Libra Insurance Company Ltd (LBRA) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Libra Insurance Company Ltd stock ILS 14.84, price ILS 28.24, that is 47.5% below the price, quality 48 out of 100. Rating: strongly 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 9, 2026.
How to read this chart
60‑month range 2.09 ILS – 32.25 ILS · fair‑value band 9.88 ILS – 18.55 ILS · the 28.24 ILS price screens above the 14.84 ILS fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Nov 9, 2026.
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Libra Insurance Company Ltd engages in the general insurance business in Israel. The company offers motor property insurance; home insurance, including mortgage building insurance; business insurance; pet insurance; and overseas travel insurance, as well as life insurance products.
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Libra Insurance Company Ltd was incorporated in 2017 and is headquartered in Holon, Israel.
Stock analysis
Libra Insurance Company Ltd (LBRA) currently trades at 28.24 ILS, while our model-based Fair Value estimate is 14.84 ILS, 47% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of 16.95 ILS per share, and 0 of the 6 models we run sit above the 28.24 ILS price.
Bear case: the Asset-Based group reads lowest at 2.48 ILS, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: 9.88 ILS (bear) to 18.55 ILS (bull), the price of 28.24 ILS sits above 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 48/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Libra Insurance Company Ltd reported revenue of 907M ILS in FY2025 versus 122M ILS in FY2021, a compound +65.1%/yr. Reported net income was 85.2M ILS in FY2025, compounding +126.0%/yr from FY2021.
Key figures
Market cap 1.3B ILS Small · P/E ratio 13.6 · P/S ratio 1.15 · EPS (TTM) 2.07 ILS · Dividend yield 0.8% · Net margin 8.5% · Return on equity 56.2% · Return on assets (EBIT) 8.6% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 59 out of 100 (low confidence).
What moves the price
The share trades about 12% below its 52-week high and 80% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −22% fair-value upside, at −47%, LBRA screens richer than that median.
Fair Value models
The price assumes far more growth than our models allow for, so the models scatter widely (2.48 ILS to 24.48 ILS). Read the Fair Value as a cautious anchor, not a price target; the Growth Forecast section shows what the price assumes.
Bear9.88 ILSFair Value 14.84 ILSBull18.55 ILS
Price 28.24 ILS · Downside -47.5%
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. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (1.59 ILS per share) are deliberately not added.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.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+78.0%
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.
+75.0%
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.
+68.3%
Start year 2020 (pandemic)
Revenue growth 7 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.
+148.4%
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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.
+92.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+91.9%
Dividend (yield on the price)0.8%
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.10% → 14%
2025 sits 183% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
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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 - Property & Casualty · 100 stocks
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). "Libra Insurance Company Ltd Fair Value". https://www.fairvalue-calculator.com/stock/LBRA
Frequently asked questions
Is Libra Insurance Company Ltd (LBRA) overvalued or undervalued?
As of Nov 9, 2026, our model estimates a fair value of 14.84 ILS versus a price of 28.24 ILS, about 47% lower (overvalued).
What is the fair value of LBRA?
Our model-based fair value for Libra Insurance Company Ltd is 14.84 ILS (as of Nov 9, 2026), built from audited fundamentals. The current price: 28.24 ILS.
What is the quality score of LBRA?
Libra Insurance Company Ltd has a Quality Score of 48/100. 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 Libra Insurance Company Ltd (LBRA)?
Our model-based price target is the fair value of 14.84 ILS (as of Nov 9, 2026) from 6 valuation models. Cautious scenario 9.88 ILS, optimistic scenario 18.55 ILS. It is a calculation from audited fundamentals, not an analyst target.
What is the Libra Insurance Company Ltd stock forecast for 2026?
Our models put fair value at 14.84 ILS, about 47% lower versus a price of 28.24 ILS (overvalued). Cautious scenario 9.88 ILS, optimistic scenario 18.55 ILS. The calculation is refreshed regularly with new filings.
What is the revenue of Libra Insurance Company Ltd (LBRA)?
Libra Insurance Company Ltd reported trailing-twelve-month revenue of about 1.1B ILS (latest available figure, as of Nov 9, 2026).
Does Libra Insurance Company Ltd pay a dividend?
Libra Insurance Company Ltd currently shows a dividend yield of 0.78% relative to its recent price (as of Nov 9, 2026).
How much is the dividend of Libra Insurance Company Ltd (LBRA) and when is the ex-dividend date?
Libra Insurance Company Ltd pays a dividend of 0.22 ILS per share a year, a dividend yield of 0.8%. The last ex-dividend date was Jun 5, 2026. The payout ratio is 10.6% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Libra Insurance Company Ltd (LBRA)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Libra Insurance Company Ltd it is 14.84 ILS per share (as of Nov 9, 2026), against a price of 28.24 ILS. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Libra Insurance Company Ltd stock overvalued or undervalued in 2026?
