SR Accord (SRAC) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of SR Accord stock ILS 89.58, price ILS 53.28, upside +68.1%, quality 53 out of 100. Rating: strongly undervalued. Calculated from audited financials with 9 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 8, 2026.
How to read this chart
60‑month range 17.59 ILS – 59.76 ILS · fair‑value band 67.18 ILS – 111.97 ILS · the 53.28 ILS price screens below the 89.58 ILS fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
Follow SR Accord in your weekly email
Every Wednesday you see whether SR Accord is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
S.R. Accord Ltd. provides non-bank credit solutions for businesses in Israel.
Show moreShow less
The company offers real estate financing; financing for public companies; financing evaluation and construction; car financing and business growth; financing for infrastructure projects; business financing; and financing for small and medium-sized businesses.
It also provides project performance guarantees; real estate financing funds; property lien; check discounting; checking for business; and credit and business credit line. The company was formerly known as Shrem Fudim Group Ltd. and changed its name to S.R. Accord Ltd. in December 2010.
S.R. Accord Ltd. was incorporated in 1991 and is based in Ramla, Israel.
Stock analysis
SR Accord (SRAC) currently trades at 53.28 ILS, while our model-based Fair Value estimate is 89.58 ILS, implying the stock looks roughly 41% undervalued today.
Show more
Valuation
Bull case: the Earnings-Based group reads highest at a median of 143.39 ILS per share, and 4 of the 9 models we run sit above the 53.28 ILS price.
Bear case: the Asset-Based group reads lowest at 28.58 ILS, and 5 of the 9 models stay below the price. Data coverage for this calculation is high.
Scenario range: 67.18 ILS (bear) to 111.97 ILS (bull), the price of 53.28 ILS sits below 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 53/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
SR Accord reported revenue of 224M ILS in FY2025 versus 133M ILS in FY2021, a compound +13.8%/yr. Reported net income was 90.2M ILS in FY2025, compounding +6.3%/yr from FY2021.
Key figures
Market cap 698M ILS Micro · P/E ratio 8.1 · P/S ratio 5.10 · EPS (TTM) 6.56 ILS · Dividend yield 5.4% · Net margin 72.6% · Return on equity 21.4% · Return on assets (EBIT) 7.2% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 76 out of 100 (low confidence).
What moves the price
The share trades about 11% below its 52-week high and 10% 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 68%, SRAC screens cheaper than that median.
Fair Value models
Bear67.18 ILSFair Value 89.58 ILSBull111.97 ILS
Price 53.28 ILS · Upside +68.1%
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 (3.14 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.60/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+20.1%
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.
+7.3%
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.
+14.5%
Start year 2020 (pandemic). Over 10 years: +16.4% a year
Revenue growth 25 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.
−1.0%
’14
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
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.
+13.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year+7.9%
Dividend (yield on the price)5.4%
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.7.9% vs 9.3%, steady
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.60% → 84%
Price, fair value, quality and upside side by side.
Free, no sign-up
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 9/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score53 · Below median
Fair Value upside+68.1% · Above median
Profitability
Return on equity (12 months)21.4% · Top 25%
Return on assets4.6% · Above median
Net margin (12 months)72.6% · Top 25%
Operating margin (12 months)70.8% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)−2.8% · Bottom 25%
Dividend yield (12 months)5.4% · Above median
Balance sheet
Debt / equity0.27× · Below 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). "SR Accord Fair Value". https://www.fairvalue-calculator.com/stock/SRAC
Frequently asked questions
Is SR Accord (SRAC) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of 89.58 ILS versus a price of 53.28 ILS, about +68% upside (undervalued).
What is the fair value of SRAC?
Our model-based fair value for SR Accord is 89.58 ILS (as of Nov 8, 2026), built from audited fundamentals. The current price: 53.28 ILS.
What is the quality score of SRAC?
SR Accord has a Quality Score of 53/100. 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 SR Accord (SRAC)?
Our model-based price target is the fair value of 89.58 ILS (as of Nov 8, 2026) from 9 valuation models. Cautious scenario 67.18 ILS, optimistic scenario 111.97 ILS. It is a calculation from audited fundamentals, not an analyst target.
What is the SR Accord stock forecast for 2026?
Our models put fair value at 89.58 ILS, about +68% upside versus a price of 53.28 ILS (undervalued). Cautious scenario 67.18 ILS, optimistic scenario 111.97 ILS. The calculation is refreshed regularly with new filings.
What is the revenue of SR Accord (SRAC)?
SR Accord reported trailing-twelve-month revenue of about 137M ILS (latest available figure, as of Nov 8, 2026).
Does SR Accord pay a dividend?
