Libra Insurance Company Ltd (LBRA) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Libra Insurance Company Ltd ILS 19.23, price ILS 30.89, upside -37.8%, quality 52 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 23, 2026.
How to read this chart
60‑month range 2.09 ILA – 32.25 ILA · fair‑value band 12.56 ILA – 76.92 ILA · the 30.89 ILA price screens above the 19.23 ILA fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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Libra Insurance Company Ltd engages in the general insurance business in Israel. The company offers motor property insurance; home insurance, including mortgage building insurance; business insurance; pet insurance; and overseas travel insurance, as well as life insurance products.
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Libra Insurance Company Ltd engages in the general insurance business in Israel. The company offers motor property insurance; home insurance, including mortgage building insurance; business insurance; pet insurance; and overseas travel insurance, as well as life insurance products. Libra Insurance Company Ltd was incorporated in 2017 and is headquartered in Holon, Israel.
Stock analysis
Libra Insurance Company Ltd (LBRA) currently trades at 30.89 ILA, while our model-based Fair Value estimate is 19.23 ILA, implying the stock looks roughly 60.6% overvalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of 20.54 ILA per share, and 0 of the 4 models we run sit above the 30.89 ILA price.
Bear case: the Asset-Based group reads lowest at 2.72 ILA, and 4 of the 4 models stay below the price. Evidence for this calculation is high.
Scenario range: 12.56 ILA (bear) to 76.92 ILA (bull), the price of 30.89 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 52/100 (solid quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Libra Insurance Company Ltd reported revenue of 907M ILS in FY2025 versus 122M ILS in FY2021, a compound +65.1%/yr. Reported net income was 85.2M ILS in FY2025, compounding +126.0%/yr from FY2021.
Key figures
Market cap 1.4B ILA · P/E ratio 14.9 · P/S ratio 1.40 · EPS (TTM) 2.07 ILA · Dividend yield 0.7% · Net margin 9.4% · Return on equity 56.2% · Return on assets (EBIT) 8.6%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).
What moves the price
The share trades about 4% below its 52-week high and 106% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −10% fair-value upside, at −38%, LBRA screens richer than that median.
Fair Value models
Bear 12.56 ILAFair Value 19.23 ILABull 76.92 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 (1.36 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.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+78.0%
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.
+75.0%
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.
+68.3%
Start year 2020 (pandemic)
Revenue growth 7 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.
+148.4%
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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.
+92.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+91.9%
Dividend (yield on the price)0.7%
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.10% → 14%
2025 sits 183% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
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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 - Property & Casualty · 119 stocks
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). "Libra Insurance Company Ltd Fair Value". https://www.fairvalue-calculator.com/stock/LBRA
Frequently asked questions
Is Libra Insurance Company Ltd (LBRA) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of 19.23 ILA versus a price of 30.89 ILA, about −38% upside (overvalued).
What is the fair value of LBRA?
Our model-based fair value for Libra Insurance Company Ltd is 19.23 ILA (as of Sep 23, 2026), built from audited fundamentals. The current price: 30.89 ILA.
What is the quality score of LBRA?
Libra Insurance Company Ltd has a Quality Score of 52/100. 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 Libra Insurance Company Ltd (LBRA)?
Our model-based price target is the fair value of 19.23 ILA (as of Sep 23, 2026) from 4 valuation models. Cautious scenario 12.56 ILA, optimistic scenario 76.92 ILA. It is a calculation from audited fundamentals, not an analyst target.
What is the Libra Insurance Company Ltd stock forecast for 2026?
Our models put fair value at 19.23 ILA, about −38% upside versus a price of 30.89 ILA (overvalued). Cautious scenario 12.56 ILA, optimistic scenario 76.92 ILA. The calculation is refreshed regularly with new filings.
What is the revenue of Libra Insurance Company Ltd (LBRA)?
Libra Insurance Company Ltd reported trailing-twelve-month revenue of about 1.1B ILS (latest available figure, as of Sep 23, 2026).
Does Libra Insurance Company Ltd pay a dividend?
Libra Insurance Company Ltd currently shows a dividend yield of about 0.71% relative to its recent price (as of Sep 23, 2026).
What is the intrinsic value of Libra Insurance Company Ltd (LBRA)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Libra Insurance Company Ltd it is 19.23 ILA per share (as of Sep 23, 2026), against a price of 30.89 ILA. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Libra Insurance Company Ltd stock overvalued or undervalued in 2026?
