IDI Insurance Company Ltd (IDIN) fair value: what the stock is really worth
As of Nov 5, 2026: fair value (intrinsic value) of IDI Insurance Company Ltd stock ILS 200, price ILS 233, that is 14.4% below the price, quality 69 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 5, 2026.
How to read this chart
60‑month range 53.54 ILS – 274.00 ILS · fair‑value band 121.67 ILS – 249.64 ILS · the 233.20 ILS price screens above the 199.71 ILS fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 5, 2026.
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I.D.I. Insurance Company Ltd. provides insurance products and services to individuals and corporate customers in Israel. It operates through General Insurance, Health Insurance, and Life Insurance and Long-Term Savings segments.
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The company offers death, disability, accidental, and other insurance, as well as savings. It also provides insurance for medical expenses, personal accidents, serious illnesses, and travel. In addition, it offers vehicle liability and property insurance, as well as home and mortgage insurance.
The company was incorporated in 2006 and is headquartered in Petah Tikva, Israel.
Stock analysis
IDI Insurance Company Ltd (IDIN) currently trades at 233.20 ILS, while our model-based Fair Value estimate is 199.71 ILS, 14% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 199.71 ILS per share, and 1 of the 6 models we run sit above the 233.20 ILS price.
Bear case: the Asset-Based group reads lowest at 40.98 ILS, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: 121.67 ILS (bear) to 249.64 ILS (bull), the price of 233.20 ILS sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 69/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
IDI Insurance Company Ltd reported revenue of 4.0B ILS in FY2025 versus 2.2B ILS in FY2021, a compound +16.9%/yr. Reported net income was 357M ILS in FY2025, compounding +15.4%/yr from FY2021.
Key figures
Market cap 3.4B ILS Small · P/E ratio 9.3 · P/S ratio 0.94 · EPS (TTM) 24.99 ILS · Dividend yield 11.5% · Net margin 10.1% · Return on equity 30.0% · Return on assets (EBIT) 4.7% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 66 out of 100 (low confidence).
What moves the price
The share trades about 15% below its 52-week high and 24% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −31% fair-value upside, at −14%, IDIN screens cheaper than that median.
Fair Value models
Bear121.67 ILSFair Value 199.71 ILSBull249.64 ILS
Price 233.20 ILS · Downside -14.4%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+15.0%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+22.5%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+13.7%
Start year 2020 (pandemic). Over 10 years: +8.9% a year
Revenue growth 18 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.4%
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What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+22.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year+11.3%
Dividend (yield on the price)11.5%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.11.6% vs 8.1%, picking up
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.15% → 14%
2025 sits 154% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Compare IDI Insurance Company Ltd with another stock
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Insurance - Diversified · 73 stocks
Beats the industry median on 11/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score69 · Top 25%
Fair Value upside−14.4% · Above median
Profitability
Return on equity (12 months)30.0% · Top 25%
Return on assets5.3% · Top 25%
Net margin (12 months)10.1% · Above median
Operating margin (12 months)18.9% · Above median
Growth and dividend
Revenue growth (quarter YoY)−7.2% · Bottom 25%
Dividend yield (12 months)11.5% · Top 25%
Balance sheet
Debt / equity0.55× · Highest 25%
Valuation Multiplesvs Insurance - Diversified median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "IDI Insurance Company Ltd Fair Value". https://www.fairvalue-calculator.com/stock/IDIN
Frequently asked questions
Is IDI Insurance Company Ltd (IDIN) overvalued or undervalued?
As of Nov 5, 2026, our model estimates a fair value of 199.71 ILS versus a price of 233.20 ILS, about 14% lower (overvalued).
What is the fair value of IDIN?
Our model-based fair value for IDI Insurance Company Ltd is 199.71 ILS (as of Nov 5, 2026), built from audited fundamentals. The current price: 233.20 ILS.
What is the quality score of IDIN?
IDI Insurance Company Ltd has a Quality Score of 69/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for IDI Insurance Company Ltd (IDIN)?
Our model-based price target is the fair value of 199.71 ILS (as of Nov 5, 2026) from 6 valuation models. Cautious scenario 121.67 ILS, optimistic scenario 249.64 ILS. It is a calculation from audited fundamentals, not an analyst target.
What is the IDI Insurance Company Ltd stock forecast for 2026?
Our models put fair value at 199.71 ILS, about 14% lower versus a price of 233.20 ILS (overvalued). Cautious scenario 121.67 ILS, optimistic scenario 249.64 ILS. The calculation is refreshed regularly with new filings.
What is the revenue of IDI Insurance Company Ltd (IDIN)?
IDI Insurance Company Ltd reported trailing-twelve-month revenue of about 3.6B ILS (latest available figure, as of Nov 5, 2026).
Does IDI Insurance Company Ltd pay a dividend?
IDI Insurance Company Ltd currently shows a dividend yield of 11.46% relative to its recent price (as of Nov 5, 2026).
How much is the dividend of IDI Insurance Company Ltd (IDIN) and when is the ex-dividend date?