As of Nov 9, 2026, LBRA trades above its calculated fair value: price 28.24 ILS, fair value 14.84 ILS, a gap of about −47% (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 LBRA?
No. The price is what the market pays today (28.24 ILS); the fair value is what the company's own numbers justify (14.84 ILS). For Libra Insurance Company Ltd the two are 13.40 ILS per share apart. That gap is exactly why we show both numbers side by side.
How much is Libra Insurance Company Ltd worth?
The market values Libra Insurance Company Ltd at about 1.3B ILS (market capitalisation, as of Nov 9, 2026). Per share that is 28.24 ILS; our models calculate a fair value of 14.84 ILS per share.
What do the bullish and bearish scenarios say about LBRA?
Our models span a range for Libra Insurance Company Ltd: cautious scenario 9.88 ILS, base 14.84 ILS, optimistic 18.55 ILS per share (as of Nov 9, 2026, price 28.24 ILS). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of LBRA?
Libra Insurance Company Ltd trades at a price-to-earnings ratio of 13.6 (as of Nov 9, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 14.84 ILS is built from several models across several years. Other multiples: P/B 7.0, P/S 1.2, EV/EBITDA 8.9.
How solid is the balance sheet of Libra Insurance Company Ltd (LBRA)?
Balance-sheet figures for Libra Insurance Company Ltd (as of Nov 9, 2026): return on equity 56.2%, debt of 0.27 per unit of equity. They feed the Quality Score of 48/100, which measures business quality independently of the share price.
How far is LBRA from its 52-week high?
Libra Insurance Company Ltd trades at 28.24 ILS, about 12% below its 52-week high of 32.25 ILS and 80% above the low of 15.67 ILS (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 14.84 ILS is for.
Which stocks are comparable to Libra Insurance Company Ltd?
From the same area (Financial Services) we also value Chubb Limited, The Progressive Corporation, The Travelers Companies, Inc, The Allstate Corporation, 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 Libra Insurance Company Ltd stock attractive at the current price?
The data as of Nov 9, 2026: price 28.24 ILS, calculated fair value 14.84 ILS (−47%), Quality Score 48/100, 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 LBRA calculated?
We run Libra 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 14.84 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 13.3% above its aggregate fair value. Libra 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 Libra Insurance Company Ltd (LBRA)?
The closing price on Nov 6, 2026 was 28.24 ILS. Our model-based fair value is 14.84 ILS, about 47% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Libra Insurance Company Ltd right now?
The price sits above even our optimistic bull case (18.55 ILS). The favourable scenario is already priced in. Weak quality (48/100) and above fair value at the same time, the margin of safety is missing on both counts. A fairly wide model range (9.88 ILS to 18.55 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.
Key figures of Libra Insurance Company Ltd
How large is the market capitalisation of Libra Insurance Company Ltd (LBRA)?
The market capitalisation of Libra Insurance Company Ltd is 1.3B 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 Libra Insurance Company Ltd (LBRA)?
The price-to-sales ratio of Libra Insurance Company Ltd is 1.15 (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 Libra Insurance Company Ltd (LBRA)?
Earnings per share at Libra Insurance Company Ltd are 2.07 ILS (price ÷ EPS = P/E 13.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Libra Insurance Company Ltd (LBRA)?
The dividend yield of Libra Insurance Company Ltd is 0.8% (payout 10.6%). 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 Libra Insurance Company Ltd (LBRA)?
The net margin of Libra Insurance Company Ltd is 8.5% (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 Libra Insurance Company Ltd (LBRA)?
The return on equity (ROE) of Libra Insurance Company Ltd is 56.2% (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 Libra Insurance Company Ltd (LBRA)?
On an EBIT basis the return on assets of Libra Insurance Company Ltd is 8.6% (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 Libra Insurance Company Ltd (LBRA)?
The operating margin of Libra Insurance Company Ltd is 13.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Libra Insurance Company Ltd (LBRA)?
Revenue at Libra Insurance Company Ltd is growing +7.7% versus a year earlier (3y avg +75.0%). 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 Libra Insurance Company Ltd (LBRA)?
Earnings per share at Libra Insurance Company Ltd are growing +52.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Libra Insurance Company Ltd (LBRA) generate?
The free cash flow of Libra Insurance Company Ltd is −56.0M 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 Libra Insurance Company Ltd (LBRA) carry?
The net debt of Libra Insurance Company Ltd is 26.1M ILS (fiscal year 2025). 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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Nov 9, 2026