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Poalim Ibi (PIU) Fair Value & Analysis

Financials · Il · Market cap 162M ILA · ISIN IL0010844822

PI Poalim Ibi PIU · TA
Price9.71 ILA
Fair Value11.78 ILA
Upside+21.3%
Quality92/100
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Strengths

Trades 18% below our fair value of 11.78 ILA
Highly profitable · 38.6% net margin
Ranks above peers (7/9)
Wide moat 83/100

Risks

!Mixed Growth (revenue 5y +4.9 %/yr)
!Evidence only medium, so the estimate is less certain
!Weak on dividend: 3 out of 100
Mixed Growth (revenue 5y +4.9 %/yr)
Highly profitable · 38.6% net margin
0.17% dividend yield
Ranks above peers (7/9)
Wide moat 83/100
Evidence: Medium Range 8.83 ILA – 14.72 ILA Share as image

Fair value as of: Aug 28, 2026

From 6 valuation models · updated today

Share price −13.1% over the past month.

A strong business, trading 18% below our fair value.

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69 individual criteria per stock, every one traceable See the method →

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What matters now

  • For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
  • Our model range runs from 8.83 ILA (bear) to 14.72 ILA (bull), base 11.78 ILA. The closer the price sits to the lower half, the larger the margin of safety.
  • Quality 92/100 (high quality) with medium evidence: read the verdict with care.
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Price vs Fair Value (5 years)

18.45 ILA 5.06 ILA Fair Value 11.78 ILA Apr 2021 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 28, 2026.

How to read this chart

60‑month range 5.06 ILA – 18.45 ILA · fair‑value band 8.83 ILA – 14.72 ILA · the 9.71 ILA price screens below the 11.78 ILA fair value. Dashed = 300-day average. As of Aug 28, 2026.

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Analysis

Poalim Ibi (PIU) currently trades at 9.71 ILA, while our model-based Fair Value estimate is 11.78 ILA, implying the stock looks roughly 21.3% undervalued today. The Quality Score stands at 92/100 (high quality), in the Financials 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: medium), always confirm before acting.

Over the trailing twelve months, Poalim Ibi generated revenue of 68.1M ILA at a net margin of 38.6%. Revenue declined 47.1% year over year. It earns a return on equity of 19.0%. The stock trades on a trailing P/E of 5.4. Fundamentals as of Aug 28, 2026

Our scenario range runs from 8.83 ILA (bear case) to 14.72 ILA (bull case); at 9.71 ILA, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. For context, the median of 10 Financials peers we cover trades at 9% fair-value upside, at 21%, PIU screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Model 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
Highest evidence
Residual Income 6.02 ILA 7.39 ILA 13.14 ILA 76
Gordon GGM 14.28 ILA 23.93 ILA 31.05 ILA 70
P/E Multiple 11.42 ILA 15.23 ILA 19.04 ILA 63
All 6 models by family
Dividend Discount
Gordon GGM 14.28 ILA 23.93 ILA 31.05 ILA 70
DDM Multi-Stage 14.28 ILA 22.69 ILA 25.74 ILA 61
Multiples
P/E Multiple 11.42 ILA 15.23 ILA 19.04 ILA 63
P/B Multiple 6.24 ILA 8.32 ILA 10.40 ILA 55
Asset-Based
NCAV (Graham) 2.97 ILA 3.98 ILA 5.94 ILA 50
Economic Profit
Residual Income 6.02 ILA 7.39 ILA 13.14 ILA 76

Widest divergence: Dividend Discount (22.69 ILA) versus Asset-Based (3.98 ILA). Highest evidence: Residual Income (76).

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Key figures & financial health

P/E ratio 5.4
P/S ratio 2.07 P/E × margin
EPS (TTM) 1.79 ILA price ÷ EPS = P/E 5.4
Dividend yield 0.2% payout 0.9%
Net margin 38.2% FY2019
Return on equity 19.0% TTM
More key figures
Profitability
Return on assets (EBIT) 23.9% avg 5y
Operating margin 49.0% TTM
Growth
Revenue (TTM) 68.1M ILA TTM
Revenue growth (YoY) -47.1% 3y avg +5.9%
EPS growth (YoY) -61.1%

Figures from reported company fundamentals · as of Aug 28, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 92/100

Of which business quality 88 · Market factors (momentum, volatility) 29

Profitability 71
Margins and returns on capital today
Quality Growth 83
Are margins and returns improving?
Cashflow 95
Earnings quality: real cash, not paper profit
Fin. Strength 100
Balance sheet, leverage, solvency risk
Investment 92
Disciplined investing over empire-building
Low Volatility 68
Calm price path (market factor)
Momentum 13
Price trend over the last 3–12 months (market factor)
52W Momentum 10
Distance to the 52-week high (market factor)

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.

