EN Shoham Business Ltd (SHOM) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of EN Shoham Business Ltd stock ILS 7.67, price ILS 6.80, upside +12.8%, quality 41 out of 100. Rating: undervalued. Calculated from audited financials with 8 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 3.08 ILS – 9.34 ILS · fair‑value band 5.75 ILS – 18.46 ILS · the 6.80 ILS price screens below the 7.67 ILS fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 9, 2026.
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E.N. Shoham Business Ltd operates as an investment arm of Rubicon Business Group Ltd. It specializes in investments in the industry, retail, and real estate sectors. The firm seeks to invest in Israel and abroad. Isal Amlat was founded in 1987 and is based in Herzliya Pituach, Israel. E.N.
Stock analysis
EN Shoham Business Ltd (SHOM) currently trades at 6.80 ILS, while our model-based Fair Value estimate is 7.67 ILS, implying the stock looks roughly 11% undervalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of 46.29 ILS per share, and 5 of the 8 models we run sit above the 6.80 ILS price.
Bear case: the Asset-Based group reads lowest at 4.47 ILS, and 3 of the 8 models stay below the price. Data coverage for this calculation is medium.
Scenario range: 5.75 ILS (bear) to 18.46 ILS (bull), the price of 6.80 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 41/100 (below-average quality), in the Financial Services sector.
Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.
EN Shoham Business Ltd reported revenue of 6.5M ILS in FY2025 versus 59.3M ILS in FY2021, a compound −42.5%/yr. Reported net income was 42.7M ILS in FY2025, compounding +16.5%/yr from FY2021.
Key figures
Market cap 257M ILS Micro · P/E ratio 6.2 · P/S ratio 1.52 · EPS (TTM) 1.10 ILS · Dividend yield 7.7% · Net margin 24.8% · Return on equity 19.0% · Return on assets (EBIT) 7.1% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 72 out of 100 (low confidence).
What moves the price
The share trades about 25% below its 52-week high and 6% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −3% fair-value upside, at 13%, SHOM screens cheaper than that median.
Fair Value models
Bear5.75 ILSFair Value 7.67 ILSBull18.46 ILS
Price 6.80 ILS · Upside +12.8%
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 (0.9433 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.16/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−95.2%
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.
−59.2%
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.
−32.8%
Start year 2020 (pandemic). Over 10 years: +93.1% a year
Revenue growth 23 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.
−9.2%
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What shareholders gained per year (last 5 years) ⓘ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.
+24.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+16.7%
Dividend (yield on the price)7.7%
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.16.7% vs 38.3%, slowing
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.72% → −870%
Price, fair value, quality and upside side by side.
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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.Credit Services · 283 stocks
Beats the industry median on 7/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score41 · Bottom 25%
Fair Value upside+12.8% · Below median
Profitability
Return on equity (12 months)19.0% · Top 25%
Return on assets4.0% · Above median
Net margin (12 months)24.8% · Below median
Operating margin (12 months)74.3% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)0.5% · Below median
Dividend yield (12 months)7.7% · Top 25%
Balance sheet
Debt / equity1.30× · Above median
Valuation Multiplesvs Credit Services 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). "EN Shoham Business Ltd Fair Value". https://www.fairvalue-calculator.com/stock/SHOM
Frequently asked questions
Is EN Shoham Business Ltd (SHOM) overvalued or undervalued?
As of Nov 9, 2026, our model estimates a fair value of 7.67 ILS versus a price of 6.80 ILS, about +13% upside (undervalued).
What is the fair value of SHOM?
Our model-based fair value for EN Shoham Business Ltd is 7.67 ILS (as of Nov 9, 2026), built from audited fundamentals. The current price: 6.80 ILS.
What is the quality score of SHOM?
EN Shoham Business Ltd has a Quality Score of 41/100. 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 EN Shoham Business Ltd (SHOM)?
Our model-based price target is the fair value of 7.67 ILS (as of Nov 9, 2026) from 8 valuation models. Cautious scenario 5.75 ILS, optimistic scenario 18.46 ILS. It is a calculation from audited fundamentals, not an analyst target.
What is the EN Shoham Business Ltd stock forecast for 2026?
Our models put fair value at 7.67 ILS, about +13% upside versus a price of 6.80 ILS (undervalued). Cautious scenario 5.75 ILS, optimistic scenario 18.46 ILS. The calculation is refreshed regularly with new filings.
Does EN Shoham Business Ltd pay a dividend?
EN Shoham Business Ltd currently shows a dividend yield of 7.67% relative to its recent price (as of Nov 9, 2026).
