Automatic Bank Services vs Microsoft: Fair Value & Quality
Both stocks run through our valuation models. Here is how Automatic Bank Services (SHVA) and Microsoft (MSFT) compare, as of Aug 15, 2026.
As of Aug 15, 2026, Fair Value Calculator sees Automatic Bank Services as the less overvalued of the two: Automatic Bank Services trades at ILS 21.50 versus a fair value of ILS 17.08 (-21%), while Microsoft trades at $495 versus $381 (-23%).
Automatic Bank Services
SHVA.TA · ILA · Information Technology
-21%
upside to fair value
overvalued
PriceILS 21.50
Fair ValueILS 17.08
Quality67/100
Microsoft
MSFT · USD · Information Technology
-23%
upside to fair value
overvalued
Price$495
Fair Value$381
Quality68/100
Head-to-head numbers
Green value = the better side for that row (for valuation multiples: lower = cheaper).
Automatic Bank ServicesMicrosoft
Valuation
20.8×P/E (TTM)22.9×
2.11×P/S (TTM)8.99×
1.35×P/B8.33×
6.4×EV/EBITDA15.6×
—PEG1.19×
0.0%Dividend yield0.9%
ILS 0.75Dividend per share$3.56
Profitability
27%Net margin39%
22%Operating margin46%
18%Return on equity34%
9%Return on assets15%
Growth
1%Revenue growth (YoY)18%
10.2%Avg. growth/yr (3Y)12.4%
13.0%Avg. growth/yr (5Y)14.5%
Balance & size
—Debt / equity0.12×
$332MMarket cap$2.9T
expensiveGrowth qualityexpensive
Microsoft leads: 4 to 8 metric wins.
Dash = not meaningfully computable, for example with negative equity.
Quality in detail
The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.
Automatic Bank Servicesof which business quality 66 · market factors 48Microsoftof which business quality 65 · market factors 52
ProfitabilityMargins and returns on capital today
76
75
Quality GrowthAre margins and returns improving?
50
53
CashflowEarnings quality: real cash, not paper profit
InvestmentDisciplined investing over empire-building
49
1
Low VolatilityCalm price path (market factor)
73
57
MomentumPrice trend over the last 3–12 months (market factor)
36
49
52W MomentumDistance to the 52-week high (market factor)
38
51
Net IssuanceBuybacks instead of dilution
86
84
What the models say
The median fair value (base case) per model family, each in the currency of its trading venue. Green = above the current price, red = below.
Automatic Bank Services
DCF ModelsILS 16.45
Earnings-BasedILS 12.04
Dividend DiscountILS 20.01
MultiplesILS 23.56
Asset-BasedILS 4.10
Growth DCFILS 9.79
Economic ProfitILS 8.49
Growth EarningsILS 23.99
19 of 26 models see the stock below the current price.
Microsoft
DCF Models$333
Earnings-Based$189
Dividend Discount$61.93
Multiples$308
Asset-Based$30.98
Growth DCF$249
Economic Profit$184
Growth Earnings$332
26 of 26 models see the stock below the current price.
Scenario ranges
From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.
Automatic Bank Services
Bear ILS 8.75Fair Value ILS 17.08Bull ILS 29.80
ILS 21.50 = current price (white tick)
Microsoft
Bear $192Fair Value $381Bull $480
$495 = current price (white tick)
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Ranked within their sector
Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.
Automatic Bank Services · Information Technology
Quality score67 · Top 25%
Fair value upside-21% · above median
Microsoft · Information Technology
Quality score68 · Top 25%
Fair value upside-23% · above median
Bottom line
As of Aug 15, 2026, Fair Value Calculator sees Automatic Bank Services as the less overvalued of the two: Automatic Bank Services trades at ILS 21.50 versus a fair value of ILS 17.08 (-21%), while Microsoft trades at $495 versus $381 (-23%).
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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.