About the company

Poalim I.B.I.-Managing & Underwriting Ltd operates as an investment banking company. The company engages in the issuance of issues for corporations seeking to raise capital and debt in the capital market; management of issues, including distribution and management of consortium underwriters for issues of companies offering securities to the public; deals in …

Full company description

Poalim I.B.I.-Managing & Underwriting Ltd operates as an investment banking company. The company engages in the issuance of issues for corporations seeking to raise capital and debt in the capital market; management of issues, including distribution and management of consortium underwriters for issues of companies offering securities to the public; deals in brokerage of securities; and management of private issues of companies to institutional investors. Poalim I.B.I.-Managing & Underwriting Ltd was incorporated in 1993 and is based in Tel Aviv-Yafo, Israel.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2015 – FY2019 · reported fiscal years

Poalim Ibi reported revenue of 71.0M ILA in FY2019 versus 38.8M ILA in FY2015, a compound +16.3%/yr. Reported net income was 27.1M ILA in FY2019, compounding +10.5%/yr from FY2015.

Growth Quality 71/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Latest Revenue (FY 2019)
71.0M ILS
Latest YoY
+55.8%
Avg. revenue growth/yr (3Y) 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.
+5.9%
Avg. revenue growth/yr (5Y) 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.
+4.9%
Avg. revenue growth/yr (12Y) 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.
−5.5%
Value creation/yr We only publish this rate when it is defensible. Reason: no share-count history
not computed
Revenue +16.3%/yr
FY15 38.8M ILA
FY16 59.7M ILA
FY17 87.9M ILA
FY18 45.6M ILA
FY19 71.0M ILA
Net income +10.5%/yr
FY15 18.2M ILA
FY16 27.5M ILA
FY17 50.5M ILA
FY18 13.9M ILA
FY19 27.1M ILA

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Cite: Fair Value Calculator (2026). "Poalim Ibi Fair Value". https://www.fairvalue-calculator.com/stock/PIU

Peer Group

Investment Banking & Investment Services · 17 stocks

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.

Quality Score 92 · Top 25%
Fair Value upside +21% · Above median
Return on equity (TTM) 19% · Top 25%
Return on assets 15% · Top 25%
Net margin (TTM) 39% · Top 25%
Operating margin (TTM) 49% · Above median
Revenue growth -47% · Below median
Dividend yield (TTM) 0.2% · Bottom 25%

Valuation Multiples vs Investment Banking & Investment Services median · lower = cheaper

P/E (TTM) 5.4× · Cheaper than 75% of peers

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE62 · sector 25
FUTURE0 · sector 0
PAST76 · sector 0
HEALTH0 · sector 100
DIVIDEND3 · sector 28

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

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Frequently asked questions

Is Poalim Ibi (PIU) overvalued or undervalued?
As of Aug 28, 2026, our model estimates a fair value of 11.78 ILA versus a price of 9.71 ILA, about +21% (undervalued).
What is the fair value of PIU?
Our model-based fair value for Poalim Ibi is 11.78 ILA (as of Aug 28, 2026), built from audited fundamentals. The current price: 9.71 ILA.
What is the quality score of PIU?
Poalim Ibi has a Quality Score of 92/100. 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 revenue of Poalim Ibi (PIU)?
Poalim Ibi reported trailing-twelve-month revenue of about 68.1M ILS (latest available figure, as of Aug 28, 2026).
What is the net profit margin of PIU?
The net profit margin of Poalim Ibi is about 38.6%, meaning it keeps roughly 38.6% of revenue as net income. Based on the latest reported figures.
Does Poalim Ibi pay a dividend?
Poalim Ibi currently shows a dividend yield of about 0.17% relative to its recent price (as of Aug 28, 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.

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