Automatic Bank Services Ltd (SHVA) fair value: what the stock is really worth
As of Sep 28, 2026: fair value of Automatic Bank Services Ltd ILS 17.17, price ILS 20.47, upside -16.1%, quality 67 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 27, 2026.
How to read this chart
60‑month range 9.66 ILA – 27.97 ILA · fair‑value band 8.83 ILA – 29.92 ILA · the 20.47 ILA price screens above the 17.17 ILA fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 27, 2026.
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Automatic Bank Services Limited provides transaction infrastructure and financial information solutions in Israel.
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Automatic Bank Services Limited provides transaction infrastructure and financial information solutions in Israel. The company offers ASHRAIT, a software designed to perform credit card transactions at business sites; 3DSecure that provides security and protection for businesses; SHVA Standing Orders, a solution for standing payments; tap on phone (TOP); closed loop payments (CLP); and SHVA Insights which provides summary data for financial, business, and research decisions. It also provides ATM and payment cards solutions. Automatic Bank Services Limited was incorporated in 1978 and is based in Holon, Israel.
Stock analysis
Automatic Bank Services Ltd (SHVA) currently trades at 20.47 ILA, while our model-based Fair Value estimate is 17.17 ILA, implying the stock looks roughly 19.2% overvalued today.
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Valuation
Bull case: the Growth Earnings group reads highest at a median of 23.99 ILA per share, and 9 of the 26 models we run sit above the 20.47 ILA price.
Bear case: the Asset-Based group reads lowest at 4.10 ILA, and 17 of the 26 models stay below the price. Evidence for this calculation is high.
Scenario range: 8.83 ILA (bear) to 29.92 ILA (bull), the price of 20.47 ILA sits inside 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 67/100 (solid quality), in the Technology sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Automatic Bank Services Ltd reported revenue of 157M ILS in FY2025 versus 110M ILS in FY2021, a compound +9.2%/yr. Reported net income was 45.3M ILS in FY2025, compounding +0.4%/yr from FY2021.
Key figures
Market cap 982M ILA · P/E ratio 19.7 · P/S ratio 5.67 · EPS (TTM) 1.04 ILA · Dividend yield 3.7% · Net margin 28.8% · Return on equity 18.1% · Return on assets (EBIT) 17.6%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 52 out of 100 (low confidence).
What moves the price
The share trades about 27% below its 52-week high and 10% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Technology peers we cover trades at −22% fair-value upside, at −16%, SHVA screens cheaper than that median.
Fair Value models
Bear 8.83 ILAFair Value 17.17 ILABull 29.92 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 (0.2169 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.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.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+3.6%
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.
+10.2%
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.
+13.0%
Start year 2020 (pandemic). Over 10 years: +11.4% a year
Revenue growth 12 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.
+10.9%
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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.
+13.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+9.3%
Dividend (yield on the price)3.7%
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.9.3% vs 10.6%, steady
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.39% → 30%
Start year 2020 (pandemic)
Growth Forecast
A lot of optimism in the price
The price assumes more 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).
+34.7%
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 +31.9% a year for the price.
Compare Automatic Bank Services Ltd with another stock
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.Software - Infrastructure · 370 stocks
Beats the industry median on 7/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score67 · Top 25%
Fair Value upside−16.1% · Below median
Profitability
Return on equity (TTM)18.1% · Top 25%
Return on assets8.6% · Top 25%
Net margin (TTM)26.6% · Top 25%
Operating margin (TTM)22.0% · Top 25%
Growth and dividend
Revenue growth0.7% · Below median
Dividend yield (TTM)3.7% · Above median
Valuation Multiplesvs Software - Infrastructure median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Automatic Bank Services Ltd Fair Value". https://www.fairvalue-calculator.com/stock/SHVA
Frequently asked questions
Is Automatic Bank Services Ltd (SHVA) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of 17.17 ILA versus a price of 20.47 ILA, about −16% upside (overvalued).
What is the fair value of SHVA?
Our model-based fair value for Automatic Bank Services Ltd is 17.17 ILA (as of Sep 27, 2026), built from audited fundamentals. The current price: 20.47 ILA.
What is the quality score of SHVA?
