FIBI Holdings Ltd (FIBIH) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of FIBI Holdings Ltd ILS 267, price ILS 300, upside -11.1%, quality 56 out of 100. 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, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range 77.02 ILA – 367.20 ILA · fair‑value band 197.24 ILA – 414.00 ILA · the 299.90 ILA price screens above the 266.67 ILA fair value. Dashed = 300-day average. As of Sep 24, 2026.
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F.I.B.I. Holdings Ltd operates as the holding company for The First International Bank of Israel Ltd. that provides various banking products and services in Israel.
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F.I.B.I. Holdings Ltd operates as the holding company for The First International Bank of Israel Ltd. that provides various banking products and services in Israel. The company offers deposits and savings, including standing order savings, child savings, structured, options and plans, and short- and long-term deposits; mortgages; refinancing; and credit cards. It also provides business banking services, such as provision of financial and banking guidance and support for companies and corporations. In addition, the company engages in managing investment portfolios; personal consultancy; and provision of commercial banking, and foreign exchange dealing and forex services. Further, it offers capital market services comprising investment advisory, trading in securities, foreign exchange trading, and trading systems; factoring services; and platinum, private, mobile, and online banking services. F.I.B.I. Holdings Ltd was incorporated in 1972 and is based in Tel Aviv-Yafo, Israel.
Stock analysis
FIBI Holdings Ltd (FIBIH) currently trades at 299.90 ILA, while our model-based Fair Value estimate is 266.67 ILA, implying the stock looks roughly 12.5% overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 279.15 ILA per share, and 2 of the 6 models we run sit above the 299.90 ILA price.
Bear case: the Asset-Based group reads lowest at 133.59 ILA, and 4 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: 197.24 ILA (bear) to 414.00 ILA (bull), the price of 299.90 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 56/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
FIBI Holdings Ltd reported revenue of 13.9B ILS in FY2025 versus 4.9B ILS in FY2021, a compound +29.7%/yr. Reported net income was 1.1B ILS in FY2025, compounding +12.7%/yr from FY2021.
Key figures
Market cap 10.6B ILA · P/E ratio 10.3 · P/S ratio 0.81 · EPS (TTM) 29.17 ILA · Dividend yield 4.4% · Net margin 7.9% · Return on equity 15.5% · Return on assets (EBIT) 1.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 18% below its 52-week high and 28% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at −11%, FIBIH screens cheaper than that median.
Fair Value models
Bear 197.24 ILAFair Value 266.67 ILABull 414.00 ILA
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. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (11.74 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.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.100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+6.0%
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.
+27.1%
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.
+25.8%
Start year 2020 (pandemic). Over 10 years: +13.8% a year
Revenue growth 12 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.
+11.5%
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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.
+25.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+21.3%
Dividend (yield on the price)4.4%
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.21% vs 18%, picking up
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.26% → 27%
Start year 2020 (pandemic)
Growth Forecast
Little optimism in the price
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).
less than -40 %
Yearly growth needed for the next five years to justify today's 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.Banks - Regional · 1074 stocks
Beats the industry median on 9/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score66 · Top 25%
Fair Value upside−11% · Above median
Profitability
Return on equity (TTM)15% · Top 25%
Return on assets1% · Below median
Net margin (TTM)16% · Bottom 25%
Operating margin (TTM)53% · Top 25%
Growth and dividend
Revenue growth−2% · Bottom 25%
Dividend yield (TTM)4.4% · Top 25%
Balance sheet
Debt / equity0.71× · Above median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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Is FIBI Holdings Ltd (FIBIH) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 266.67 ILA versus a price of 299.90 ILA, about −11% upside (overvalued).
What is the fair value of FIBIH?
Our model-based fair value for FIBI Holdings Ltd is 266.67 ILA (as of Sep 24, 2026), built from audited fundamentals. The current price: 299.90 ILA.
What is the quality score of FIBIH?
FIBI Holdings Ltd has a Quality Score of 56/100. 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 FIBI Holdings Ltd (FIBIH)?
Our model-based price target is the fair value of 266.67 ILA (as of Sep 24, 2026) from 6 valuation models. Cautious scenario 197.24 ILA, optimistic scenario 414.00 ILA. It is a calculation from audited fundamentals, not an analyst target.
What is the FIBI Holdings Ltd stock forecast for 2026?
Our models put fair value at 266.67 ILA, about −11% upside versus a price of 299.90 ILA (overvalued). Cautious scenario 197.24 ILA, optimistic scenario 414.00 ILA. The calculation is refreshed regularly with new filings.
What is the revenue of FIBI Holdings Ltd (FIBIH)?
FIBI Holdings Ltd reported trailing-twelve-month revenue of about 6.9B ILS (latest available figure, as of Sep 24, 2026).
Does FIBI Holdings Ltd pay a dividend?
FIBI Holdings Ltd currently shows a dividend yield of about 4.37% relative to its recent price (as of Sep 24, 2026).
What growth is priced into FIBI Holdings Ltd (FIBIH)?
For today's price to be fair in a discounted-cash-flow model, FIBI Holdings Ltd would have to grow free cash flow by less than minus 40 % per year for five years (discount rate 9.7 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +25.8 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of FIBIH use?
