Bank Leumi Le-Israel B.M. (LUMI.TA) stock analysis

In our weekly check, Bank Leumi Le-Israel B.M. is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 16 pass, warnings: 3, red flags: 6.

About Bank Leumi Le-Israel B.M.

Bank Leumi Le-Israel B.M. is a Financial Services company (Banks - Regional) based in Israel, listed on TLV as LUMI.TA.

What our checks show for LUMI.TA

Red flags

• The net margin fell by 13.3 points over 5 years, to 22.6%: the company keeps less of each sale as profit.
• The gross margin fell by 44 points, to 48.2%: costs are rising faster than prices.
• Analysts expect revenue to shrink about 19.1% a year.
• Recovering from its deepest fall took about 5.8 years.
• Return on capital (ROCE) is only 1.9%.

Warning signs

• Operating cash flow is only 0.54x net profit: part of the reported profit does not arrive as cash.
• Free cash flow covers the dividend only 1 times.
• The stock has fallen as much as 54% from a peak. Would you have held through that?

Strengths

• Analysts expect earnings per share to grow about 10% a year over the next years.
• Analysts expect the net margin to improve by 26.5 points from today's 22.6%.
• Revenue grew 26.6% a year over the last 3 years.
• Earnings per share grew 10.9% a year over the last 3 years.
• Net profit grew 10.6% a year over the last 3 years.
• The company keeps 22.6% of its revenue as net profit.

Next earnings report: 2026-12-02

Similar companies

UCG.MI · HDB · IBN · MFG · POLI.TA · 1155.KL

Questions

What grade does Bank Leumi Le-Israel B.M. (LUMI.TA) have?

In our weekly check, Bank Leumi Le-Israel B.M. is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 16 pass, warnings: 3, red flags: 6. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of LUMI.TA stock?

This week's biggest flags for Bank Leumi Le-Israel B.M.: Margins falling, Gross margin falling, Weak revenue forecast. In total 9 of 25 checks show a warning or a red flag.

What does Bank Leumi Le-Israel B.M. do?

Bank Leumi Le-Israel B.M. is a Financial Services company (Banks - Regional) based in Israel, listed on TLV as LUMI.TA.

When does Bank Leumi Le-Israel B.M. report earnings next?

The next earnings report is expected on 2026-12-02. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-24

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