Jacob Finance And Investments Ltd (JCFN) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Jacob Finance And Investments Ltd stock ILS 51.80, price ILS 26.26, upside +97.3%, quality 56 out of 100. Rating: strongly undervalued. Calculated from audited financials with 11 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
56‑month range 8.15 ILS – 36.20 ILS · fair‑value band 29.96 ILS – 84.00 ILS · the 26.26 ILS price screens below the 51.80 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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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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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 26.26 ILS, while our model-based Fair Value estimate is 51.80 ILS, implying the stock looks roughly 49% undervalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of 135.22 ILS per share, and 8 of the 11 models we run sit above the 26.26 ILS price.
Bear case: the Asset-Based group reads lowest at 12.25 ILS, and 3 of the 11 models stay below the price. Data coverage for this calculation is high.
Scenario range: 29.96 ILS (bear) to 84.00 ILS (bull), the price of 26.26 ILS 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 56/100 (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 646M ILS Micro · P/E ratio 7.4 · P/S ratio 5.15 · EPS (TTM) 3.56 ILS · Dividend yield 1.7% · Net margin 69.8% · Return on equity 19.4% · Return on assets (EBIT) 4.5% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 76 out of 100 (low confidence).
What moves the price
The share trades about 26% below its 52-week high and 1% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −3% fair-value upside, at 97%, JCFN screens cheaper than that median.
Fair Value models
Bear29.96 ILSFair Value 51.80 ILSBull84.00 ILS
Price 26.26 ILS · Upside +97.3%
Capped: our models arrive at a very high value here. We deliberately show a more cautious Fair Value.
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 (2.67 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
+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.
+29.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+27.7%
Dividend (yield on the price)1.7%
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%
Compare Jacob Finance And Investments 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.Credit Services · 283 stocks
Beats the industry median on 9/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score56 · Above median
Fair Value upside+97.3% · Top 25%
Profitability
Return on equity (12 months)19.4% · Top 25%
Return on assets2.7% · Above median
Net margin (12 months)69.8% · Top 25%
Operating margin (12 months)92.2% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)12.3% · Above median
Dividend yield (12 months)1.7% · Below median
Valuation Multiplesvs Credit Services median · lower = cheaper
P/E (12 months)7.4× · Cheaper than median
P/B1.42× · Pricier than median
P/S (12 months)5.15× · Pricier than median
Price / free cash flow (fiscal year)7.9× · Pricier than median
EV/EBITDA3.0× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)100· sector 59
FUTURE (revenue growth)62· sector 57
PAST (return on equity)77· sector 39
HEALTH (low debt)–
DIVIDEND (yield)34· sector 64
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
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 Nov 6, 2026, our model estimates a fair value of 51.80 ILS versus a price of 26.26 ILS, about +97% upside (undervalued).
What is the fair value of JCFN?
Our model-based fair value for Jacob Finance And Investments Ltd is 51.80 ILS (as of Nov 6, 2026), built from audited fundamentals. The current price: 26.26 ILS.
What is the quality score of JCFN?
Jacob Finance And Investments 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 Jacob Finance And Investments Ltd (JCFN)?
Our model-based price target is the fair value of 51.80 ILS (as of Nov 6, 2026) from 11 valuation models. Cautious scenario 29.96 ILS, optimistic scenario 84.00 ILS. 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 51.80 ILS, about +97% upside versus a price of 26.26 ILS (undervalued). Cautious scenario 29.96 ILS, optimistic scenario 84.00 ILS. 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 Nov 6, 2026).
Does Jacob Finance And Investments Ltd pay a dividend?
Jacob Finance And Investments Ltd currently shows a dividend yield of 1.70% relative to its recent price (as of Nov 6, 2026).
How much is the dividend of Jacob Finance And Investments Ltd (JCFN) and when is the ex-dividend date?
Jacob Finance And Investments Ltd pays a dividend of 0.447 ILS per share a year, a dividend yield of 1.7%. The last ex-dividend date was Aug 14, 2026. The payout ratio is 12.6% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
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 51.80 ILS per share (as of Nov 6, 2026), against a price of 26.26 ILS. It is the blended result of 11 valuation models in 6 families (DCF Models, Earnings-Based, Multiples, Asset-Based, Growth DCF, Economic Profit).
Is Jacob Finance And Investments Ltd stock overvalued or undervalued in 2026?
As of Nov 6, 2026, JCFN trades below its calculated fair value: price 26.26 ILS, fair value 51.80 ILS, a gap of about +97% (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 (26.26 ILS); the fair value is what the company's own numbers justify (51.80 ILS). For Jacob Finance And Investments Ltd the two are 25.54 ILS 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 646M ILS (market capitalisation, as of Nov 6, 2026). Per share that is 26.26 ILS; our models calculate a fair value of 51.80 ILS 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 29.96 ILS, base 51.80 ILS, optimistic 84.00 ILS per share (as of Nov 6, 2026, price 26.26 ILS). 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 7.4 (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 51.80 ILS is built from several models across several years. Other multiples: P/B 1.4, P/S 5.2, EV/EBITDA 3.0.
How solid is the balance sheet of Jacob Finance And Investments Ltd (JCFN)?
Balance-sheet figures for Jacob Finance And Investments Ltd (as of Nov 6, 2026): return on equity 19.4%. They feed the Quality Score of 56/100, 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 26.26 ILS, about 26% below its 52-week high of 35.33 ILS and 1% above the low of 25.90 ILS (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 51.80 ILS 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 Nov 6, 2026: price 26.26 ILS, calculated fair value 51.80 ILS (+97%), Quality Score 56/100, 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 6 families: DCF Models, Earnings-Based, Multiples, Asset-Based, Growth DCF, Economic Profit. Every model gets the same audited fundamentals; the fair value of 51.80 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 13.3% above its aggregate fair value. Jacob Finance And Investments Ltd currently trades 49% 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 Nov 6, 2026 was 26.26 ILS. Our model-based fair value is 51.80 ILS, about +97% 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 (29.96 ILS). The market is more pessimistic than our downside scenario. The model range is unusually wide (29.96 ILS to 84.00 ILS). The outcome hinges heavily on assumptions, so read the point estimate with caution. Solid quality (56/100) 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 646M 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 Jacob Finance And Investments Ltd (JCFN)?
The price-to-sales ratio of Jacob Finance And Investments Ltd is 5.15 (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 Jacob Finance And Investments Ltd (JCFN)?
Earnings per share at Jacob Finance And Investments Ltd are 3.56 ILS (price ÷ EPS = P/E 7.4). 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 1.7% (payout 12.6%). 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 69.8% (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 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 free cash flow does Jacob Finance And Investments Ltd (JCFN) generate?
The free cash flow of Jacob Finance And Investments Ltd is 81.3M ILS (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Jacob Finance And Investments Ltd (JCFN) carry?
The net debt of Jacob Finance And Investments Ltd is 2.6B ILS (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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