IDI Insurance Company Ltd pays a dividend of 26.72 ILS per share a year, a dividend yield of 11.5%. The last ex-dividend date was Aug 27, 2026. A dividend has been paid every year since at least 2014. The payout ratio is 107% of earnings. Our assessment: Payout strained. The dividend exceeds reported earnings (though reported profit is often depressed by one-off charges), and free cash flow only just covers it (or coverage is unknown). Not an emergency, but little room for error.
What is the intrinsic value of IDI Insurance Company Ltd (IDIN)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For IDI Insurance Company Ltd it is 199.71 ILS per share (as of Nov 5, 2026), against a price of 233.20 ILS. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is IDI Insurance Company Ltd stock overvalued or undervalued in 2026?
As of Nov 5, 2026, IDIN trades above its calculated fair value: price 233.20 ILS, fair value 199.71 ILS, a gap of about −14% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of IDIN?
No. The price is what the market pays today (233.20 ILS); the fair value is what the company's own numbers justify (199.71 ILS). For IDI Insurance Company Ltd the two are 33.49 ILS per share apart. That gap is exactly why we show both numbers side by side.
How much is IDI Insurance Company Ltd worth?
The market values IDI Insurance Company Ltd at about 3.4B ILS (market capitalisation, as of Nov 5, 2026). Per share that is 233.20 ILS; our models calculate a fair value of 199.71 ILS per share.
What do the bullish and bearish scenarios say about IDIN?
Our models span a range for IDI Insurance Company Ltd: cautious scenario 121.67 ILS, base 199.71 ILS, optimistic 249.64 ILS per share (as of Nov 5, 2026, price 233.20 ILS). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of IDIN?
IDI Insurance Company Ltd trades at a price-to-earnings ratio of 9.3 (as of Nov 5, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 199.71 ILS is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 10.2. Other multiples: P/B 2.7, P/S 0.9, EV/EBITDA 6.1.
How solid is the balance sheet of IDI Insurance Company Ltd (IDIN)?
Balance-sheet figures for IDI Insurance Company Ltd (as of Nov 5, 2026): return on equity 30.0%, debt of 0.55 per unit of equity. They feed the Quality Score of 69/100, which measures business quality independently of the share price.
How far is IDIN from its 52-week high?
IDI Insurance Company Ltd trades at 233.20 ILS, about 15% below its 52-week high of 274.00 ILS and 24% above the low of 187.39 ILS (as of Nov 5, 2026). Distance from the high says nothing about value: that is what the fair value of 199.71 ILS is for.
Which stocks are comparable to IDI Insurance Company Ltd?
From the same area (Financial Services) we also value Allianz SE, Zurich Insurance Group, AXA SA, Assicurazioni Generali S.p.A, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is IDI Insurance Company Ltd stock attractive at the current price?
The data as of Nov 5, 2026: price 233.20 ILS, calculated fair value 199.71 ILS (−14%), Quality Score 69/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of IDIN calculated?
We run IDI Insurance Company Ltd through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 199.71 ILS builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. IDI Insurance Company Ltd itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of IDI Insurance Company Ltd (IDIN)?
The closing price on Nov 5, 2026 was 233.20 ILS. Our model-based fair value is 199.71 ILS, about 14% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with IDI Insurance Company Ltd right now?
Solid but not exceptional quality (69/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range (121.67 ILS to 249.64 ILS) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of IDI Insurance Company Ltd (IDIN) come from?
Earnings per share at IDI Insurance Company Ltd grew +6.3 % a year from 2014 to 2025. Broken into its drivers: revenue per share +7.4 %, EBIT margin −1.4 %, tax rate +0.4 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of IDI Insurance Company Ltd
How large is the market capitalisation of IDI Insurance Company Ltd (IDIN)?
The market capitalisation of IDI Insurance Company Ltd is 3.4B ILS. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of IDI Insurance Company Ltd (IDIN)?
The price-to-sales ratio of IDI Insurance Company Ltd is 0.94 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of IDI Insurance Company Ltd (IDIN)?
Earnings per share at IDI Insurance Company Ltd are 24.99 ILS (price ÷ EPS = P/E 9.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of IDI Insurance Company Ltd (IDIN)?
The dividend yield of IDI Insurance Company Ltd is 11.5% (payout 107%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of IDI Insurance Company Ltd (IDIN)?
The net margin of IDI Insurance Company Ltd is 10.1% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of IDI Insurance Company Ltd (IDIN)?
The return on equity (ROE) of IDI Insurance Company Ltd is 30.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of IDI Insurance Company Ltd (IDIN)?
On an EBIT basis the return on assets of IDI Insurance Company Ltd is 4.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of IDI Insurance Company Ltd (IDIN)?
The operating margin of IDI Insurance Company Ltd is 18.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at IDI Insurance Company Ltd (IDIN)?
Revenue at IDI Insurance Company Ltd is growing −7.2% versus a year earlier (3y avg +22.5%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at IDI Insurance Company Ltd (IDIN)?
Earnings per share at IDI Insurance Company Ltd are growing +5.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does IDI Insurance Company Ltd (IDIN) generate?
The free cash flow of IDI Insurance Company Ltd is 864M ILS (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does IDI Insurance Company Ltd (IDIN) carry?
The net debt of IDI Insurance Company Ltd is 524M ILS (fiscal year 2025, ≈ 0.6 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Broad data
Nov 5, 2026