E.N. Shoham Business Ltd (SHOM) Fair Value & Analysis
Financial Services · Il · Market cap 298M ILA
Fair value as of: Jul 20, 2026
From 9 valuation models · updated 21 days ago
Fair value updated Jul 20, 2026, revised from 9.62 ILA to 9.64 ILA (+0.2%) since Jun 26, 2026. Share price −1.7% over the past month.
Below-average quality, screening 22% undervalued on our models.
What matters now
- The model range is unusually wide (6.40 ILA to 22.26 ILA). The outcome hinges heavily on assumptions, so read the point estimate with caution.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 20, 2026.
How to read this chart
60‑month range 3.15 ILA – 9.55 ILA · fair‑value band 6.40 ILA – 22.26 ILA · the 7.89 ILA price screens below the 9.64 ILA fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 20, 2026.
Analysis
E.N. Shoham Business Ltd (SHOM) currently trades at 7.89 ILA, while our model-based Fair Value estimate is 9.64 ILA, implying the stock looks roughly 22.3% undervalued today. The Quality Score stands at 44/100 (below-average 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: medium), always confirm before acting.
Over the trailing twelve months, E.N. Shoham Business Ltd generated revenue of 168M ILA at a net margin of 25.5%. Revenue grew 12.3% year over year. It earns a return on equity of 20.6%. Net debt stands at 760M ILA. Fundamentals as of Jul 20, 2026
Our scenario range runs from 6.40 ILA (bear case) to 22.26 ILA (bull case); at 7.89 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 Financial Services peers we cover trades at -41% fair-value upside, at 22%, SHOM 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.
All 9 models by family
Widest divergence: Earnings-Based (39.61 ILA) versus Asset-Based (3.89 ILA). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 20, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 36 · Market factors (momentum, volatility) 45
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
E.N. Shoham Business Ltd operates as an investment arm of Rubicon Business Group Ltd. It specializes in investments in the industry, retail, and real estate sectors. The firm seeks to invest in Israel and abroad. Isal Amlat was founded in 1987 and is based in Herzliya Pituach, Israel. E.N.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
E.N. Shoham Business Ltd reported revenue of 6.5M ILA in FY2025 versus 59.3M ILA in FY2021, a compound −42.5%/yr. Reported net income was 42.7M ILA in FY2025, compounding +16.5%/yr from FY2021.
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Peer Group
Credit Services · 331 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.
Valuation Multiples vs Credit Services median · lower = cheaper
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.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jul 20, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $348.97 | $204.19 | -41% |
| Mastercard Incorporated MA | $537.70 | $221.87 | -59% |
| American Express Company AXP | $358.44 | $206.40 | -42% |
| Bajaj Finance Limited BAJFINANCE | ₹1,056 | ₹397.61 | -62% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,024 | ₹553.83 | -46% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,808 | ₹796.52 | -56% |
| Tata Capital Limited TATACAP | ₹360.60 | ₹229.85 | -36% |
| Power Finance Corporation PFC | ₹405.10 | ₹810.20 | +100% |
| Muthoot Finance Limited MUTHOOTFIN | ₹3,129 | ₹3,463 | +11% |
| Indian Railway Finance Corporation IRFC | ₹88.41 | ₹69.72 | -21% |
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Frequently asked questions
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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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