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I.D.I. Insurance Company (IDIN) Fair Value & Analysis

Financial Services · Il · Market cap 3.7B ILA

ID I.D.I. Insurance Company IDIN · TA
Price247.40 ILA
Fair Value313.79 ILA
Upside+26.8%
Quality74/100
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Healthy Growth
Thin margins · 9.8% net margin
Moderate debt · generates free cash flow
0.07% dividend yield
Ranks above peers (11/14)
Wide moat 66/100
Evidence: High Range 235.34 ILA – 392.23 ILA Share as image

Fair value as of: Jul 15, 2026

From 6 valuation models · updated 25 days ago

Share price −3.0% over the past month.

A solid business, screening 27% undervalued on our models.

What matters now

  • The rarer combination: high quality (74/100) AND below fair value. That earns a closer look rather than a quick verdict.
  • For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
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Price vs Fair Value (5 years)

268.50 ILA 56.27 ILA Fair Value 313.79 ILA Mar 2021 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 15, 2026.

How to read this chart

60‑month range 56.27 ILA – 268.50 ILA · fair‑value band 235.34 ILA – 392.23 ILA · the 247.40 ILA price screens below the 313.79 ILA fair value. Dashed = 300-day average. As of Jul 15, 2026.

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Analysis

I.D.I. Insurance Company (IDIN) currently trades at 247.40 ILA, while our model-based Fair Value estimate is 313.79 ILA, implying the stock looks roughly 26.8% undervalued today. The Quality Score stands at 74/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.

Over the trailing twelve months, I.D.I. Insurance Company generated revenue of 3.7B ILA at a net margin of 9.6%. Revenue grew 4.5% year over year. It earns a return on equity of 29.9%. Net debt stands at 524M ILA. Fundamentals as of Jul 15, 2026

Our scenario range runs from 235.34 ILA (bear case) to 392.23 ILA (bull case); at 247.40 ILA, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. For context, the median of 10 Financial Services peers we cover trades at -12% fair-value upside, at 27%, IDIN screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Model BearBaseBull Evidence
Highest evidence
Residual Income 142.90 ILA 175.85 ILA 618.46 ILA 76
Gordon GGM 139.57 ILA 278.10 ILA 421.12 ILA 70
P/E Multiple 235.34 ILA 313.79 ILA 392.23 ILA 63
All 6 models by family
Dividend Discount
Gordon GGM 139.57 ILA 278.10 ILA 421.12 ILA 70
DDM Multi-Stage 139.57 ILA 240.34 ILA 293.55 ILA 61
Multiples
P/E Multiple 235.34 ILA 313.79 ILA 392.23 ILA 63
P/B Multiple 89.96 ILA 119.95 ILA 149.93 ILA 55
Asset-Based
NCAV (Graham) 42.84 ILA 57.40 ILA 85.68 ILA 50
Economic Profit
Residual Income 142.90 ILA 175.85 ILA 618.46 ILA 76

Widest divergence: Dividend Discount (240.34 ILA) versus Asset-Based (57.40 ILA). Highest evidence: Residual Income (76).

Key figures & financial health

Revenue (TTM) 3.7B ILA
Revenue growth (YoY) -1.0%
Net margin 9.8%
Return on equity 30.0%
Free cash flow 864M ILA FY2025
P/E ratio 10.0
More key figures
Operating margin 18.1%
EPS (TTM) 24.66 ILA
Dividend yield 0.1%
EPS growth (YoY) +8.5%
Net debt 524M ILA FY2025

Figures from reported company fundamentals · as of Jul 15, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 74/100

Of which business quality 64 · Market factors (momentum, volatility) 67

Profitability 64
Margins and returns on capital today
Quality Growth 82
Are margins and returns improving?
Cashflow 91
Earnings quality: real cash, not paper profit
Fin. Strength 13
Balance sheet, leverage, solvency risk
Investment 72
Disciplined investing over empire-building
Low Volatility 73
Calm price path (market factor)
Momentum 58
Price trend over the last 3–12 months (market factor)
52W Momentum 75
Distance to the 52-week high (market factor)
Net Issuance 79
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

About the company

I.D.I. Insurance Company Ltd. provides insurance products and services to individuals and corporate customers in Israel. It operates through General Insurance, Health Insurance, and Life Insurance and Long-Term Savings segments. The company offers death, disability, accidental, and other insurance, as well as savings.

