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Ralco Agencies Ltd (RLCO) Fair Value & Analysis

Technology · Il · Market cap 183M ILA

RA Ralco Agencies Ltd RLCO · TA
Price44.93 ILA
Fair Value80.86 ILA
Upside+80.0%
Quality64/100
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Mixed Growth
Thin margins · 9.1% net margin
Low debt · generates free cash flow
Ranks above peers (11/14)
Wide moat 70/100
Evidence: High Range 57.09 ILA – 111.33 ILA Share as image

Fair value as of: Jul 15, 2026

From 25 valuation models · updated 26 days ago

Fair value updated Jul 15, 2026, revised from 72.43 ILA to 80.86 ILA (+11.6%) since Jun 24, 2026. Share price −4.0% over the past month.

A solid business, screening 80% undervalued on our models.

What matters now

  • The price is below even our cautious bear case (57.09 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 (57.09 ILA to 111.33 ILA) leaves room in how you read the outcome.
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Price vs Fair Value (5 years)

61.81 ILA 14.74 ILA Fair Value 80.86 ILA Mar 2021 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 15, 2026.

How to read this chart

60‑month range 14.74 ILA – 61.81 ILA · fair‑value band 57.09 ILA – 111.33 ILA · the 44.93 ILA price screens below the 80.86 ILA fair value. Dashed = 300-day average. As of Jul 15, 2026.

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Analysis

Ralco Agencies Ltd (RLCO) currently trades at 44.93 ILA, while our model-based Fair Value estimate is 80.86 ILA, implying the stock looks roughly 80.0% undervalued today. The Quality Score stands at 64/100 (solid quality), in the Technology 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, Ralco Agencies Ltd generated revenue of 309M ILA at a net margin of 9.1%. Revenue grew 10.1% year over year. It earns a return on equity of 28.4%. Net debt stands at 30.3M ILA. Fundamentals as of Jul 15, 2026

Our scenario range runs from 57.09 ILA (bear case) to 111.33 ILA (bull case); at 44.93 ILA, the current price sits below 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 Technology peers we cover trades at -33% fair-value upside, at 80%, RLCO 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
Growth DCF 33.02 ILA 41.12 ILA 49.89 ILA 80
Residual Income 30.03 ILA 36.63 ILA 70.68 ILA 76
Rev-Margin DCF 46.21 ILA 71.03 ILA 96.82 ILA 74
All 25 models by family
DCF Models
FCF DCF 32.55 ILA 41.38 ILA 51.31 ILA 38
Owner Earnings 50.45 ILA 64.14 ILA 79.55 ILA 31
5Y Revenue Exit 46.21 ILA 70.62 ILA 100.41 ILA 39
5Y EBITDA Exit 62.83 ILA 99.62 ILA 140.24 ILA 41
5Y P/E Exit 62.21 ILA 98.53 ILA 134.12 ILA 38
10Y Revenue Exit 38.23 ILA 56.46 ILA 78.45 ILA 36
10Y EBITDA Exit 48.34 ILA 73.06 ILA 102.82 ILA 37
10Y P/E Exit 48.01 ILA 72.43 ILA 99.08 ILA 35
Earnings-Based
Graham-Dodd 41.38 ILA 86.76 ILA 109.81 ILA 54
PEG = 1.0 12.95 ILA 18.50 ILA 24.05 ILA 46
EPV 64.88 ILA 72.65 ILA 78.97 ILA 59
Dividend Discount
Gordon GGM 51.18 ILA 69.08 ILA 84.42 ILA 70
DDM Multi-Stage 51.18 ILA 66.91 ILA 81.54 ILA 61
Multiples
P/E Multiple 100.41 ILA 133.88 ILA 167.35 ILA 63
P/S Multiple 66.45 ILA 88.60 ILA 110.75 ILA 58
P/B Multiple 77.59 ILA 103.45 ILA 129.32 ILA 55
EV/EBIT 146.32 ILA 195.06 ILA 243.81 ILA 53
EV/EBITDA 101.80 ILA 135.72 ILA 169.63 ILA 54
EV/Revenue 62.09 ILA 88.67 ILA 115.25 ILA 43
Asset-Based
NCAV (Graham) 13.20 ILA 17.68 ILA 26.39 ILA 50
Growth DCF
Growth DCF 33.02 ILA 41.12 ILA 49.89 ILA 80
Rev-Margin DCF 46.21 ILA 71.03 ILA 96.82 ILA 74
Economic Profit
Residual Income 30.03 ILA 36.63 ILA 70.68 ILA 76
ROIC Compounder 66.32 ILA 75.97 ILA 84.89 ILA 72
Growth Earnings
Growth-Adj P/E 73.48 ILA 104.97 ILA 136.46 ILA 68

Widest divergence: Growth Earnings (104.97 ILA) versus Asset-Based (17.68 ILA). Highest evidence: Growth DCF (80).