How much is the dividend of EN Shoham Business Ltd (SHOM)?
EN Shoham Business Ltd has a dividend yield of 7.7%.
What is the intrinsic value of EN Shoham Business Ltd (SHOM)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For EN Shoham Business Ltd it is 7.67 ILS per share (as of Nov 9, 2026), against a price of 6.80 ILS. It is the blended result of 8 valuation models in 6 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is EN Shoham Business Ltd stock overvalued or undervalued in 2026?
As of Nov 9, 2026, SHOM trades below its calculated fair value: price 6.80 ILS, fair value 7.67 ILS, a gap of about +13% (undervalued). 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 SHOM?
No. The price is what the market pays today (6.80 ILS); the fair value is what the company's own numbers justify (7.67 ILS). For EN Shoham Business Ltd the two are 0.8720 ILS per share apart. That gap is exactly why we show both numbers side by side.
How much is EN Shoham Business Ltd worth?
The market values EN Shoham Business Ltd at about 257M ILS (market capitalisation, as of Nov 9, 2026). Per share that is 6.80 ILS; our models calculate a fair value of 7.67 ILS per share.
What do the bullish and bearish scenarios say about SHOM?
Our models span a range for EN Shoham Business Ltd: cautious scenario 5.75 ILS, base 7.67 ILS, optimistic 18.46 ILS per share (as of Nov 9, 2026, price 6.80 ILS). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of SHOM?
EN Shoham Business Ltd trades at a price-to-earnings ratio of 6.2 (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 7.67 ILS is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 10.7. Other multiples: P/B 1.2, P/S 1.5, EV/EBITDA 3.5.
How solid is the balance sheet of EN Shoham Business Ltd (SHOM)?
Balance-sheet figures for EN Shoham Business Ltd (as of Nov 9, 2026): return on equity 19.0%, debt of 1.30 per unit of equity. They feed the Quality Score of 41/100, which measures business quality independently of the share price.
How far is SHOM from its 52-week high?
EN Shoham Business Ltd trades at 6.80 ILS, about 25% below its 52-week high of 9.01 ILS and 6% above the low of 6.40 ILS (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 7.67 ILS is for.
Which stocks are comparable to EN Shoham Business Ltd?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial 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 EN Shoham Business Ltd stock attractive at the current price?
The data as of Nov 9, 2026: price 6.80 ILS, calculated fair value 7.67 ILS (+13%), Quality Score 41/100, from 8 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 SHOM calculated?
We run EN Shoham Business Ltd through 8 models from 6 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 7.67 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. EN Shoham Business Ltd currently trades 11% below its own fair value, and the market average says nothing about that. 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 EN Shoham Business Ltd (SHOM)?
The closing price on Nov 6, 2026 was 6.80 ILS. Our model-based fair value is 7.67 ILS, about +13% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with EN Shoham Business Ltd right now?
The model range is unusually wide (5.75 ILS to 18.46 ILS). The outcome hinges heavily on assumptions, so read the point estimate with caution. 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 EN Shoham Business Ltd
How large is the market capitalisation of EN Shoham Business Ltd (SHOM)?
The market capitalisation of EN Shoham Business Ltd is 257M 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 EN Shoham Business Ltd (SHOM)?
The price-to-sales ratio of EN Shoham Business Ltd is 1.52 (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 EN Shoham Business Ltd (SHOM)?
Earnings per share at EN Shoham Business Ltd are 1.10 ILS (price ÷ EPS = P/E 6.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of EN Shoham Business Ltd (SHOM)?
The dividend yield of EN Shoham Business Ltd is 7.7% (payout 47.4%). 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 EN Shoham Business Ltd (SHOM)?
The net margin of EN Shoham Business Ltd is 24.8% (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 EN Shoham Business Ltd (SHOM)?
The return on equity (ROE) of EN Shoham Business Ltd is 19.0% (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 EN Shoham Business Ltd (SHOM)?
On an EBIT basis the return on assets of EN Shoham Business Ltd is 7.1% (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 EN Shoham Business Ltd (SHOM)?
The operating margin of EN Shoham Business Ltd is 74.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at EN Shoham Business Ltd (SHOM)?
Revenue at EN Shoham Business Ltd is growing +0.5% versus a year earlier (3y avg −59.2%). 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 EN Shoham Business Ltd (SHOM)?
Earnings per share at EN Shoham Business Ltd are growing −7.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does EN Shoham Business Ltd (SHOM) generate?
The free cash flow of EN Shoham Business Ltd is −84.8M 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 EN Shoham Business Ltd (SHOM) carry?
The net debt of EN Shoham Business Ltd is 760M 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