Erech Finance Cahalacha Ltd (EFNC) fair value: what the stock is really worth
As of Oct 7, 2026: fair value of Erech Finance Cahalacha Ltd ILS 1.09, price ILS 1.54, upside -29.2%, quality 23 out of 100. Calculated from audited financials with 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, dashed = 300-day average. As of Oct 14, 2026.
How to read this chart
60‑month range 1.21 ILA – 94.00 ILA · fair‑value band 0.8100 ILA – 1.62 ILA · the 1.54 ILA price screens above the 1.09 ILA fair value. Dashed = 300-day average. As of Oct 14, 2026.
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Erech Finance Cahalacha Ltd, together with its subsidiaries, provides loans and credit services to small and medium sized enterprises, associations, and private borrowers in Israel. It is also involved in the development of biomed-drugs in the areas of juvenile diabetes and cancer. The company was founded in 1998 and is based in Jerusalem, Israel.
Stock analysis
Erech Finance Cahalacha Ltd (EFNC) currently trades at 1.54 ILA, while our model-based Fair Value estimate is 1.09 ILA, 29.2% below the price, so the stock looks overvalued today.
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Valuation
How firm this estimate is: it rests on 1 models at a data quality of 88/100, which puts the evidence level at low.
Scenario range: 0.8100 ILA (bear) to 1.62 ILA (bull), the price of 1.54 ILA 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 23/100 (below-average quality), in the Healthcare sector.
Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.
Erech Finance Cahalacha Ltd reported revenue of 282K ILS in FY2023 versus 6.6M ILS in FY2019, a compound −54.5%/yr. Reported net income was −25.3M ILS in FY2023.
Key figures
Market cap 7.2M ILA · EPS (TTM) −9.97 ILA · Return on equity −153% · Return on assets (EBIT) −21.0% · Operating margin 131% · Revenue (TTM) −10.9M ILA · Revenue growth (YoY) +46.7% · EPS growth (YoY) −94.9%.
What moves the price
The share trades about 50% below its 52-week high and 27% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Healthcare peers we cover trades at 7% fair-value upside, at −29%, EFNC screens richer than that median.
Fair Value models
Bear 0.8100 ILAFair Value 1.09 ILABull 1.62 ILA
Price 1.54 ILA · Upside -29.2%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.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.Evidence ⓘEvidence = 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.0/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−97.4%
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.
−69.6%
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.
−50.8%
Revenue growth 10 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.
+8.8%
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Profit margin (trend) ⓘ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.
−91.6% (2018) → −6,337.6% (2023)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2023 is a loss year, no rate is defined from a loss
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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 Devices · 328 stocks
Beats the industry median on 4/8 measures
A mixed picture versus its industry peers.
Valuation
Quality Score23 · Bottom 25%
Fair Value upside−29.2% · Below median
Profitability
Return on assets−53.8% · Bottom 25%
Operating margin (TTM)131.0% · Top 25%
Growth and dividend
Revenue growth46.7% · Top 25%
Balance sheet
Debt / equity1.00× · Highest 25%
Valuation Multiplesvs Medical Devices median · lower = cheaper
P/B0.54× · Cheapest 25%
EV/EBITDA2.5× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 9
FUTURE (revenue growth)100· sector 35
PAST (return on equity)0· sector 16
HEALTH (low debt)50· sector 98
DIVIDEND (yield)0· sector 39
VALUE 0: the price sits above our fair-value range.
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.
Is Erech Finance Cahalacha Ltd (EFNC) overvalued or undervalued?
As of Oct 14, 2026, our model estimates a fair value of 1.09 ILA versus the last price from Oct 7, 2026 of 1.54 ILA, about −29% upside (overvalued).
What is the fair value of EFNC?
Our model-based fair value for Erech Finance Cahalacha Ltd is 1.09 ILA (as of Oct 14, 2026), built from audited fundamentals. Last price (from Oct 7, 2026): 1.54 ILA.
What is the quality score of EFNC?
Erech Finance Cahalacha Ltd has a Quality Score of 23/100. 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 Erech Finance Cahalacha Ltd (EFNC)?
Our model-based price target is the fair value of 1.09 ILA (as of Oct 14, 2026) from 1 valuation models. Cautious scenario 0.8100 ILA, optimistic scenario 1.62 ILA. It is a calculation from audited fundamentals, not an analyst target.
What is the Erech Finance Cahalacha Ltd stock forecast for 2026?
Our models put fair value at 1.09 ILA, about −29% upside versus the last price from Oct 7, 2026 of 1.54 ILA (overvalued). Cautious scenario 0.8100 ILA, optimistic scenario 1.62 ILA. The calculation is refreshed regularly with new filings.