SR Accord currently shows a dividend yield of 5.44% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of SR Accord (SRAC) and when is the ex-dividend date?
SR Accord pays a dividend of 2.90 ILS per share a year, a dividend yield of 5.4%. The last ex-dividend date was Sep 3, 2026. A dividend has been paid every year since 2016. The payout ratio is 44.2% of earnings. Our assessment: Watch coverage. The dividend isn’t fully covered by free cash flow or earnings, part of it is funded from reserves or debt. Fine for now, but worth watching: if it stays uncovered, the dividend could be cut.
What is the intrinsic value of SR Accord (SRAC)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For SR Accord it is 89.58 ILS per share (as of Nov 8, 2026), against a price of 53.28 ILS. It is the blended result of 9 valuation models in 6 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is SR Accord stock overvalued or undervalued in 2026?
As of Nov 8, 2026, SRAC trades below its calculated fair value: price 53.28 ILS, fair value 89.58 ILS, a gap of about +68% (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 SRAC?
No. The price is what the market pays today (53.28 ILS); the fair value is what the company's own numbers justify (89.58 ILS). For SR Accord the two are 36.30 ILS per share apart. That gap is exactly why we show both numbers side by side.
How much is SR Accord worth?
The market values SR Accord at about 698M ILS (market capitalisation, as of Nov 8, 2026). Per share that is 53.28 ILS; our models calculate a fair value of 89.58 ILS per share.
What do the bullish and bearish scenarios say about SRAC?
Our models span a range for SR Accord: cautious scenario 67.18 ILS, base 89.58 ILS, optimistic 111.97 ILS per share (as of Nov 8, 2026, price 53.28 ILS). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of SRAC?
SR Accord trades at a price-to-earnings ratio of 8.1 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 89.58 ILS is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 8.6. Other multiples: P/B 1.5, P/S 5.1, EV/EBITDA 3.7.
How solid is the balance sheet of SR Accord (SRAC)?
Balance-sheet figures for SR Accord (as of Nov 8, 2026): return on equity 21.4%, debt of 0.27 per unit of equity. They feed the Quality Score of 53/100, which measures business quality independently of the share price.
How far is SRAC from its 52-week high?
SR Accord trades at 53.28 ILS, about 11% below its 52-week high of 59.76 ILS and 10% above the low of 48.33 ILS (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 89.58 ILS is for.
Which stocks are comparable to SR Accord?
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 SR Accord stock attractive at the current price?
The data as of Nov 8, 2026: price 53.28 ILS, calculated fair value 89.58 ILS (+68%), Quality Score 53/100, from 9 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 SRAC calculated?
We run SR Accord through 9 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 89.58 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. SR Accord currently trades 41% 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 SR Accord (SRAC)?
The closing price on Nov 6, 2026 was 53.28 ILS. Our model-based fair value is 89.58 ILS, about +68% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with SR Accord right now?
The price is below even our cautious bear case (67.18 ILS). The market is more pessimistic than our downside scenario. Solid quality (53/100) at a price below fair value, the discount is the argument here, not the business quality. 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 SR Accord (SRAC) come from?
Earnings per share at SR Accord grew +8.5 % a year from 2015 to 2025. Broken into its drivers: revenue per share +15.6 %, EBIT margin −0.6 %, tax rate −3.1 %, residual (interest, one-offs) −2.5 %. 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 SR Accord
How large is the market capitalisation of SR Accord (SRAC)?
The market capitalisation of SR Accord is 698M 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 SR Accord (SRAC)?
The price-to-sales ratio of SR Accord is 5.10 (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 SR Accord (SRAC)?
Earnings per share at SR Accord are 6.56 ILS (price ÷ EPS = P/E 8.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of SR Accord (SRAC)?
The dividend yield of SR Accord is 5.4% (payout 44.2%). 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 SR Accord (SRAC)?
The net margin of SR Accord is 72.6% (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 SR Accord (SRAC)?
The return on equity (ROE) of SR Accord is 21.4% (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 SR Accord (SRAC)?
On an EBIT basis the return on assets of SR Accord is 7.2% (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 SR Accord (SRAC)?
The operating margin of SR Accord is 70.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at SR Accord (SRAC)?
Revenue at SR Accord is growing −2.8% versus a year earlier (3y avg +7.3%). 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 SR Accord (SRAC)?
Earnings per share at SR Accord are growing +16.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does SR Accord (SRAC) generate?
The free cash flow of SR Accord is −256M 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 SR Accord (SRAC) carry?
The net debt of SR Accord is 1.4B 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.
Free · no account needed
Watch SR Accord in the live analysis
One click puts SR Accord on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 27,000+ stock screener.
Broad data
Nov 8, 2026