IDI Insurance Company Ltd (IDIN) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of IDI Insurance Company Ltd ILS 200, price ILS 248, upside -19.3%, quality 74 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 54.70 ILA – 274.00 ILA · fair‑value band 124.17 ILA – 249.64 ILA · the 247.50 ILA price screens above the 199.71 ILA fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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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.
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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.
Stock analysis
IDI Insurance Company Ltd (IDIN) currently trades at 247.50 ILA, while our model-based Fair Value estimate is 199.71 ILA, implying the stock looks roughly 23.9% overvalued today.
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Valuation
Bull case: the Dividend Discount group reads highest at a median of 203.23 ILA per share, and 1 of the 6 models we run sit above the 247.50 ILA price.
Bear case: the Asset-Based group reads lowest at 57.40 ILA, and 5 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: 124.17 ILA (bear) to 249.64 ILA (bull), the price of 247.50 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 74/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
IDI Insurance Company Ltd reported revenue of 4.0B ILS in FY2025 versus 2.2B ILS in FY2021, a compound +16.9%/yr. Reported net income was 357M ILS in FY2025, compounding +15.4%/yr from FY2021.
Key figures
Market cap 3.7B ILA · P/E ratio 10.0 · P/S ratio 0.89 · EPS (TTM) 24.66 ILA · Dividend yield 7.1% · Net margin 8.8% · Return on equity 30.0% · Return on assets (EBIT) 4.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 51 out of 100 (low confidence).
What moves the price
The share trades about 10% below its 52-week high and 40% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −23% fair-value upside, at −19%, IDIN screens cheaper than that median.
Fair Value models
Bear 124.17 ILAFair Value 199.71 ILABull 249.64 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 (5.17 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.95/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+15.0%
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.
+22.5%
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.
+13.7%
Start year 2020 (pandemic). Over 10 years: +8.9% a year
Revenue growth 18 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.
+9.4%
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What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘ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. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+18.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+11.3%
Dividend (yield on the price)7.1%
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.12% vs 8%, 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.15% → 14%
2025 sits 154% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Start year 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).
−13.4%
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 −15.2% a year for the price.
Compare IDI Insurance Company Ltd with another stock
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.Insurance - Diversified · 83 stocks
Beats the industry median on 12/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score69 · Top 25%
Fair Value upside−19% · Above median
Profitability
Return on equity (TTM)30% · Top 25%
Return on assets6% · Top 25%
Net margin (TTM)10% · Above median
Operating margin (TTM)18% · Top 25%
Growth and dividend
Revenue growth−1% · Below median
Dividend yield (TTM)7.1% · Top 25%
Balance sheet
Debt / equity0.55× · Highest 25%
Valuation Multiplesvs Insurance - Diversified median · lower = cheaper
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Cite: Fair Value Calculator (2026). "IDI Insurance Company Ltd Fair Value". https://www.fairvalue-calculator.com/stock/IDIN
Frequently asked questions
Is IDI Insurance Company Ltd (IDIN) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 199.71 ILA versus a price of 247.50 ILA, about −19% upside (overvalued).
What is the fair value of IDIN?
Our model-based fair value for IDI Insurance Company Ltd is 199.71 ILA (as of Sep 24, 2026), built from audited fundamentals. The current price: 247.50 ILA.
What is the quality score of IDIN?
IDI Insurance Company Ltd 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 price target for IDI Insurance Company Ltd (IDIN)?
Our model-based price target is the fair value of 199.71 ILA (as of Sep 24, 2026) from 6 valuation models. Cautious scenario 124.17 ILA, optimistic scenario 249.64 ILA. It is a calculation from audited fundamentals, not an analyst target.
What is the IDI Insurance Company Ltd stock forecast for 2026?
Our models put fair value at 199.71 ILA, about −19% upside versus a price of 247.50 ILA (overvalued). Cautious scenario 124.17 ILA, optimistic scenario 249.64 ILA. The calculation is refreshed regularly with new filings.
What is the revenue of IDI Insurance Company Ltd (IDIN)?
IDI Insurance Company Ltd reported trailing-twelve-month revenue of about 3.7B ILS (latest available figure, as of Sep 24, 2026).
Does IDI Insurance Company Ltd pay a dividend?
IDI Insurance Company Ltd currently shows a dividend yield of about 7.11% relative to its recent price (as of Sep 24, 2026).
What growth is priced into IDI Insurance Company Ltd (IDIN)?
For today's price to be fair in a discounted-cash-flow model, IDI Insurance Company Ltd would have to grow free cash flow by -13.4 % per year for five years (discount rate 11.6 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +13.8 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of IDIN use?
Our models discount IDI Insurance Company Ltd at 11.6 %: a base by market capitalisation (small), damped by beta 0.14, 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 IDI Insurance Company Ltd that is -13.4 % per year a year over ten years, using the same discount rate (11.6 %) and the same formula as our fair value.
How much growth has IDI Insurance Company Ltd (IDIN) delivered so far?
Over the past 5 years revenue at IDI Insurance Company Ltd grew +13.8 % a year. The price currently implies -13.4 % 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 IDI Insurance Company Ltd (IDIN) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into IDI Insurance Company Ltd (-13.4 % 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 IDI Insurance Company Ltd (IDIN)?