What is the intrinsic value of Erech Finance Cahalacha Ltd (EFNC)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Erech Finance Cahalacha Ltd it is 1.09 ILA per share (as of Oct 14, 2026), against a price of 1.54 ILA. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is Erech Finance Cahalacha Ltd stock overvalued or undervalued in 2026?
As of Oct 14, 2026, EFNC trades above its calculated fair value: price 1.54 ILA, fair value 1.09 ILA, a gap of about −29% (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 EFNC?
No. The price is what the market pays today (1.54 ILA); the fair value is what the company's own numbers justify (1.09 ILA). For Erech Finance Cahalacha Ltd the two are 0.4500 ILA per share apart. That gap is exactly why we show both numbers side by side.
How much is Erech Finance Cahalacha Ltd worth?
The market values Erech Finance Cahalacha Ltd at about 7.2M ILA (market capitalisation, as of Oct 14, 2026). Per share that is 1.54 ILA; our models calculate a fair value of 1.09 ILA per share.
What do the bullish and bearish scenarios say about EFNC?
Our models span a range for Erech Finance Cahalacha Ltd: cautious scenario 0.8100 ILA, base 1.09 ILA, optimistic 1.62 ILA per share (as of Oct 14, 2026, price 1.54 ILA). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Erech Finance Cahalacha Ltd (EFNC)?
Balance-sheet figures for Erech Finance Cahalacha Ltd (as of Oct 14, 2026): return on equity −152.5%, debt of 1.00 per unit of equity. They feed the Quality Score of 23/100, which measures business quality independently of the share price.
How far is EFNC from its 52-week high?
Erech Finance Cahalacha Ltd trades at 1.54 ILA, about 50% below its 52-week high of 3.05 ILA and 27% above the low of 1.21 ILA (as of Oct 7, 2026). Distance from the high says nothing about value: that is what the fair value of 1.09 ILA is for.
Which stocks are comparable to Erech Finance Cahalacha Ltd?
From the same area (Healthcare) we also value Abbott Laboratories,, Medtronic plc, Stryker Corporation, Boston Scientific 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 Erech Finance Cahalacha Ltd stock attractive at the current price?
The data as of Oct 14, 2026: price 1.54 ILA, calculated fair value 1.09 ILA (−29%), Quality Score 23/100, from 1 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 EFNC calculated?
We run Erech Finance Cahalacha Ltd through 1 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 1.09 ILA, 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 14.5 % above its aggregate fair value. Erech Finance Cahalacha 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 Erech Finance Cahalacha Ltd (EFNC)?
The latest price we hold is from Oct 7, 2026 and stands at 1.54 ILA. Our model-based fair value is 1.09 ILA, about −29% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Erech Finance Cahalacha Ltd right now?
Weak quality (23/100) and above fair value at the same time, the margin of safety is missing on both counts. A fairly wide model range (0.8100 ILA to 1.62 ILA) leaves room in how you read the outcome. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual.
Key figures of Erech Finance Cahalacha Ltd
How large is the market capitalisation of Erech Finance Cahalacha Ltd (EFNC)?
The market capitalisation of Erech Finance Cahalacha Ltd is 7.2M ILA. 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 are the earnings per share of Erech Finance Cahalacha Ltd (EFNC)?
Earnings per share at Erech Finance Cahalacha Ltd are −9.97 ILA. Earnings per share over the last twelve months: total profit spread across every single share.
What is the return on equity of Erech Finance Cahalacha Ltd (EFNC)?
The return on equity (ROE) of Erech Finance Cahalacha Ltd is −153% (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 Erech Finance Cahalacha Ltd (EFNC)?
On an EBIT basis the return on assets of Erech Finance Cahalacha Ltd is −21.0% (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 Erech Finance Cahalacha Ltd (EFNC)?
The operating margin of Erech Finance Cahalacha Ltd is 131% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How much revenue does Erech Finance Cahalacha Ltd (EFNC) generate?
Erech Finance Cahalacha Ltd generates revenue of −10.9M ILA (last twelve months). Revenue of the last twelve months (TTM), the most recent full year, not the calendar year.
How fast is revenue growing at Erech Finance Cahalacha Ltd (EFNC)?
Revenue at Erech Finance Cahalacha Ltd is growing +46.7% versus a year earlier (3y avg −69.6%). 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 Erech Finance Cahalacha Ltd (EFNC)?
Earnings per share at Erech Finance Cahalacha Ltd are growing −94.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Erech Finance Cahalacha Ltd (EFNC) generate?
The free cash flow of Erech Finance Cahalacha Ltd is −2.2M ILA (fiscal year 2023). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Erech Finance Cahalacha Ltd (EFNC) carry?
The net debt of Erech Finance Cahalacha Ltd is 16.7M ILA (fiscal year 2023). 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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