Full company description

I.D.I. Insurance Company Ltd. provides insurance products and services to individuals and corporate customers in Israel. It operates through General Insurance, Health Insurance, and Life Insurance and Long-Term Savings segments. The company offers death, disability, accidental, and other insurance, as well as savings. It also provides insurance for medical expenses, personal accidents, serious illnesses, and travel. In addition, it offers vehicle liability and property insurance, as well as home and mortgage insurance. The company was incorporated in 2006 and is headquartered in Petah Tikva, Israel.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

I.D.I. Insurance Company reported revenue of 4.0B ILA in FY2025 versus 2.2B ILA in FY2021, a compound +16.9%/yr. Reported net income was 357M ILA in FY2025, compounding +15.4%/yr from FY2021.

Growth Quality 95/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Latest Revenue (FY 2025)
4.0B ILS
Latest YoY
+15.0%
Avg. growth/yr (3Y)
+22.5%
Avg. growth/yr (5Y)
+13.7%
Avg. growth/yr (18Y)
+9.4%
Revenue +16.9%/yr
FY21 2.2B ILA
FY22 2.2B ILA
FY23 2.7B ILA
FY24 3.5B ILA
FY25 4.0B ILA
Net income +15.4%/yr
FY21 201M ILA
FY22 84.4M ILA
FY23 139M ILA
FY24 257M ILA
FY25 357M ILA

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Cite: Fair Value Calculator (2026). "I.D.I. Insurance Company Fair Value". https://www.fairvalue-calculator.com/stock/IDIN

Peer Group

Insurance - Diversified · 84 stocks

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.

Quality Score 69 · Top 25%
Fair Value upside +27% · Above median
Return on equity (TTM) 30% · Top 25%
Return on assets 6% · Top 25%
Net margin (TTM) 10% · Above median
Operating margin (TTM) 18% · Top 25%
Revenue growth -1% · Below median
Dividend yield (TTM) 0.1% · Below median
Debt / equity 0.55× · Higher than 75% of peers

Valuation Multiples vs Insurance - Diversified median · lower = cheaper

P/E (TTM) 10.0× · Cheaper than median
P/B 0.94× · Cheaper than median
P/S (TTM) 0.32× · Cheaper than 75% of peers
P/FCF 1.4× · Cheaper than median
EV/EBITDA 2.6× · Cheaper than 75% of peers

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 69 · sector 44
FUTURE 0 · sector 31
PAST 100 · sector 49
HEALTH 73 · sector 89
DIVIDEND 1 · sector 45

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Insurance - Diversified stocks, each showing price versus our Fair Value estimate (as of Jul 15, 2026).

Stock Price Fair Value vs Fair Value
Berkshire Hathaway Inc BRKB 8,562 MXN 10,844 MXN +27%
Allianz SE ALV €421.00 €369.31 -12%
Zurich Insurance Group ZURN CHF 624.40 CHF 619.80 -1%
AXA SA AXAN 888.28 MXN 1,249 MXN +41%
Assicurazioni Generali S.p.A G €42.90 €12.18 -72%
Sun Life Financial Inc SLF C$114.20 C$87.83 -23%
BB Seguridade Participações S.A BBSE3 R$40.71 R$60.39 +48%
Tryg A/S TRYG kr 154.00 kr 116.45 -24%
PT Sinar Mas Multiartha Tbk SMMA 20,625 IDR 4,176 IDR -80%
Caixa Seguridade Participações S.A CXSE3 R$21.77 R$18.60 -15%

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Frequently asked questions

Is I.D.I. Insurance Company (IDIN) overvalued or undervalued?
As of Jul 15, 2026, our model estimates a fair value of 313.79 ILA versus a price of 247.40 ILA, about +27% (undervalued).
What is the fair value of IDIN?
Our model-based fair value for I.D.I. Insurance Company is 313.79 ILA (as of Jul 15, 2026), built from audited fundamentals. The current price is 247.40 ILA.
What is the quality score of IDIN?
I.D.I. Insurance Company has a Quality Score of 74/100. 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 revenue of I.D.I. Insurance Company (IDIN)?
I.D.I. Insurance Company reported trailing-twelve-month revenue of about 3.7B ILS (latest available figure, as of Jul 15, 2026).
What is the net profit margin of IDIN?
The net profit margin of I.D.I. Insurance Company is about 9.6%, meaning it keeps roughly 9.6% of revenue as net income. Based on the latest reported figures.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.

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