Amal Holdings (AMAL) fair value: what the stock is really worth
As of Nov 4, 2026: fair value (intrinsic value) of Amal Holdings stock ILS 20.93, price ILS 14.81, upside +41.3%, quality 69 out of 100. Rating: undervalued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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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
11‑month range 14.41 ILS – 20.25 ILS · fair‑value band 12.59 ILS – 27.21 ILS · the 14.81 ILS price screens below the 20.93 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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Amal Holdings A.D. Ltd. provides nursing, rehabilitation, and care services in Israel.
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The company offers home care, senior housing, mental health, special education, and foster care; psychological treatment, counseling, diagnosis, and treatment; community mental health rehabilitation; consultation and preparation for insurance comities; preventive intervention for anxiety, distress, and post-traumatic stress services in children, as well as operates physiotherapy centers and educational frameworks.
Amal Holdings A.D. Ltd. was founded in 1984 and is based in Caesarea, Israel.
Stock analysis
Amal Holdings (AMAL) currently trades at 14.81 ILS, while our model-based Fair Value estimate is 20.93 ILS, implying the stock looks roughly 29% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of 21.62 ILS per share, and 17 of the 26 models we run sit above the 14.81 ILS price.
Bear case: the Economic Profit group reads lowest at 4.30 ILS, and 9 of the 26 models stay below the price. Data coverage for this calculation is high.
Scenario range: 12.59 ILS (bear) to 27.21 ILS (bull), the price of 14.81 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 Healthcare sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Amal Holdings reported revenue of 2.2B ILS in FY2025 versus 1.6B ILS in FY2023, a compound +16.3%/yr. Reported net income was 134M ILS in FY2025, compounding +22.6%/yr from FY2023.
Key figures
Market cap 2.1B ILS Small · P/E ratio 2.7 · P/S ratio 0.17 · EPS (TTM) 5.39 ILS · Dividend yield 1.2% · Net margin 6.1% · Return on assets (EBIT) 19.3% · Operating margin 8.5%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 53 out of 100 (low confidence).
What moves the price
The share trades about 27% below its 52-week high and 3% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Healthcare peers we cover trades at −4% fair-value upside, at 41%, AMAL screens cheaper than that median.
Fair Value models
Bear12.59 ILSFair Value 20.93 ILSBull27.21 ILS
Price 14.81 ILS · Upside +41.3%
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 (4.41 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.89/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: only 2 usable fiscal years, at least 4 required
not computed
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+8.0%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (Israel: IMF forecast 2.1% a year to 2030, 1.7% from 2016 to 2025) that is about +5.8% a year for the price.
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.Medical Care Facilities · 236 stocks
Beats the industry median on 7/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score69 · Top 25%
Fair Value upside+41.3% · Above median
Profitability
Return on assets13.5% · Top 25%
Net margin (12 months)5.9% · Below median
Operating margin (12 months)8.5% · Below median
Growth and dividend
Revenue growth (quarter YoY)4.2% · Below median
Dividend yield (12 months)1.2% · Below median
Balance sheet
Debt / equity1.04× · Highest 25%
Valuation Multiplesvs Medical Care Facilities 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). "Amal Holdings Fair Value". https://www.fairvalue-calculator.com/stock/AMAL.TA
Frequently asked questions
Is Amal Holdings (AMAL) overvalued or undervalued?
As of Nov 5, 2026, our model estimates a fair value of 20.93 ILS versus a price of 14.81 ILS, about +41% upside (undervalued).
What is the fair value of AMAL?
Our model-based fair value for Amal Holdings is 20.93 ILS (as of Nov 5, 2026), built from audited fundamentals. The current price: 14.81 ILS.
What is the quality score of AMAL?
Amal Holdings 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 Amal Holdings (AMAL)?
Our model-based price target is the fair value of 20.93 ILS (as of Nov 5, 2026) from 26 valuation models. Cautious scenario 12.59 ILS, optimistic scenario 27.21 ILS. It is a calculation from audited fundamentals, not an analyst target.
What is the Amal Holdings stock forecast for 2026?
Our models put fair value at 20.93 ILS, about +41% upside versus a price of 14.81 ILS (undervalued). Cautious scenario 12.59 ILS, optimistic scenario 27.21 ILS. The calculation is refreshed regularly with new filings.
What is the revenue of Amal Holdings (AMAL)?
Amal Holdings reported trailing-twelve-month revenue of about 2.3B ILS (latest available figure, as of Nov 5, 2026).
Does Amal Holdings pay a dividend?
Amal Holdings currently shows a dividend yield of 1.21% relative to its recent price (as of Nov 5, 2026).
What growth is priced into Amal Holdings (AMAL)?
For today's price to be fair in a discounted-cash-flow model, Amal Holdings would have to grow free cash flow by +8.0 % per year for five years (discount rate 13.1 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 2 years revenue grew +16.3 % per year. As of Nov 5, 2026.
