Mizrahi Tefahot Bank (MZTF.TA) stock price, revenue, and financials

Mizrahi Tefahot Bank annual revenue was ₪7.88 b in FY 2017

₪2.3 B

Mizrahi Tefahot Bank Revenue Q3, 2018
Mizrahi Tefahot Bank Gross profit (Q3, 2018)1.7 B
Mizrahi Tefahot Bank Gross profit margin (Q3, 2018), %71.6%
Mizrahi Tefahot Bank Net income (Q3, 2018)472 M
Mizrahi Tefahot Bank Cash, 30-Sept-201842.4 B

Mizrahi Tefahot Bank Revenue

Mizrahi Tefahot Bank revenue was ₪7.88 b in FY, 2017 which is a 9.8% year over year increase from the previous period.

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Mizrahi Tefahot Bank Revenue Breakdown

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Mizrahi Tefahot Bank revenue breakdown by business segment: 27.4% from Households (Other), 24.3% from Households (Housing Loans), 20.5% from Small and Micro Businesses, 9.9% from Large Businesses, 6.1% from Financial Management Segment and 11.7% from Other

Mizrahi Tefahot Bank revenue breakdown by geographic segment: 96.4% from Israel and 3.6% from Other

Mizrahi Tefahot Bank Income Statement

Annual

ILSFY, 2015FY, 2016FY, 2017

Revenue

6.8b7.2b7.9b

Revenue growth, %

6%10%

Cost of goods sold

1.6b1.7b2.1b

Gross profit

5.2b5.4b5.8b

Gross profit Margin, %

77%76%74%

General and administrative expense

1.9b2.1b2.3b

Operating expense total

3.2b3.3b3.6b

Depreciation and amortization

692.0m693.0m742.0m

Pre tax profit

2.0b2.1b2.2b

Income tax expense

761.0m833.0m806.0m

Net Income

1.2b1.3b1.4b

Mizrahi Tefahot Bank Balance Sheet

Annual

ILSFY, 2015FY, 2016FY, 2017

Cash

30.5b41.7b41.1b

Accounts Receivable

159.5b171.7b181.6b

PP&E

1.6b1.6b1.4b

Goodwill

87.0m87.0m87.0m

Total Assets

209.2b230.5b239.6b

Accounts Payable

163.6b179.8b184.7b

Total Debt

23.7b27.0b29.9b

Total Liabilities

196.7b217.1b225.2b

Additional Paid-in Capital

2.2b2.2b2.2b

Retained Earnings

9.7b10.8b11.8b

Total Equity

12.4b13.3b14.3b

Debt to Equity Ratio

1.9 x2 x2.1 x

Debt to Assets Ratio

0.1 x0.1 x0.1 x

Financial Leverage

16.8 x17.3 x16.7 x

Quarterly

ILSQ1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q1, 2018Q2, 2018Q3, 2018

