Ralco Agencies Ltd (RLCO) fair value: what the stock is really worth
As of Oct 29, 2026: fair value (intrinsic value) of Ralco Agencies Ltd stock ILS 112, price ILS 37.24, upside +200.0%, quality 64 out of 100. Rating: strongly undervalued. 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. As of Oct 29, 2026.
How to read this chart
60‑month range 15.27 ILS – 57.81 ILS · fair‑value band 73.30 ILS – 156.37 ILS · the 37.24 ILS price screens below the 111.72 ILS fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Oct 29, 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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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 37.24 ILS, while our model-based Fair Value estimate is 111.72 ILS, implying the stock looks roughly 66.7% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 155.19 ILS per share, and 23 of the 24 models we run sit above the 37.24 ILS price.
Bear case: the Asset-Based group reads lowest at 24.60 ILS, and 1 of the 24 models stay below the price. Data coverage for this calculation is low.
Scenario range: 73.30 ILS (bear) to 156.37 ILS (bull), the price of 37.24 ILS 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 153M ILS Micro · P/E ratio 5.1 · P/S ratio 0.50 · EPS (TTM) 7.34 ILS · Net margin 9.8% · Return on equity 31.1% · Return on assets (EBIT) 28.2% · Operating margin 12.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 68 out of 100 (low confidence).
What moves the price
The share trades about 26% below its 52-week high and 7% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Technology peers we cover trades at −10% fair-value upside, at 200%, RLCO screens cheaper than that median.
Fair Value models
Bear73.30 ILSFair Value 111.72 ILSBull156.37 ILS
Price 37.24 ILS · Upside +200.0%
Capped: our models arrive at a very high value here. We deliberately show a more cautious Fair Value.
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (6.11 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. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = 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.−0.7% vs 9.1%, 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%
Pace: the 5-year rate starts in 2020 (pandemic)
Growth Forecast
Little optimism in the price
The price assumes less growth than 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).
−1.2%
The company could shrink this much every year for the next five years and today's price would still be justified.
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 −3.2% 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 · 152 stocks
Beats the industry median on 11/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score64 · Top 25%
Fair Value upside+200.0% · Top 25%
Profitability
Return on equity (12 months)31.1% · Top 25%
Return on assets13.9% · Top 25%
Net margin (12 months)9.8% · Top 25%
Operating margin (12 months)12.9% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)−5.0% · Bottom 25%
Dividend yield (12 months)20.5% · Top 25%
Valuation Multiplesvs Electronics & Computer Distribution median · lower = cheaper
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Is Ralco Agencies Ltd (RLCO) overvalued or undervalued?
As of Oct 29, 2026, our model estimates a fair value of 111.72 ILS versus a price of 37.24 ILS, about +200% upside (undervalued).
What is the fair value of RLCO?
Our model-based fair value for Ralco Agencies Ltd is 111.72 ILS (as of Oct 29, 2026), built from audited fundamentals. The current price: 37.24 ILS.
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 111.72 ILS (as of Oct 29, 2026) from 24 valuation models. Cautious scenario 73.30 ILS, optimistic scenario 156.37 ILS. 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 111.72 ILS, about +200% upside versus a price of 37.24 ILS (undervalued). Cautious scenario 73.30 ILS, optimistic scenario 156.37 ILS. 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 306M ILS (latest available figure, as of Oct 29, 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 -1.2 % per year for five years (discount rate 10.1 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +4.6 % per year. As of Oct 29, 2026.
What discount rate (WACC) does the fair value of RLCO use?
Our models discount Ralco Agencies Ltd at 10.1 %: a base by market capitalisation (nano), damped by beta 0.03, 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 -1.2 % per year a year over ten years, using the same discount rate (10.1 %) 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 -1.2 % 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 +4.7 % a year. That is the yardstick for the growth priced into Ralco Agencies Ltd (-1.2 % 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 11.28 %: that much free cash flow Ralco Agencies Ltd produces per unit of market value. When it exceeds the discount rate of our models (10.1 %), 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 111.72 ILS per share (as of Oct 29, 2026), against a price of 37.24 ILS. 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 Oct 29, 2026, RLCO trades below its calculated fair value: price 37.24 ILS, fair value 111.72 ILS, a gap of about +200% (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 (37.24 ILS); the fair value is what the company's own numbers justify (111.72 ILS). For Ralco Agencies Ltd the two are 74.48 ILS 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 153M ILS (market capitalisation, as of Oct 29, 2026). Per share that is 37.24 ILS; our models calculate a fair value of 111.72 ILS per share.
What do the bullish and bearish scenarios say about RLCO?
Our models span a range for Ralco Agencies Ltd: cautious scenario 73.30 ILS, base 111.72 ILS, optimistic 156.37 ILS per share (as of Oct 29, 2026, price 37.24 ILS). 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 5.1 (as of Oct 29, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 111.72 ILS is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 6.2. Other multiples: P/B 1.4, P/S 0.5, EV/EBITDA 3.2.
How solid is the balance sheet of Ralco Agencies Ltd (RLCO)?
Balance-sheet figures for Ralco Agencies Ltd (as of Oct 29, 2026): return on equity 31.1%. 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 37.24 ILS, about 26% below its 52-week high of 50.26 ILS and 7% above the low of 34.92 ILS (as of Oct 29, 2026). Distance from the high says nothing about value: that is what the fair value of 111.72 ILS is for.
Which stocks are comparable to Ralco Agencies Ltd?
From the same area (Technology) we also value TD SYNNEX Corporation, Arrow Electronics, Inc, Rexel S.A, Unisplendour 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 Ralco Agencies Ltd stock attractive at the current price?
The data as of Oct 29, 2026: price 37.24 ILS, calculated fair value 111.72 ILS (+200%), 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 111.72 ILS, 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 13.4 % above its aggregate fair value. Ralco Agencies Ltd currently trades 67 % 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 Oct 29, 2026 was 37.24 ILS. Our model-based fair value is 111.72 ILS, about +200% 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 (73.30 ILS). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. 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 (73.30 ILS to 156.37 ILS) 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 153M ILS. 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 0.50 (last twelve months). 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 7.34 ILS (price ÷ EPS = P/E 5.1). 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 9.8% (last twelve months). 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 31.1% (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 12.9% (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 −5.0% 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 +48.2% 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 ILS (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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Thin data
Oct 29, 2026