What discount rate (WACC) does the fair value of AMAL use?
Our models discount Amal Holdings at 13.1 %: a base by market capitalisation (small), country premium for Israel. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Amal Holdings that is +8.0 % per year a year over ten years, using the same discount rate (13.1 %) and the same formula as our fair value.
How much growth has Amal Holdings (AMAL) delivered so far?
Over the past 2 years revenue at Amal Holdings grew +16.3 % a year. The price currently implies +8.0 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Amal Holdings (AMAL) growing?
The median revenue growth in the sector is +1.7 % a year. That is the yardstick for the growth priced into Amal Holdings (+8.0 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Amal Holdings (AMAL)?
The free-cash-flow yield on the price is 8.84 %: that much free cash flow Amal Holdings produces per unit of market value. When it exceeds the discount rate of our models (13.1 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Amal Holdings (AMAL)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Amal Holdings it is 20.93 ILS per share (as of Nov 5, 2026), against a price of 14.81 ILS. It is the blended result of 26 valuation models (cash flow, earnings, asset, dividend).
Is Amal Holdings stock overvalued or undervalued in 2026?
As of Nov 5, 2026, AMAL trades below its calculated fair value: price 14.81 ILS, fair value 20.93 ILS, a gap of about +41% (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 AMAL?
No. The price is what the market pays today (14.81 ILS); the fair value is what the company's own numbers justify (20.93 ILS). For Amal Holdings the two are 6.12 ILS per share apart. That gap is exactly why we show both numbers side by side.
How much is Amal Holdings worth?
The market values Amal Holdings at about 2.1B ILS (market capitalisation, as of Nov 5, 2026). Per share that is 14.81 ILS; our models calculate a fair value of 20.93 ILS per share.
What do the bullish and bearish scenarios say about AMAL?
Our models span a range for Amal Holdings: cautious scenario 12.59 ILS, base 20.93 ILS, optimistic 27.21 ILS per share (as of Nov 5, 2026, price 14.81 ILS). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of AMAL?
Amal Holdings trades at a price-to-earnings ratio of 2.7 (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 20.93 ILS is built from several models across several years. Other multiples: P/B 3.6, P/S 0.3, EV/EBITDA 3.7.
How solid is the balance sheet of Amal Holdings (AMAL)?
Balance-sheet figures for Amal Holdings (as of Nov 5, 2026): debt of 1.04 per unit of equity. They feed the Quality Score of 69/100, which measures business quality independently of the share price.
How far is AMAL from its 52-week high?
Amal Holdings trades at 14.81 ILS, about 27% below its 52-week high of 20.25 ILS and 3% above the low of 14.41 ILS (as of Nov 4, 2026). Distance from the high says nothing about value: that is what the fair value of 20.93 ILS is for.
Which stocks are comparable to Amal Holdings?
From the same area (Healthcare) we also value HCA Healthcare, Inc, Fresenius SE, Tenet Healthcare Corporation, Dr. Sulaiman Al Habib Medical Services Group, 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 Amal Holdings stock attractive at the current price?
The data as of Nov 5, 2026: price 14.81 ILS, calculated fair value 20.93 ILS (+41%), Quality Score 69/100, from 26 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 AMAL calculated?
We run Amal Holdings through 26 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 20.93 ILS, 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 15.0% above its aggregate fair value. Amal Holdings currently trades 29% 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 Amal Holdings (AMAL)?
The closing price on Nov 4, 2026 was 14.81 ILS. Our model-based fair value is 20.93 ILS, about +41% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Amal Holdings right now?
Solid quality (69/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range (12.59 ILS to 27.21 ILS) leaves room in how you read the outcome.
Key figures of Amal Holdings
How large is the market capitalisation of Amal Holdings (AMAL)?
The market capitalisation of Amal Holdings is 2.1B 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 Amal Holdings (AMAL)?
The price-to-sales ratio of Amal Holdings is 0.17 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Amal Holdings (AMAL)?
Earnings per share at Amal Holdings are 5.39 ILS (price ÷ EPS = P/E 2.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Amal Holdings (AMAL)?
The dividend yield of Amal Holdings is 1.2% (payout 3.3%). 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 Amal Holdings (AMAL)?
The net margin of Amal Holdings is 6.1% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the EBIT return on assets of Amal Holdings (AMAL)?
On an EBIT basis the return on assets of Amal Holdings is 19.3% (avg 2y). 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 Amal Holdings (AMAL)?
The operating margin of Amal Holdings is 8.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Amal Holdings (AMAL)?
Revenue at Amal Holdings is growing +4.2% versus a year earlier. 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 Amal Holdings (AMAL)?
Earnings per share at Amal Holdings are growing −8.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Amal Holdings (AMAL) carry?
The net debt of Amal Holdings is 222M ILS (fiscal year 2025, ≈ 1.2 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