Cash

38.2b36.8b40.8b41.7b39.1b42.6b43.2b42.4b42.4b

Accounts Receivable

162.4b165.9b169.0b173.4b177.4b179.0b184.1b187.7b190.4b

PP&E

1.5b1.5b1.5b1.6b1.4b1.4b1.4b1.4b1.4b

Goodwill

87.0m87.0m87.0m87.0m87.0m87.0m87.0m87.0m87.0m

Total Assets

216.8b217.8b225.5b234.1b235.1b239.6b242.8b246.6b248.8b

Accounts Payable

166.5b170.9b175.1b182.3b182.2b185.7b188.0b190.8b193.6b

Total Debt

26.9b24.3b27.3b26.9b27.9b29.1b29.9b30.0b29.8b

Total Liabilities

204.1b204.8b212.2b220.4b221.2b225.6b228.3b231.9b233.7b

Additional Paid-in Capital

2.2b2.2b2.2b2.2b2.2b2.2b2.2b2.2b2.2b

Retained Earnings

10.0b10.3b10.6b11.1b11.4b11.5b12.1b12.1b12.6b

Total Equity

12.7b13.0b13.3b13.6b13.9b14.0b14.5b14.7b15.1b

Debt to Equity Ratio

2.1 x1.9 x2 x2 x2 x2.1 x2.1 x2 x2 x

Debt to Assets Ratio

0.1 x0.1 x0.1 x0.1 x0.1 x0.1 x0.1 x0.1 x0.1 x

Financial Leverage

17.1 x16.8 x16.9 x17.2 x16.9 x17.1 x16.7 x16.8 x16.4 x

Mizrahi Tefahot Bank Cash Flow

Annual

ILSFY, 2015FY, 2016FY, 2017

Net Income

1.2b1.3b1.4b

Depreciation and Amortization

223.0m223.0m245.0m

Cash From Operating Activities

1.2b4.3b(5.4b)

Purchases of PP&E

(233.0m)(245.0m)(247.0m)

Cash From Investing Activities

2.2b4.0b2.0b

Long-term Borrowings

(4.0b)(3.1b)(4.1b)

Dividends Paid

(86.0m)(186.0m)(334.0m)

Cash From Financing Activities

3.4b3.0b2.5b

Net Change in Cash

6.7b11.2b(998.0m)

Interest Paid

1.6b1.7b1.7b

Income Taxes Paid

738.0m800.0m780.0m

Quarterly

ILSQ1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q1, 2018Q2, 2018Q3, 2018

Net Income

296.0m649.0m1.0b330.0m740.0m1.0b358.0m581.0m1.1b

Depreciation and Amortization

55.0m109.0m162.0m63.0m122.0m187.0m60.0m121.0m178.0m

Cash From Operating Activities

(208.0m)175.0m1.7b1.2b845.0m1.2b558.0m1.2b2.2b

Purchases of PP&E

(38.0m)(88.0m)(138.0m)(21.0m)(87.0m)(141.0m)(35.0m)(82.0m)(135.0m)

Cash From Investing Activities

3.6b5.0b4.8b(3.4b)(6.4b)(8.5b)(2.1b)(5.9b)(9.1b)

Long-term Borrowings

(16.0m)(2.4b)(2.8b)(57.0m)(1.8b)(4.0b)(2.0m)(2.0m)(413.0m)

Dividends Paid

(36.0m)(79.0m)(130.0m)(137.0m)(256.0m)(110.0m)(247.0m)(247.0m)

Cash From Financing Activities

3.3b807.0m3.6b2.4b3.1b7.8b3.1b5.8b8.2b

Net Change in Cash

6.4b5.9b9.8b137.0m(2.5b)448.0m1.6b1.2b1.4b

Interest Paid

148.0m900.0m1.5b269.0m844.0m1.4b279.0m725.0m1.2b

Income Taxes Paid

142.0m361.0m516.0m151.0m431.0m438.0m278.0m507.0m810.0m

Mizrahi Tefahot Bank Ratios

ILSY, 2018

Debt/Equity

2 x

Debt/Assets

0.1 x

Financial Leverage

16.4 x

Mizrahi Tefahot Bank Operating Metrics

Mizrahi Tefahot Bank's Assets Under Management was reported to be ₪291.2b in Q3, 2018. Mizrahi Tefahot Bank's Total Loans was reported to be ₪190.4b in Q3, 2018. Mizrahi Tefahot Bank's Total Deposits was reported to be ₪193.6b in Q3, 2018.

Mizrahi Tefahot Bank Human Capital

Job Roles

FY, 2017FY, 2016FY, 2015
Male (Management), percent51 %53 %54 %
Female (Management), percent49 %47 %46 %
FY, 2017FY, 2016FY, 2015
Male, percent37 %37 %38 %
Female, percent63 %63 %62 %

Mizrahi Tefahot Bank Employee Rating

3.030 votes
Culture & Values
3.0
Work/Life Balance
3.3
Senior Management
2.6
Salary & Benefits
3.1
Career Opportunities
2.9
Source