The free-cash-flow yield on the price is 23.60 %: that much free cash flow IDI Insurance Company Ltd produces per unit of market value. When it exceeds the discount rate of our models (11.6 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of IDI Insurance Company Ltd (IDIN)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For IDI Insurance Company Ltd it is 199.71 ILA per share (as of Sep 24, 2026), against a price of 247.50 ILA. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is IDI Insurance Company Ltd stock overvalued or undervalued in 2026?
As of Sep 24, 2026, IDIN trades above its calculated fair value: price 247.50 ILA, fair value 199.71 ILA, a gap of about −19% (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 IDIN?
No. The price is what the market pays today (247.50 ILA); the fair value is what the company's own numbers justify (199.71 ILA). For IDI Insurance Company Ltd the two are 47.79 ILA per share apart. That gap is exactly why we show both numbers side by side.
How much is IDI Insurance Company Ltd worth?
The market values IDI Insurance Company Ltd at about 3.7B ILA (market capitalisation, as of Sep 24, 2026). Per share that is 247.50 ILA; our models calculate a fair value of 199.71 ILA per share.
What do the bullish and bearish scenarios say about IDIN?
Our models span a range for IDI Insurance Company Ltd: cautious scenario 124.17 ILA, base 199.71 ILA, optimistic 249.64 ILA per share (as of Sep 24, 2026, price 247.50 ILA). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of IDIN?
IDI Insurance Company Ltd trades at a price-to-earnings ratio of 10.0 (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 199.71 ILA is built from several models across several years. Other multiples: P/B 1.0, P/S 0.3, EV/EBITDA 2.6.
How solid is the balance sheet of IDI Insurance Company Ltd (IDIN)?
Balance-sheet figures for IDI Insurance Company Ltd (as of Sep 24, 2026): return on equity 30.0%, debt of 0.55 per unit of equity. They feed the Quality Score of 74/100, which measures business quality independently of the share price.
How far is IDIN from its 52-week high?
IDI Insurance Company Ltd trades at 247.50 ILA, about 10% below its 52-week high of 274.00 ILA and 40% above the low of 176.77 ILA (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of 199.71 ILA is for.
Which stocks are comparable to IDI Insurance Company Ltd?
From the same area (Financial Services) we also value Allianz SE, Zurich Insurance Group, AXA SA, Assicurazioni Generali S.p.A, 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 IDI Insurance Company Ltd stock attractive at the current price?
The data as of Sep 24, 2026: price 247.50 ILA, calculated fair value 199.71 ILA (−19%), Quality Score 74/100, 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 IDIN calculated?
We run IDI Insurance Company 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 199.71 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. IDI Insurance Company 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 IDI Insurance Company Ltd (IDIN)?
The closing price on Sep 23, 2026 was 247.50 ILA. Our model-based fair value is 199.71 ILA, about −19% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with IDI Insurance Company Ltd right now?
A high-quality business (quality 74/100), yet the market already pays well above fair value. Quality at a full price, with little margin of safety. A fairly wide model range (124.17 ILA to 249.64 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.
Where does the earnings growth of IDI Insurance Company Ltd (IDIN) come from?
Earnings per share at IDI Insurance Company Ltd grew +6.3 % a year from 2014 to 2025. Broken into its drivers: revenue per share +7.4 %, EBIT margin −1.4 %, tax rate +0.4 %, residual (interest, one-offs) +0.0 %. 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 IDI Insurance Company Ltd
How large is the market capitalisation of IDI Insurance Company Ltd (IDIN)?
The market capitalisation of IDI Insurance Company Ltd is 3.7B 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 IDI Insurance Company Ltd (IDIN)?
The price-to-sales ratio of IDI Insurance Company Ltd is 0.89 (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 IDI Insurance Company Ltd (IDIN)?
Earnings per share at IDI Insurance Company Ltd are 24.66 ILA (price ÷ EPS = P/E 10.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of IDI Insurance Company Ltd (IDIN)?
The dividend yield of IDI Insurance Company Ltd is 7.1% (payout 71.3%). 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 IDI Insurance Company Ltd (IDIN)?
The net margin of IDI Insurance Company Ltd is 8.8% (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 IDI Insurance Company Ltd (IDIN)?
The return on equity (ROE) of IDI Insurance Company Ltd is 30.0% (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 IDI Insurance Company Ltd (IDIN)?
On an EBIT basis the return on assets of IDI Insurance Company Ltd is 4.7% (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 IDI Insurance Company Ltd (IDIN)?
The operating margin of IDI Insurance Company Ltd is 18.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at IDI Insurance Company Ltd (IDIN)?
Revenue at IDI Insurance Company Ltd is growing −1.0% versus a year earlier (3y avg +22.5%). 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 IDI Insurance Company Ltd (IDIN)?
Earnings per share at IDI Insurance Company Ltd are growing +8.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does IDI Insurance Company Ltd (IDIN) carry?
The net debt of IDI Insurance Company Ltd is 524M ILA (fiscal year 2025, ≈ 0.6 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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