Ralco Agencies Ltd (RLCO) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Ralco Agencies Ltd ILS 103, price ILS 40.83, upside +153.1%, quality 64 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
60‑month range 15.27 ILA – 57.81 ILA · fair‑value band 69.76 ILA – 142.77 ILA · the 40.83 ILA price screens below the 103.32 ILA fair value. Dashed = 300-day average. As of Sep 24, 2026.
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Ralco Agencies Ltd imports, distributes, and sells electrical and electronic appliances in Israel. It provides refrigerators, ovens, stoves, LCD TVs, washing machines, dryers, dishwashers, vacuum cleaners, electric pots, and microwaves under the SHARP, ZANUSSI, and Blomberg brands.
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Ralco Agencies Ltd imports, distributes, and sells electrical and electronic appliances in Israel. It provides refrigerators, ovens, stoves, LCD TVs, washing machines, dryers, dishwashers, vacuum cleaners, electric pots, and microwaves under the SHARP, ZANUSSI, and Blomberg brands. The company markets its products through stores, as well as through online stores. The company was formerly known as Chef Agencies Ltd. and changed its name to Ralco Agencies Ltd in 1992. Ralco Agencies Ltd was incorporated in 1983 and is based in Azor, Israel.
Stock analysis
Ralco Agencies Ltd (RLCO) currently trades at 40.83 ILA, while our model-based Fair Value estimate is 103.32 ILA, implying the stock looks roughly 60.5% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 140.90 ILA per share, and 22 of the 24 models we run sit above the 40.83 ILA price.
Bear case: the Asset-Based group reads lowest at 17.68 ILA, and 2 of the 24 models stay below the price. Evidence for this calculation is high.
Scenario range: 69.76 ILA (bear) to 142.77 ILA (bull), the price of 40.83 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 64/100 (solid quality), in the Technology sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Ralco Agencies Ltd reported revenue of 301M ILS in FY2025 versus 270M ILS in FY2021, a compound +2.8%/yr. Reported net income was 24.8M ILS in FY2025, compounding −10.2%/yr from FY2021.
Key figures
Market cap 183M ILA · P/E ratio 5.9 · P/S ratio 0.49 · EPS (TTM) 6.88 ILA · Net margin 8.2% · Return on equity 28.4% · Return on assets (EBIT) 28.2% · Operating margin 14.8%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 49 out of 100 (low confidence).
What moves the price
The share trades about 19% below its 52-week high and 17% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Technology peers we cover trades at −12% fair-value upside, at 153%, RLCO screens cheaper than that median.
Fair Value models
Bear 69.76 ILAFair Value 103.32 ILABull 142.77 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 (5.05 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.54/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−7.5%
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.
+3.1%
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.
+4.5%
Start year 2020 (pandemic). Over 10 years: +2.9% a year
Revenue growth 24 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.
+3.8%
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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.
−0.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year−0.7%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−1% vs 9%, slowing
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.16% → 15%
Start year 2020 (pandemic)
Growth Forecast
Price in line with expectations
The price assumes about as much growth as 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).
+6.1%
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 +3.9% a year for the price.
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.Electronics & Computer Distribution · 154 stocks
Beats the industry median on 11/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score64 · Top 25%
Fair Value upside+154% · Top 25%
Profitability
Return on equity (TTM)28% · Top 25%
Return on assets16% · Top 25%
Net margin (TTM)9% · Top 25%
Operating margin (TTM)15% · Top 25%
Growth and dividend
Revenue growth10% · Below median
Dividend yield (TTM)16.4% · Top 25%
Valuation Multiplesvs Electronics & Computer Distribution median · lower = cheaper
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Is Ralco Agencies Ltd (RLCO) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 103.32 ILA versus a price of 40.83 ILA, about +153% upside (undervalued).
What is the fair value of RLCO?
Our model-based fair value for Ralco Agencies Ltd is 103.32 ILA (as of Sep 24, 2026), built from audited fundamentals. The current price: 40.83 ILA.
What is the quality score of RLCO?
Ralco Agencies Ltd has a Quality Score of 64/100. 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 Ralco Agencies Ltd (RLCO)?
Our model-based price target is the fair value of 103.32 ILA (as of Sep 24, 2026) from 24 valuation models. Cautious scenario 69.76 ILA, optimistic scenario 142.77 ILA. It is a calculation from audited fundamentals, not an analyst target.
What is the Ralco Agencies Ltd stock forecast for 2026?
Our models put fair value at 103.32 ILA, about +153% upside versus a price of 40.83 ILA (undervalued). Cautious scenario 69.76 ILA, optimistic scenario 142.77 ILA. The calculation is refreshed regularly with new filings.
What is the revenue of Ralco Agencies Ltd (RLCO)?
Ralco Agencies Ltd reported trailing-twelve-month revenue of about 309M ILS (latest available figure, as of Sep 24, 2026).
What growth is priced into Ralco Agencies Ltd (RLCO)?
For today's price to be fair in a discounted-cash-flow model, Ralco Agencies Ltd would have to grow free cash flow by +6.1 % per year for five years (discount rate 13.1 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +4.6 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of RLCO use?
Our models discount Ralco Agencies Ltd at 13.1 %: a base by market capitalisation (micro), damped by beta 0.05, 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 Ralco Agencies Ltd that is +6.1 % per year a year over ten years, using the same discount rate (13.1 %) and the same formula as our fair value.
