Bank Hapoalim B.M. (POLI.TA) stock analysis

In our weekly check, Bank Hapoalim B.M. is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 18 pass, warnings: 2, red flags: 5.

About Bank Hapoalim B.M.

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

What our checks show for POLI.TA

Red flags

• The net margin fell by 8.3 points over 5 years, to 22%: the company keeps less of each sale as profit.
• The gross margin fell by 35.2 points, to 52.9%: costs are rising faster than prices.
• Analysts expect revenue to shrink about 17% a year.
• Return on capital (ROCE) is only 1.9%.

Warning signs

• The stock has fallen as much as 42% from a peak. Would you have held through that?

Strengths

• Operating cash flow is 1.31x net profit: the profit arrives as real cash.
• Analysts expect the net margin to improve by 21.5 points from today's 22%.
• Revenue grew 22.1% a year over the last 3 years.
• Earnings per share grew 13.6% a year over the last 3 years.
• Net profit grew 13.1% a year over the last 3 years.
• The company keeps 22% of its revenue as net profit.

Next earnings report: 2026-11-16

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Questions

What grade does Bank Hapoalim B.M. (POLI.TA) have?

In our weekly check, Bank Hapoalim B.M. is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 18 pass, warnings: 2, red flags: 5. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of POLI.TA stock?

This week's biggest flags for Bank Hapoalim B.M.: Margins falling, Gross margin falling, Weak revenue forecast. In total 7 of 25 checks show a warning or a red flag.

What does Bank Hapoalim B.M. do?

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

When does Bank Hapoalim B.M. report earnings next?

The next earnings report is expected on 2026-11-16. 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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