Our models discount FIBI Holdings Ltd at 9.7 %: a base by market capitalisation (large), damped by beta 0.33, 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 FIBI Holdings Ltd that is less than minus 40 % per year a year over ten years, using the same discount rate (9.7 %) and the same formula as our fair value.
How much growth has FIBI Holdings Ltd (FIBIH) delivered so far?
Over the past 5 years revenue at FIBI Holdings Ltd grew +25.8 % a year. The price currently implies less than minus 40 % 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 FIBI Holdings Ltd (FIBIH) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into FIBI Holdings Ltd (less than minus 40 % 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 FIBI Holdings Ltd (FIBIH)?
The free-cash-flow yield on the price is 27.85 %: that much free cash flow FIBI Holdings Ltd produces per unit of market value. When it exceeds the discount rate of our models (9.7 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of FIBI Holdings Ltd (FIBIH)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For FIBI Holdings Ltd it is 266.67 ILA per share (as of Sep 24, 2026), against a price of 299.90 ILA. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is FIBI Holdings Ltd stock overvalued or undervalued in 2026?
As of Sep 24, 2026, FIBIH trades above its calculated fair value: price 299.90 ILA, fair value 266.67 ILA, a gap of about −11% (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 FIBIH?
No. The price is what the market pays today (299.90 ILA); the fair value is what the company's own numbers justify (266.67 ILA). For FIBI Holdings Ltd the two are 33.23 ILA per share apart. That gap is exactly why we show both numbers side by side.
How much is FIBI Holdings Ltd worth?
The market values FIBI Holdings Ltd at about 10.6B ILA (market capitalisation, as of Sep 24, 2026). Per share that is 299.90 ILA; our models calculate a fair value of 266.67 ILA per share.
What do the bullish and bearish scenarios say about FIBIH?
Our models span a range for FIBI Holdings Ltd: cautious scenario 197.24 ILA, base 266.67 ILA, optimistic 414.00 ILA per share (as of Sep 24, 2026, price 299.90 ILA). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of FIBIH?
FIBI Holdings Ltd trades at a price-to-earnings ratio of 10.3 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 266.67 ILA is built from several models across several years. Other multiples: P/B 0.5, P/S 0.5.
How solid is the balance sheet of FIBI Holdings Ltd (FIBIH)?
Balance-sheet figures for FIBI Holdings Ltd (as of Sep 24, 2026): return on equity 15.5%, debt of 0.71 per unit of equity. They feed the Quality Score of 56/100, which measures business quality independently of the share price.
How far is FIBIH from its 52-week high?
FIBI Holdings Ltd trades at 299.90 ILA, about 18% below its 52-week high of 367.20 ILA and 28% above the low of 233.67 ILA (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of 266.67 ILA is for.
Which stocks are comparable to FIBI Holdings Ltd?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, 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 FIBI Holdings Ltd stock attractive at the current price?
The data as of Sep 24, 2026: price 299.90 ILA, calculated fair value 266.67 ILA (−11%), Quality Score 56/100, from 6 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 FIBIH calculated?
We run FIBI Holdings Ltd through 6 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 266.67 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 14.1 % above its aggregate fair value. FIBI Holdings 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 FIBI Holdings Ltd (FIBIH)?
The closing price on Sep 23, 2026 was 299.90 ILA. Our model-based fair value is 266.67 ILA, about −11% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with FIBI Holdings Ltd right now?
A fairly wide model range (197.24 ILA to 414.00 ILA) leaves room in how you read the outcome. 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 FIBI Holdings Ltd
How large is the market capitalisation of FIBI Holdings Ltd (FIBIH)?
The market capitalisation of FIBI Holdings Ltd is 10.6B 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 is the P/S ratio of FIBI Holdings Ltd (FIBIH)?
The price-to-sales ratio of FIBI Holdings Ltd is 0.81 (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 FIBI Holdings Ltd (FIBIH)?
Earnings per share at FIBI Holdings Ltd are 29.17 ILA (price ÷ EPS = P/E 10.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of FIBI Holdings Ltd (FIBIH)?
The dividend yield of FIBI Holdings Ltd is 4.4% (payout 45.0%). 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 FIBI Holdings Ltd (FIBIH)?
The net margin of FIBI Holdings Ltd is 7.9% (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 return on equity of FIBI Holdings Ltd (FIBIH)?
The return on equity (ROE) of FIBI Holdings Ltd is 15.5% (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 FIBI Holdings Ltd (FIBIH)?
On an EBIT basis the return on assets of FIBI Holdings Ltd is 1.4% (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 FIBI Holdings Ltd (FIBIH)?
The operating margin of FIBI Holdings Ltd is 52.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at FIBI Holdings Ltd (FIBIH)?
Revenue at FIBI Holdings Ltd is growing −1.8% versus a year earlier (3y avg +27.1%). 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 FIBI Holdings Ltd (FIBIH)?
Earnings per share at FIBI Holdings Ltd are growing −9.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does FIBI Holdings Ltd (FIBIH) hold?
FIBI Holdings Ltd holds more cash than debt, 65.4B ILA net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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