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Key figures & financial health

Revenue (TTM) 309M ILA
Revenue growth (YoY) +10.1%
Net margin 9.1%
Return on equity 28.4%
Free cash flow 17.2M ILA FY2025
P/E ratio 6.8
More key figures
Operating margin 14.8%
EPS (TTM) 6.88 ILA
EPS growth (YoY) +64.5%
Net debt 30.3M ILA FY2025

Figures from reported company fundamentals · as of Jul 15, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 64/100

Of which business quality 62 · Market factors (momentum, volatility) 44

Profitability 77
Margins and returns on capital today
Quality Growth 15
Are margins and returns improving?
Cashflow 45
Earnings quality: real cash, not paper profit
Fin. Strength 69
Balance sheet, leverage, solvency risk
Investment 91
Disciplined investing over empire-building
Low Volatility 74
Calm price path (market factor)
Momentum 37
Price trend over the last 3–12 months (market factor)
52W Momentum 23
Distance to the 52-week high (market factor)
Net Issuance 81
Buybacks instead of dilution

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.

About the company

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.

Full company description

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.

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

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Ralco Agencies Ltd reported revenue of 301M ILA in FY2025 versus 270M ILA in FY2021, a compound +2.8%/yr. Reported net income was 24.8M ILA in FY2025, compounding −10.2%/yr from FY2021.

Growth Quality 54/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Latest Revenue (FY 2025)
301M ILS
Latest YoY
−7.5%
Avg. 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.
+3.1%
Avg. 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.
+4.5%
Avg. growth/yr (24Y) 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.
+3.8%
Revenue +2.8%/yr
FY21 270M ILA
FY22 275M ILA
FY23 272M ILA
FY24 326M ILA
FY25 301M ILA
Net income −10.2%/yr
FY21 38.2M ILA
FY22 25.4M ILA
FY23 22.9M ILA
FY24 36.6M ILA
FY25 24.8M ILA
Character of growth · EPS growth decomposed (2014-2025) +11.1 % p.a.
Revenue per share +3.0 pp

of which total revenue +3.1 pp · buybacks/dilution −0.1 pp

EBIT margin +4.9 pp
Tax rate +0.8 pp
Residual (interest, one-offs) +2.3 pp

Absolute contributions in percentage points per year; they sum to the EPS growth rate. Start and end points are 3-year averages (details on hover).

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Cite: Fair Value Calculator (2026). "Ralco Agencies Ltd Fair Value". https://www.fairvalue-calculator.com/stock/RLCO

Peer Group

Electronics & Computer Distribution · 151 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 64 · Top 25%
Fair Value upside +80% · Top 25%
Return on equity (TTM) 28% · Top 25%
Return on assets 16% · Top 25%
Net margin (TTM) 9% · Top 25%
Operating margin (TTM) 15% · Top 25%
Revenue growth 10% · Below median
Dividend yield (TTM) 0.0% · Bottom 25%

Valuation Multiples vs Electronics & Computer Distribution median · lower = cheaper

P/E (TTM) 6.5× · Cheaper than 75% of peers
P/B 0.56× · Cheaper than median
P/S (TTM) 0.19× · Cheaper than median
P/FCF 3.5× · Pricier than median
EV/EBITDA 1.2× · 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.

VALUE 100 · sector 14
FUTURE 51 · sector 57
PAST 100 · sector 36
HEALTH 100 · sector 98
DIVIDEND 0 · sector 39

Insider activity: 40/100

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

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Electronics & Computer Distribution stocks, each showing price versus our Fair Value estimate (as of Jul 15, 2026).

Stock Price Fair Value vs Fair Value
TD SYNNEX Corporation SNX $251.52 $207.02 -18%
Unisplendour Corporation 000938 ¥38.59 ¥11.79 -69%
Rexel S.A RXL €38.59 €33.31 -14%
Arrow Electronics, Inc ARW $204.10 $115.40 -43%
Avnet, Inc AVT $87.13 $58.57 -33%
WPG Holdings 3702 106.50 TWD 102.31 TWD -4%
Shenzhen Huaqiang Industry Co 000062 ¥22.37 ¥7.52 -66%
Synnex Technology International Corporation 2347 85.30 TWD 86.30 TWD +1%
Nanjing Sunlord Electronics Corporation 300975 ¥37.37 ¥8.60 -77%
Beijing Tricolor Technology Co 603516 ¥106.52 ¥23.39 -78%

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Frequently asked questions

Is Ralco Agencies Ltd (RLCO) overvalued or undervalued?
As of Jul 15, 2026, our model estimates a fair value of 80.86 ILA versus a price of 44.93 ILA, about +80% (undervalued).
What is the fair value of RLCO?
Our model-based fair value for Ralco Agencies Ltd is 80.86 ILA (as of Jul 15, 2026), built from audited fundamentals. The current price is 44.93 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 revenue of Ralco Agencies Ltd (RLCO)?
Ralco Agencies Ltd reported trailing-twelve-month revenue of about 309M ILS (latest available figure, as of Jul 15, 2026).
What is the net profit margin of RLCO?
The net profit margin of Ralco Agencies Ltd is about 9.1%, meaning it keeps roughly 9.1% of revenue as net income. Based on the latest reported figures.

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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