As of Sep 23, 2026, LBRA trades above its calculated fair value: price 30.89 ILA, fair value 19.23 ILA, a gap of about −38% (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 LBRA?
No. The price is what the market pays today (30.89 ILA); the fair value is what the company's own numbers justify (19.23 ILA). For Libra Insurance Company Ltd the two are 11.66 ILA per share apart. That gap is exactly why we show both numbers side by side.
How much is Libra Insurance Company Ltd worth?
The market values Libra Insurance Company Ltd at about 1.4B ILA (market capitalisation, as of Sep 23, 2026). Per share that is 30.89 ILA; our models calculate a fair value of 19.23 ILA per share.
What do the bullish and bearish scenarios say about LBRA?
Our models span a range for Libra Insurance Company Ltd: cautious scenario 12.56 ILA, base 19.23 ILA, optimistic 76.92 ILA per share (as of Sep 23, 2026, price 30.89 ILA). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of LBRA?
Libra Insurance Company Ltd trades at a price-to-earnings ratio of 14.9 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 19.23 ILA is built from several models across several years. Other multiples: P/B 2.5, P/S 0.4, EV/EBITDA 3.3.
How solid is the balance sheet of Libra Insurance Company Ltd (LBRA)?
Balance-sheet figures for Libra Insurance Company Ltd (as of Sep 23, 2026): return on equity 56.2%, debt of 0.27 per unit of equity. They feed the Quality Score of 52/100, which measures business quality independently of the share price.
How far is LBRA from its 52-week high?
Libra Insurance Company Ltd trades at 30.89 ILA, about 4% below its 52-week high of 32.25 ILA and 106% above the low of 14.99 ILA (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 19.23 ILA is for.
Which stocks are comparable to Libra Insurance Company Ltd?
From the same area (Financial Services) we also value The Progressive Corporation, Chubb Limited, The Travelers Companies, Inc, The Allstate 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 Libra Insurance Company Ltd stock attractive at the current price?
The data as of Sep 23, 2026: price 30.89 ILA, calculated fair value 19.23 ILA (−38%), Quality Score 52/100, from 4 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 LBRA calculated?
We run Libra Insurance Company Ltd through 4 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 19.23 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 13.0 % above its aggregate fair value. Libra 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 Libra Insurance Company Ltd (LBRA)?
The closing price on Sep 24, 2026 was 30.89 ILA. Our model-based fair value is 19.23 ILA, about −38% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Libra Insurance Company Ltd right now?
The model range is unusually wide (12.56 ILA to 76.92 ILA). The outcome hinges heavily on assumptions, so read the point estimate with caution. Solid but not exceptional quality (52/100) 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.
Key figures of Libra Insurance Company Ltd
How large is the market capitalisation of Libra Insurance Company Ltd (LBRA)?
The market capitalisation of Libra Insurance Company Ltd is 1.4B 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 Libra Insurance Company Ltd (LBRA)?
The price-to-sales ratio of Libra Insurance Company Ltd is 1.40 (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 Libra Insurance Company Ltd (LBRA)?
Earnings per share at Libra Insurance Company Ltd are 2.07 ILA (price ÷ EPS = P/E 14.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Libra Insurance Company Ltd (LBRA)?
The dividend yield of Libra Insurance Company Ltd is 0.7% (payout 10.6%). 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 Libra Insurance Company Ltd (LBRA)?
The net margin of Libra Insurance Company Ltd is 9.4% (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 Libra Insurance Company Ltd (LBRA)?
The return on equity (ROE) of Libra Insurance Company Ltd is 56.2% (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 Libra Insurance Company Ltd (LBRA)?
On an EBIT basis the return on assets of Libra Insurance Company Ltd is 8.6% (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 Libra Insurance Company Ltd (LBRA)?
The operating margin of Libra Insurance Company Ltd is 13.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Libra Insurance Company Ltd (LBRA)?
Revenue at Libra Insurance Company Ltd is growing +7.7% versus a year earlier (3y avg +75.0%). 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 Libra Insurance Company Ltd (LBRA)?
Earnings per share at Libra Insurance Company Ltd are growing +52.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Libra Insurance Company Ltd (LBRA) generate?
The free cash flow of Libra Insurance Company Ltd is −56.0M ILA (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 Libra Insurance Company Ltd (LBRA) carry?
The net debt of Libra Insurance Company Ltd is 26.1M ILA (fiscal year 2025). 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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