IBI Inv House (IBI) fair value: what the stock is really worth
As of Nov 5, 2026: fair value (intrinsic value) of IBI Inv House stock ILS 279, price ILS 365, that is 23.7% below the price, quality 72 out of 100. Rating: overvalued. Calculated from audited financials with 13 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 6, 2026.
How to read this chart
60‑month range 49.06 ILS – 555.01 ILS · fair‑value band 120.14 ILS – 454.46 ILS · the 365.00 ILS price screens above the 278.65 ILS fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.
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I.B.I Investment House Ltd. is a publicly owned holding investment firm with approximately NIS 54 billion ($19.13 billion) in assets under management as of March 31, 2026. The firm provides its services to individuals and institutional clients.
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Through its subsidiaries, it provides securities trading and brokerage, financial consultancy, and investment management services. The firm manages investment portfolios, mutual fund, underwriting services, provident funds, and investments.
It was formerly known as Gachelet Investment Co. I.B.I Investment House Ltd. was founded in 1971 and is based in Tel Aviv, Israel.
Stock analysis
IBI Inv House (IBI) currently trades at 365.00 ILS, while our model-based Fair Value estimate is 278.65 ILS, 24% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of 396.09 ILS per share, and 2 of the 13 models we run sit above the 365.00 ILS price.
Bear case: the Economic Profit group reads lowest at 83.14 ILS, and 11 of the 13 models stay below the price. Data coverage for this calculation is high.
Scenario range: 120.14 ILS (bear) to 454.46 ILS (bull), the price of 365.00 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 72/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
IBI Inv House reported revenue of 1.5B ILS in FY2025 versus 549M ILS in FY2021, a compound +27.9%/yr. Reported net income was 175M ILS in FY2025, compounding +5.8%/yr from FY2021.
Key figures
Market cap 6.1B ILS Small · P/E ratio 19.8 · P/S ratio 2.91 · EPS (TTM) 18.48 ILS · Dividend yield 2.6% · Net margin 14.9% · Return on equity 33.5% · Return on assets (EBIT) 18.1% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 80 out of 100 (low confidence).
What moves the price
The share trades about 34% below its 52-week high and 61% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −16% fair-value upside, at −24%, IBI screens richer than that median.
Fair Value models
Bear120.14 ILSFair Value 278.65 ILSBull454.46 ILS
Price 365.00 ILS · Downside -23.7%
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 (15.80 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.100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+41.3%
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.
+30.5%
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.
+27.5%
Start year 2020 (pandemic). Over 10 years: +19.0% a year
Revenue growth 22 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.
+21.7%
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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.
+16.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+13.4%
Dividend (yield on the price)2.6%
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.13.4% vs 19.5%, slowing
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.28% → 25%
Pace: the 5-year rate starts in 2020 (pandemic)
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).
+11.1%
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 +8.9% 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.Asset Management · 588 stocks
Beats the industry median on 5/14 measures
Overall it trails its industry peers.
Valuation
Quality Score72 · Top 25%
Fair Value upside−23.7% · Bottom 25%
Profitability
Return on equity (12 months)33.5% · Top 25%
Return on assets11.8% · Top 25%
Net margin (12 months)21.8% · Below median
Operating margin (12 months)32.5% · Below median
Growth and dividend
Revenue growth (quarter YoY)37.4% · Top 25%
Dividend yield (12 months)2.6% · Below median
Balance sheet
Debt / equity0.05× · Below median
Valuation Multiplesvs Asset Management 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). "IBI Inv House Fair Value". https://www.fairvalue-calculator.com/stock/IBI
Frequently asked questions
Is IBI Inv House (IBI) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of 278.65 ILS versus a price of 365.00 ILS, about 24% lower (overvalued).
What is the fair value of IBI?
Our model-based fair value for IBI Inv House is 278.65 ILS (as of Nov 6, 2026), built from audited fundamentals. The current price: 365.00 ILS.
What is the quality score of IBI?
IBI Inv House has a Quality Score of 72/100. 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 IBI Inv House (IBI)?
Our model-based price target is the fair value of 278.65 ILS (as of Nov 6, 2026) from 13 valuation models. Cautious scenario 120.14 ILS, optimistic scenario 454.46 ILS. It is a calculation from audited fundamentals, not an analyst target.
What is the IBI Inv House stock forecast for 2026?
Our models put fair value at 278.65 ILS, about 24% lower versus a price of 365.00 ILS (overvalued). Cautious scenario 120.14 ILS, optimistic scenario 454.46 ILS. The calculation is refreshed regularly with new filings.
What is the revenue of IBI Inv House (IBI)?
IBI Inv House reported trailing-twelve-month revenue of about 1.8B ILS (latest available figure, as of Nov 6, 2026).
Does IBI Inv House pay a dividend?
IBI Inv House currently shows a dividend yield of 2.63% relative to its recent price (as of Nov 6, 2026).
How much is the dividend of IBI Inv House (IBI)?
IBI Inv House has a dividend yield of 2.6%.
What growth is priced into IBI Inv House (IBI)?
For today's price to be fair in a discounted-cash-flow model, IBI Inv House would have to grow free cash flow by +11.1 % per year for five years (discount rate 11.8 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +27.5 % per year. As of Nov 6, 2026.
