
516,474.00
537,081.00
531,751.00
539,669.00
growth rate 4.6% 4.0% -1.0% 1.5%
Cur.Assets 183,740.00
192,233.00
213,358.00
198,715.00
192,501.00
growth rate 4.6% 11.0% -6.9% -3.1%
Total Assets 586,344.00
604,324.00
638,781.00
637,625.00
651,598.00
growth rate 3.1% 5.7% -0.2% 2.2%
Cash 169,681.00
174,980.00
188,594.00
177,602.00
161,875.00
growth rate 3.1% 7.8% -5.8% -8.9%
Inventory 30.00
growth rate
Cur.Liabilities 504,975.00
528,247.00
561,729.00
552,568.00
565,398.00
growth rate 4.6% 6.3% -1.6% 2.3%
Liabilities 544,009.00
561,589.00
596,034.00
594,394.00
607,380.00
growth rate 3.2% 6.1% -0.3% 2.2%
LT Debt 20,944.00
18,761.00
25,582.00
27,411.00
27,334.00
growth rate -10.4% 36.4% 7.2% -0.3%
Equity 42,314.00
42,717.00
42,735.00
43,230.00
44,217.00
growth rate 1.0% 0.0% 1.2% 2.3%
Common Shares 1,336.45
1,336.45
1,336.00
1,336.49
1,336.84
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Jun '21 Sep '21 Dec '21 Mar '22 Jun '22
Capital Expenditures 151.00
327.00
308.00
105.00
157.00
growth rate 116.6% -5.8% -65.9% 49.5%
Cash Dividends 617.00
617.00
862.00
growth rate 0.0% 39.7%
Cash From OA 3,259.00
-4,629.00
4,089.00
3,059.00
-5,548.00
growth rate -100.0% 100.0% -25.2% -100.0%
Sale Purchase of Stock
growth rate
FCF 3,108.00
-4,956.00
3,781.00
2,954.00
-5,705.00
growth rate -100.0% 100.0% -21.9% -100.0%
Income Statement Jun '21 Sep '21 Dec '21 Mar '22 Jun '22
Sales 4,180.00
3,896.00
3,447.00
4,448.00
3,997.00
growth rate -6.8% -11.5% 29.0% -10.1%
Op.Income 2,200.00
1,897.00
1,542.00
2,490.00
2,001.00
growth rate -13.8% -18.7% 61.5% -19.6%
IBT 2,220.00
1,909.00
1,552.00
2,517.00
2,047.00
growth rate -14.0% -18.7% 62.2% -18.7%
Net Income 1,419.00
1,207.00
934.00
1,654.00
1,343.00
growth rate -14.9% -22.6% 77.1% -18.8%
Gross Profit 4,180.00
3,896.00
3,447.00
4,448.00
3,997.00
growth rate -6.8% -11.5% 29.0% -10.1%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (40.23)

YOY Growth Grade:

E (17.02)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 14.55 13.79
EPS / Growth 0.0% 3.19

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 5.1%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 0.0% 2.5% 2.5%
Future PE 0.00 2.55 2.55
Future EPS 3.19 4.10 4.10
Value Price
MOS %
0.00
-100.0%
2.58
-94.1%
2.58
-94.1%
MOS Price 0.00 1.29 1.29
IRT 13.79 11.72 11.72

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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