Israel Discount Bank Limited ISDAY OTC

Israel Discount Bank Limited (ISDAY) generated $2.59B in operating cash flow for quarter ending 2025-12-31. After capital expenditures of $180.78M, free cash flow was $2.41B.

Free cash flow margin was 40.6% of revenue. Cash conversion ratio was 6.62x, indicating earnings are backed by cash.

The company returned $744.97M in dividends and $143.32M in share buybacks to shareholders during the quarter.

Criteria supported by this page:

• HEALTH (50/100, Partial) — cash generation is adequate but may not fully cover debt in stressed conditions
• MOAT (62/100, Partial) — cash flow generation is present but not at levels indicating a wide moat
• INCOME (70/100) — Cash conversion ratio was 6.62x confirms earnings are backed by real cash flow

Overall SharesGrow Score: 74/100 with 4/7 criteria passed.