What discount rate (WACC) does the fair value of IBI use?
Our models discount IBI Inv House at 11.8 %: a base by market capitalisation (small), damped by beta 0.62, 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 IBI Inv House that is +11.1 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (11.8 %) and the same formula as our fair value.
How much growth has IBI Inv House (IBI) delivered so far?
Over the past 5 years revenue at IBI Inv House grew +27.5 % a year. The price currently implies free-cash-flow growth of +11.1 % per 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 IBI Inv House (IBI) growing?
The median revenue growth in the sector is +9.2 % a year. That is the yardstick for the growth priced into IBI Inv House (+11.1 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of IBI Inv House (IBI)?
The free-cash-flow yield on the price is 5.52 %: that much free cash flow IBI Inv House produces per unit of market value. When it exceeds the discount rate of our models (11.8 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of IBI Inv House (IBI)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For IBI Inv House it is 278.65 ILS per share (as of Nov 6, 2026), against a price of 365.00 ILS. It is the blended result of 13 valuation models in 7 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit).
Is IBI Inv House stock overvalued or undervalued in 2026?
As of Nov 6, 2026, IBI trades above its calculated fair value: price 365.00 ILS, fair value 278.65 ILS, a gap of about −24% (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 IBI?
No. The price is what the market pays today (365.00 ILS); the fair value is what the company's own numbers justify (278.65 ILS). For IBI Inv House the two are 86.35 ILS per share apart. That gap is exactly why we show both numbers side by side.
How much is IBI Inv House worth?
The market values IBI Inv House at about 6.1B ILS (market capitalisation, as of Nov 6, 2026). Per share that is 365.00 ILS; our models calculate a fair value of 278.65 ILS per share.
What do the bullish and bearish scenarios say about IBI?
Our models span a range for IBI Inv House: cautious scenario 120.14 ILS, base 278.65 ILS, optimistic 454.46 ILS per share (as of Nov 6, 2026, price 365.00 ILS). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of IBI?
IBI Inv House trades at a price-to-earnings ratio of 19.8 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 278.65 ILS is built from several models across several years. Other multiples: P/B 6.6, P/S 5.0, EV/EBITDA 13.4.
How solid is the balance sheet of IBI Inv House (IBI)?
Balance-sheet figures for IBI Inv House (as of Nov 6, 2026): return on equity 33.5%, debt of 0.05 per unit of equity. They feed the Quality Score of 72/100, which measures business quality independently of the share price.
How far is IBI from its 52-week high?
IBI Inv House trades at 365.00 ILS, about 34% below its 52-week high of 555.01 ILS and 61% above the low of 227.34 ILS (as of Nov 5, 2026). Distance from the high says nothing about value: that is what the fair value of 278.65 ILS is for.
Which stocks are comparable to IBI Inv House?
From the same area (Financial Services) we also value Blackstone Inc, Brookfield Asset Management Ltd, KKR & Co, Apollo Global Management, Inc, 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 IBI Inv House stock attractive at the current price?
The data as of Nov 6, 2026: price 365.00 ILS, calculated fair value 278.65 ILS (−24%), Quality Score 72/100, from 13 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 IBI calculated?
We run IBI Inv House through 13 models from 7 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit. Every model gets the same audited fundamentals; the fair value of 278.65 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 13.0% above its aggregate fair value. IBI Inv House 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 IBI Inv House (IBI)?
The closing price on Nov 5, 2026 was 365.00 ILS. Our model-based fair value is 278.65 ILS, about 24% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with IBI Inv House right now?
The model range is unusually wide (120.14 ILS to 454.46 ILS). The outcome hinges heavily on assumptions, so read the point estimate with caution. Solid but not exceptional quality (72/100) and above fair value, neither a clear bargain nor a standout compounder. 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 IBI Inv House (IBI) come from?
Earnings per share at IBI Inv House grew +22.5 % a year from 2014 to 2025. Broken into its drivers: revenue per share +16.9 %, EBIT margin +8.4 %, tax rate −0.9 %, residual (interest, one-offs) −2.4 %. 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 IBI Inv House
How large is the market capitalisation of IBI Inv House (IBI)?
The market capitalisation of IBI Inv House is 6.1B 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 IBI Inv House (IBI)?
The price-to-sales ratio of IBI Inv House is 2.91 (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 IBI Inv House (IBI)?
Earnings per share at IBI Inv House are 18.48 ILS (price ÷ EPS = P/E 19.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of IBI Inv House (IBI)?
The dividend yield of IBI Inv House is 2.6% (payout 52.0%). 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 IBI Inv House (IBI)?
The net margin of IBI Inv House is 14.9% (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 IBI Inv House (IBI)?
The return on equity (ROE) of IBI Inv House is 33.5% (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 IBI Inv House (IBI)?
On an EBIT basis the return on assets of IBI Inv House is 18.1% (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 IBI Inv House (IBI)?
The operating margin of IBI Inv House is 32.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at IBI Inv House (IBI)?
Revenue at IBI Inv House is growing +37.4% versus a year earlier (3y avg +30.5%). 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 IBI Inv House (IBI)?
Earnings per share at IBI Inv House are growing +75.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does IBI Inv House (IBI) carry?
The net debt of IBI Inv House is 72.2M ILS (fiscal year 2025, ≈ 0.2 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 6, 2026