Jacob Finance And Investments Ltd (JCFN) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Jacob Finance And Investments Ltd ILS 55.38, price ILS 27.29, upside +102.9%, quality 61 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
54‑month range 8.15 ILA – 36.20 ILA · fair‑value band 32.03 ILA – 89.76 ILA · the 27.29 ILA price screens below the 55.38 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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Jacob Finance and Investments Ltd provides non-bank financing for businesses in Israel. It offers non-bank credit against third-party deferred relays and self-delivered deferred relays; and credit solutions, including bridging loans, import and equipment financing, and working capital financing.
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Jacob Finance and Investments Ltd provides non-bank financing for businesses in Israel. It offers non-bank credit against third-party deferred relays and self-delivered deferred relays; and credit solutions, including bridging loans, import and equipment financing, and working capital financing. The company was incorporated in 2009 and is based in Tel Aviv-Yafo, Israel.
Stock analysis
Jacob Finance And Investments Ltd (JCFN) currently trades at 27.29 ILA, while our model-based Fair Value estimate is 55.38 ILA, implying the stock looks roughly 50.7% undervalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of 116.12 ILA per share, and 8 of the 11 models we run sit above the 27.29 ILA price.
Bear case: the Asset-Based group reads lowest at 12.25 ILA, and 3 of the 11 models stay below the price. Evidence for this calculation is high.
Scenario range: 32.03 ILA (bear) to 89.76 ILA (bull), the price of 27.29 ILA sits below 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 61/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Jacob Finance And Investments Ltd reported revenue of 228M ILS in FY2025 versus 48.6M ILS in FY2021, a compound +47.1%/yr. Reported net income was 82.5M ILS in FY2025, compounding +35.7%/yr from FY2021.
Key figures
Market cap 671M ILA · P/E ratio 8.0 · P/S ratio 2.88 · EPS (TTM) 3.43 ILA · Dividend yield 1.6% · Net margin 36.2% · Return on equity 19.4% · Return on assets (EBIT) 4.5%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 53 out of 100 (low confidence).
What moves the price
The share trades about 23% below its 52-week high and 4% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −32% fair-value upside, at 103%, JCFN screens cheaper than that median.
Fair Value models
Bear 32.03 ILAFair Value 55.38 ILABull 89.76 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 (2.19 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
+31.0%
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.
+27.8%
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.
+209.4%
Start year 2020 (pandemic)
’20
’21
’22
’23
’24
’25
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.
+29.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year+27.7%
Dividend (yield on the price)1.6%
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.−134% → 95%
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).
+1.6%
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 −0.5% a year for the price.
Compare Jacob Finance And Investments Ltd with another stock
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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.Credit Services · 331 stocks
Beats the industry median on 11/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score56 · Above median
Fair Value upside+100% · Top 25%
Profitability
Return on equity (TTM)19% · Top 25%
Return on assets3% · Above median
Net margin (TTM)70% · Top 25%
Operating margin (TTM)92% · Top 25%
Growth and dividend
Revenue growth12% · Above median
Dividend yield (TTM)1.6% · Below median
Valuation Multiplesvs Credit Services 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). "Jacob Finance And Investments Ltd Fair Value". https://www.fairvalue-calculator.com/stock/JCFN
Frequently asked questions
Is Jacob Finance And Investments Ltd (JCFN) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 55.38 ILA versus a price of 27.29 ILA, about +103% upside (undervalued).
What is the fair value of JCFN?
Our model-based fair value for Jacob Finance And Investments Ltd is 55.38 ILA (as of Sep 24, 2026), built from audited fundamentals. The current price: 27.29 ILA.
What is the quality score of JCFN?
Jacob Finance And Investments Ltd has a Quality Score of 61/100. 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 Jacob Finance And Investments Ltd (JCFN)?
Our model-based price target is the fair value of 55.38 ILA (as of Sep 24, 2026) from 11 valuation models. Cautious scenario 32.03 ILA, optimistic scenario 89.76 ILA. It is a calculation from audited fundamentals, not an analyst target.
What is the Jacob Finance And Investments Ltd stock forecast for 2026?
Our models put fair value at 55.38 ILA, about +103% upside versus a price of 27.29 ILA (undervalued). Cautious scenario 32.03 ILA, optimistic scenario 89.76 ILA. The calculation is refreshed regularly with new filings.
What is the revenue of Jacob Finance And Investments Ltd (JCFN)?
Jacob Finance And Investments Ltd reported trailing-twelve-month revenue of about 125M ILS (latest available figure, as of Sep 24, 2026).
Does Jacob Finance And Investments Ltd pay a dividend?
Jacob Finance And Investments Ltd currently shows a dividend yield of about 1.64% relative to its recent price (as of Sep 24, 2026).
What growth is priced into Jacob Finance And Investments Ltd (JCFN)?
For today's price to be fair in a discounted-cash-flow model, Jacob Finance And Investments Ltd would have to grow free cash flow by +1.6 % per year for five years (discount rate 14.1 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +209.4 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of JCFN use?
Our models discount Jacob Finance And Investments Ltd at 14.1 %: a base by market capitalisation (micro), damped by beta 0.88, 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 Jacob Finance And Investments Ltd that is +1.6 % per year a year over ten years, using the same discount rate (14.1 %) and the same formula as our fair value.
How much growth has Jacob Finance And Investments Ltd (JCFN) delivered so far?