How much growth has Ralco Agencies Ltd (RLCO) delivered so far?
Over the past 5 years revenue at Ralco Agencies Ltd grew +4.6 % a year. The price currently implies +6.1 % 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 Ralco Agencies Ltd (RLCO) growing?
The median revenue growth in the sector is +2.6 % a year. That is the yardstick for the growth priced into Ralco Agencies Ltd (+6.1 % 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 Ralco Agencies Ltd (RLCO)?
The free-cash-flow yield on the price is 10.31 %: that much free cash flow Ralco Agencies Ltd produces per unit of market value. When it exceeds the discount rate of our models (13.1 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Ralco Agencies Ltd (RLCO)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Ralco Agencies Ltd it is 103.32 ILA per share (as of Sep 24, 2026), against a price of 40.83 ILA. It is the blended result of 24 valuation models (cash flow, earnings, asset, dividend).
Is Ralco Agencies Ltd stock overvalued or undervalued in 2026?
As of Sep 24, 2026, RLCO trades below its calculated fair value: price 40.83 ILA, fair value 103.32 ILA, a gap of about +153% (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 RLCO?
No. The price is what the market pays today (40.83 ILA); the fair value is what the company's own numbers justify (103.32 ILA). For Ralco Agencies Ltd the two are 62.49 ILA per share apart. That gap is exactly why we show both numbers side by side.
How much is Ralco Agencies Ltd worth?
The market values Ralco Agencies Ltd at about 183M ILA (market capitalisation, as of Sep 24, 2026). Per share that is 40.83 ILA; our models calculate a fair value of 103.32 ILA per share.
What do the bullish and bearish scenarios say about RLCO?
Our models span a range for Ralco Agencies Ltd: cautious scenario 69.76 ILA, base 103.32 ILA, optimistic 142.77 ILA per share (as of Sep 24, 2026, price 40.83 ILA). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of RLCO?
Ralco Agencies Ltd trades at a price-to-earnings ratio of 5.9 (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 103.32 ILA is built from several models across several years. Other multiples: P/B 0.6, P/S 0.2, EV/EBITDA 1.2.
How solid is the balance sheet of Ralco Agencies Ltd (RLCO)?
Balance-sheet figures for Ralco Agencies Ltd (as of Sep 24, 2026): return on equity 28.4%. They feed the Quality Score of 64/100, which measures business quality independently of the share price.
How far is RLCO from its 52-week high?
Ralco Agencies Ltd trades at 40.83 ILA, about 19% below its 52-week high of 50.26 ILA and 17% above the low of 34.92 ILA (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 103.32 ILA is for.
Which stocks are comparable to Ralco Agencies Ltd?
From the same area (Technology) we also value TD SYNNEX Corporation, Unisplendour Corporation, Rexel S.A, Arrow Electronics, Inc, 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 Ralco Agencies Ltd stock attractive at the current price?
The data as of Sep 24, 2026: price 40.83 ILA, calculated fair value 103.32 ILA (+153%), Quality Score 64/100, from 24 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 RLCO calculated?
We run Ralco Agencies Ltd through 24 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 103.32 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. Ralco Agencies Ltd currently trades 153 % 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 Ralco Agencies Ltd (RLCO)?
The closing price on Sep 24, 2026 was 40.83 ILA. Our model-based fair value is 103.32 ILA, about +153% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Ralco Agencies Ltd right now?
The price is below even our cautious bear case (69.76 ILA). The market is more pessimistic than our downside scenario. Solid quality (64/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range (69.76 ILA to 142.77 ILA) leaves room in how you read the outcome.
Where does the earnings growth of Ralco Agencies Ltd (RLCO) come from?
Earnings per share at Ralco Agencies Ltd grew +11.1 % a year from 2014 to 2025. Broken into its drivers: revenue per share +3.0 %, EBIT margin +4.9 %, tax rate +0.8 %, residual (interest, one-offs) +1.9 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Ralco Agencies Ltd
How large is the market capitalisation of Ralco Agencies Ltd (RLCO)?
The market capitalisation of Ralco Agencies Ltd is 183M 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 Ralco Agencies Ltd (RLCO)?
The price-to-sales ratio of Ralco Agencies Ltd is 0.49 (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 Ralco Agencies Ltd (RLCO)?
Earnings per share at Ralco Agencies Ltd are 6.88 ILA (price ÷ EPS = P/E 5.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Ralco Agencies Ltd (RLCO)?
The net margin of Ralco Agencies Ltd is 8.2% (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 Ralco Agencies Ltd (RLCO)?
The return on equity (ROE) of Ralco Agencies Ltd is 28.4% (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 Ralco Agencies Ltd (RLCO)?
On an EBIT basis the return on assets of Ralco Agencies Ltd is 28.2% (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 Ralco Agencies Ltd (RLCO)?
The operating margin of Ralco Agencies Ltd is 14.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Ralco Agencies Ltd (RLCO)?
Revenue at Ralco Agencies Ltd is growing +10.1% versus a year earlier (3y avg +3.1%). 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 Ralco Agencies Ltd (RLCO)?
Earnings per share at Ralco Agencies Ltd are growing +64.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Ralco Agencies Ltd (RLCO) carry?
The net debt of Ralco Agencies Ltd is 30.3M ILA (fiscal year 2025, ≈ 1.8 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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