MIZRAHI TEFAHOTMM

MIZRAHI TEFAHOT

19,980ILAD
−140−0.70%
At close at Jun 3, 14:24 GMT
ILA
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MZTF fundamentals

Key facts

Market capitalization‪52.18 B‬ILS
Founded1923
Employees (FY)‪7.21 K‬
CEOMoshe Lari
About

Mizrahi Tefahot Bank Ltd. engages in the provision of banking and mortgage services. It operates through the following segments: Households, Private Banking, Micro and Small Businesses, Medium Businesses, Large Businesses, Institutional Investors, and Financial Management. The Households segment covers individuals other than customers of the private banking segment. The Private Banking segment covers individuals managing financial assets portfolios in amounts exceeding NIS 3 Million. The Micro and Small Businesses segment covers businesses with operations turnover in the amount of up to NIS 50 Million. The Medium Businesses segment covers businesses with operations turnover in the amount exceeding NIS 50 Million and below NIS 250 Million. The Large Businesses segment covers businesses with operations turnover in the amount exceeding NIS 250 Million. The Institutional Investors segment covers businesses that own pension funds, education funds, mutual funds, exchange-traded notes, insurance companies, and stock exchange members. The Financial Management segment includes trading activities, assets and liabilities management, and real investments. The company was founded in 1923 and is headquartered in Ramat Gan, Israel.

Ownership
‪‪259.33 M‬‬
Free Float shares
‪‪151.65 M‬‬ (58.48%)
Closely held shares
‪‪107.68 M‬‬ (41.52%)
Free Float shares
‪‪151.65 M‬‬ (58.48%)
Closely held shares
‪‪107.68 M‬‬ (41.52%)
Capital structure
Market cap
‪‪52.18 B‬‬
Debt
‪‪43.79 B‬‬
Minority interest
‪‪1.48 B‬‬
Cash & equivalents
‪‪87.19 B‬‬
Enterprise value
‪‪10.25 B‬‬

Valuation

Fundamental metrics to determine fair value of the stock

Summary
‪‪52.18 B‬‬
Price to earning ratio (P/E)
9.59x
Price to sales ratio (P/S)
1.84x
Market Cap
Net income
Revenue
Price to earning ratio (P/E)
9.59x
Price to sales ratio (P/S)
1.84x
Valuation ratios
‪0.00‬
‪0.40‬
‪0.80‬
‪1.20‬
‪1.60‬
Q1 '24
Q2 '24
Q3 '24
Q4 '24
Q1 '25
‪0.00‬
‪2.00‬
‪4.00‬
‪6.00‬
‪8.00‬
P/E
P/S

Growth and Profitability

Company’s recent performance and margins

Performance
‪15.0%‬
‪16.5%‬
‪18.0%‬
‪19.5%‬
‪21.0%‬
Q1 '24
Q2 '24
Q3 '24
Q4 '24
Q1 '25
‪0.00‬
‪‪2.00 B‬‬
‪‪4.00 B‬‬
‪‪6.00 B‬‬
‪‪8.00 B‬‬
Total revenue
Net income
Net margin %
Revenue to profit conversion
Total revenue
Int. expense & PCL
Non-int. expense
Op income
Unusual income/ expense
Pretax income
Taxes & Other
Net income
‪0.00‬
‪‪1.60 B‬‬
‪‪3.20 B‬‬
‪‪4.80 B‬‬
‪‪6.40 B‬‬
Total revenue
Int. & Non-int. expenses
Op income
Expenses & adjustments
Net income
‪0.00‬
‪‪1.60 B‬‬
‪‪3.20 B‬‬
‪‪4.80 B‬‬
‪‪6.40 B‬‬

Revenue breakdown

Revenue streams and regions a business earns money from

By source/business
Period: 2024
Households - Others
Business Banking
Small Business
Households - Mortgages
Financial Management
Commercial Banking
Private Banking
By country
Period: 2024
Israel
Other

Estimates

Revenue and Earnings forecasts and estimates accuracy

Revenue
Q2 '24
Q3 '24
Q4 '24
Q1 '25
Q2 '25
‪0.00‬
‪‪1.00 B‬‬
‪‪2.00 B‬‬
‪‪3.00 B‬‬
‪‪4.00 B‬‬
Actual
Estimate
Earnings
Next:Aug 18, 2025
Q2 '24
Q3 '24
Q4 '24
Q1 '25
Q2 '25
‪0.00‬
‪1.50‬
‪3.00‬
‪4.50‬
‪6.00‬
Actual
Estimate

Dividends

Dividend yield, history and sustainability

Dividend summary
39.87%
Earnings retained
Payout ratio (TTM)
Dividend yield TTM
4.20%
Last payment
1.99
Last ex-date
May 28, 2025
Last pay date
Jun 8, 2025
Dividend history
‪1.0%‬
‪1.9%‬
‪2.8%‬
‪3.7%‬
‪4.6%‬
2020
2021
2022
2023
2024
‪0.00‬
‪2.00‬
‪4.00‬
‪6.00‬
‪8.00‬
Dividends per share (FY)
Dividend yield (FY) %

Financial health

Financial position and solvency of the company

Loans and customer deposits
Q1 '24
Q2 '24
Q3 '24
Q4 '24
Q1 '25
‪‪−150.00 B‬‬
‪0.00‬
‪‪150.00 B‬‬
‪‪300.00 B‬‬
‪‪450.00 B‬‬
Net loans
Total deposits
Loan loss allowances
Capital adequacy analysis
Q1 '24
Q2 '24
Q3 '24
Q4 '24
Q1 '25
‪0.00‬
‪4.00‬
‪8.00‬
‪12.00‬
‪16.00‬
Common equity Tier 1 ratio
Tier 1 capital ratio
Total capital ratio