Over the past 5 years revenue at Jacob Finance And Investments Ltd grew +209.4 % a year. The price currently implies +1.6 % 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 Jacob Finance And Investments Ltd (JCFN) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into Jacob Finance And Investments Ltd (+1.6 % 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 Jacob Finance And Investments Ltd (JCFN)?
The free-cash-flow yield on the price is 12.12 %: that much free cash flow Jacob Finance And Investments Ltd produces per unit of market value. When it exceeds the discount rate of our models (14.1 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Jacob Finance And Investments Ltd (JCFN)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Jacob Finance And Investments Ltd it is 55.38 ILA per share (as of Sep 24, 2026), against a price of 27.29 ILA. It is the blended result of 11 valuation models (cash flow, earnings, asset, dividend).
Is Jacob Finance And Investments Ltd stock overvalued or undervalued in 2026?
As of Sep 24, 2026, JCFN trades below its calculated fair value: price 27.29 ILA, fair value 55.38 ILA, a gap of about +103% (undervalued). 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 JCFN?
No. The price is what the market pays today (27.29 ILA); the fair value is what the company's own numbers justify (55.38 ILA). For Jacob Finance And Investments Ltd the two are 28.09 ILA per share apart. That gap is exactly why we show both numbers side by side.
How much is Jacob Finance And Investments Ltd worth?
The market values Jacob Finance And Investments Ltd at about 671M ILA (market capitalisation, as of Sep 24, 2026). Per share that is 27.29 ILA; our models calculate a fair value of 55.38 ILA per share.
What do the bullish and bearish scenarios say about JCFN?
Our models span a range for Jacob Finance And Investments Ltd: cautious scenario 32.03 ILA, base 55.38 ILA, optimistic 89.76 ILA per share (as of Sep 24, 2026, price 27.29 ILA). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of JCFN?
Jacob Finance And Investments Ltd trades at a price-to-earnings ratio of 8.0 (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 55.38 ILA is built from several models across several years. Other multiples: P/B 0.5, P/S 1.8, EV/EBITDA 1.0.
How solid is the balance sheet of Jacob Finance And Investments Ltd (JCFN)?
Balance-sheet figures for Jacob Finance And Investments Ltd (as of Sep 24, 2026): return on equity 19.4%. They feed the Quality Score of 61/100, which measures business quality independently of the share price.
How far is JCFN from its 52-week high?
Jacob Finance And Investments Ltd trades at 27.29 ILA, about 23% below its 52-week high of 35.33 ILA and 4% above the low of 26.12 ILA (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 55.38 ILA is for.
Which stocks are comparable to Jacob Finance And Investments Ltd?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial 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 Jacob Finance And Investments Ltd stock attractive at the current price?
The data as of Sep 24, 2026: price 27.29 ILA, calculated fair value 55.38 ILA (+103%), Quality Score 61/100, from 11 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 JCFN calculated?
We run Jacob Finance And Investments Ltd through 11 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 55.38 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 13.2 % above its aggregate fair value. Jacob Finance And Investments Ltd currently trades 103 % below its own fair value, and the market average says nothing about that. 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 Jacob Finance And Investments Ltd (JCFN)?
The closing price on Sep 24, 2026 was 27.29 ILA. Our model-based fair value is 55.38 ILA, about +103% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Jacob Finance And Investments Ltd right now?
The price is below even our cautious bear case (32.03 ILA). The market is more pessimistic than our downside scenario. The model range is unusually wide (32.03 ILA to 89.76 ILA). The outcome hinges heavily on assumptions, so read the point estimate with caution. Solid quality (61/100) at a price below fair value, the discount is the argument here, not the business quality. 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 Jacob Finance And Investments Ltd
How large is the market capitalisation of Jacob Finance And Investments Ltd (JCFN)?
The market capitalisation of Jacob Finance And Investments Ltd is 671M 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 Jacob Finance And Investments Ltd (JCFN)?
The price-to-sales ratio of Jacob Finance And Investments Ltd is 2.88 (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 Jacob Finance And Investments Ltd (JCFN)?
Earnings per share at Jacob Finance And Investments Ltd are 3.43 ILA (price ÷ EPS = P/E 8.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Jacob Finance And Investments Ltd (JCFN)?
The dividend yield of Jacob Finance And Investments Ltd is 1.6% (payout 13.0%). 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 Jacob Finance And Investments Ltd (JCFN)?
The net margin of Jacob Finance And Investments Ltd is 36.2% (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 Jacob Finance And Investments Ltd (JCFN)?
The return on equity (ROE) of Jacob Finance And Investments Ltd is 19.4% (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 Jacob Finance And Investments Ltd (JCFN)?
On an EBIT basis the return on assets of Jacob Finance And Investments Ltd is 4.5% (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 Jacob Finance And Investments Ltd (JCFN)?
The operating margin of Jacob Finance And Investments Ltd is 92.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Jacob Finance And Investments Ltd (JCFN)?
Revenue at Jacob Finance And Investments Ltd is growing +12.3% versus a year earlier (3y avg +27.8%). 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 Jacob Finance And Investments Ltd (JCFN)?
Earnings per share at Jacob Finance And Investments Ltd are growing +13.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Jacob Finance And Investments Ltd (JCFN) carry?
The net debt of Jacob Finance And Investments Ltd is 2.6B ILA (fiscal year 2025, ≈ 31.7 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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