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Opal Balance Investments Ltd (OPAL) Fair Value & Analysis

Financial Services · Il · Market cap 312M ILA

OB Opal Balance Investments Ltd OPAL · TA
Price2.95 ILA
Fair Value3.23 ILA
Upside+9.6%
Quality95/100
Evidence: High Range 2.42 ILA – 4.04 ILA

Fair value as of: Jun 26, 2026

From 17 valuation models · updated 3 days ago

Share price +0.3% over the past month.

Price vs Fair Value (12 months)

3.76 ILA 2.27 ILA Fair Value 3.23 ILA Jun 2025 Jun 2026

12‑month range 2.27 ILA – 3.76 ILA · fair‑value band 2.42 ILA – 4.04 ILA · the 2.95 ILA price screens below the 3.23 ILA fair value. As of Jun 26, 2026.

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Analysis

Opal Balance Investments Ltd (OPAL) currently trades at 2.95 ILA, while our model-based Fair Value estimate is 3.23 ILA — implying the stock looks roughly 9.6% undervalued today. We read business quality at 95/100 (high 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, Opal Balance Investments Ltd generated revenue of 88.0M ILA at a net margin of 48.1%. Revenue grew 21.4% year over year. It earns a return on equity of 18.2%. Net debt stands at 337M ILA. Fundamentals as of Jun 26, 2026

Key figures & financial health

Revenue (TTM) 88.0M ILA
Revenue growth (YoY) +21.4%
Net margin 48.1%
Return on equity 18.2%
Free cash flow −44.8M ILA FY2025
P/E ratio 7.3
More key figures
Operating margin 63.3%
EPS (TTM) 0.4100 ILA
Dividend yield 0.1%
EPS growth (YoY) +22.9%
Net debt 337M ILA FY2025

Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.

About the company

Opal Balance Investments Ltd provides various financing services mainly to small and medium-sized businesses in Israel. It operates in the cities of Ashdod, Holon, Haifa, Beer Sheva, Netivot, and Jerusalem. Opal Balance Investments Ltd was incorporated in 2005 and is based in Ashdod, Israel.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Opal Balance Investments Ltd reported revenue of 102M ILA in FY2025 versus 67.2M ILA in FY2021, a compound +11.1%/yr. Reported net income was 40.4M ILA in FY2025, compounding +10.6%/yr from FY2021.

Revenue +11.1%/yr
FY21 67.2M ILA
FY22 90.1M ILA
FY23 92.3M ILA
FY24 83.0M ILA
FY25 102M ILA
Net income +10.6%/yr
FY21 27.0M ILA
FY22 29.0M ILA
FY23 26.4M ILA
FY24 30.9M ILA
FY25 40.4M ILA

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Frequently asked questions

Is Opal Balance Investments Ltd (OPAL) undervalued?
As of Jun 26, 2026, our model estimates a fair value of 3.23 ILA versus a price of 2.95 ILA — about +10% (undervalued). Model-based estimate, not financial advice.
What is the fair value of OPAL?
Our 21-model fair value for Opal Balance Investments Ltd is 3.23 ILA (as of Jun 26, 2026), built from audited fundamentals. The current price is 2.95 ILA.
What is the quality score of OPAL?
Opal Balance Investments Ltd has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of Opal Balance Investments Ltd (OPAL)?
Opal Balance Investments Ltd reported trailing-twelve-month revenue of about 88.0M ILS (latest available figure, as of Jun 26, 2026).
What is the net profit margin of OPAL?
The net profit margin of Opal Balance Investments Ltd is about 48.1%, meaning it keeps roughly 48.1% of revenue as net income. Based on the latest reported figures.
Does Opal Balance Investments Ltd pay a dividend?
Opal Balance Investments Ltd currently shows a dividend yield of about 0.07% relative to its recent price (as of Jun 26, 2026).

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.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.