Automatic Bank Services Ltd has a Quality Score of 67/100. 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 Automatic Bank Services Ltd (SHVA)?
Our model-based price target is the fair value of 17.17 ILA (as of Sep 27, 2026) from 26 valuation models. Cautious scenario 8.83 ILA, optimistic scenario 29.92 ILA. It is a calculation from audited fundamentals, not an analyst target.
What is the Automatic Bank Services Ltd stock forecast for 2026?
Our models put fair value at 17.17 ILA, about −16% upside versus a price of 20.47 ILA (overvalued). Cautious scenario 8.83 ILA, optimistic scenario 29.92 ILA. The calculation is refreshed regularly with new filings.
What is the revenue of Automatic Bank Services Ltd (SHVA)?
Automatic Bank Services Ltd reported trailing-twelve-month revenue of about 157M ILS (latest available figure, as of Sep 27, 2026).
Does Automatic Bank Services Ltd pay a dividend?
Automatic Bank Services Ltd currently shows a dividend yield of about 3.66% relative to its recent price (as of Sep 27, 2026).
What growth is priced into Automatic Bank Services Ltd (SHVA)?
For today's price to be fair in a discounted-cash-flow model, Automatic Bank Services Ltd would have to grow free cash flow by +34.7 % per year for five years (discount rate 11.8 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +13.0 % per year. As of Sep 27, 2026.
What discount rate (WACC) does the fair value of SHVA use?
Our models discount Automatic Bank Services Ltd at 11.8 %: a base by market capitalisation (small), damped by beta 0.61, 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 Automatic Bank Services Ltd that is +34.7 % per year a year over ten years, using the same discount rate (11.8 %) and the same formula as our fair value.
How much growth has Automatic Bank Services Ltd (SHVA) delivered so far?
Over the past 5 years revenue at Automatic Bank Services Ltd grew +13.0 % a year. The price currently implies +34.7 % 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 Automatic Bank Services Ltd (SHVA) growing?
The median revenue growth in the sector is +8.7 % a year. That is the yardstick for the growth priced into Automatic Bank Services Ltd (+34.7 % 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 Automatic Bank Services Ltd (SHVA)?
The free-cash-flow yield on the price is 1.50 %: that much free cash flow Automatic Bank Services Ltd produces per unit of market value. When it exceeds the discount rate of our models (11.8 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Automatic Bank Services Ltd (SHVA)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Automatic Bank Services Ltd it is 17.17 ILA per share (as of Sep 27, 2026), against a price of 20.47 ILA. It is the blended result of 26 valuation models (cash flow, earnings, asset, dividend).
Is Automatic Bank Services Ltd stock overvalued or undervalued in 2026?
As of Sep 27, 2026, SHVA trades above its calculated fair value: price 20.47 ILA, fair value 17.17 ILA, a gap of about −16% (overvalued). 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 SHVA?
No. The price is what the market pays today (20.47 ILA); the fair value is what the company's own numbers justify (17.17 ILA). For Automatic Bank Services Ltd the two are 3.30 ILA per share apart. That gap is exactly why we show both numbers side by side.
How much is Automatic Bank Services Ltd worth?
The market values Automatic Bank Services Ltd at about 982M ILA (market capitalisation, as of Sep 27, 2026). Per share that is 20.47 ILA; our models calculate a fair value of 17.17 ILA per share.
What do the bullish and bearish scenarios say about SHVA?
Our models span a range for Automatic Bank Services Ltd: cautious scenario 8.83 ILA, base 17.17 ILA, optimistic 29.92 ILA per share (as of Sep 27, 2026, price 20.47 ILA). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of SHVA?
Automatic Bank Services Ltd trades at a price-to-earnings ratio of 19.7 (as of Sep 27, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 17.17 ILA is built from several models across several years. Other multiples: P/B 4.0, P/S 6.2, EV/EBITDA 19.4.
How solid is the balance sheet of Automatic Bank Services Ltd (SHVA)?
Balance-sheet figures for Automatic Bank Services Ltd (as of Sep 27, 2026): return on equity 18.1%. They feed the Quality Score of 67/100, which measures business quality independently of the share price.
How far is SHVA from its 52-week high?
Automatic Bank Services Ltd trades at 20.47 ILA, about 27% below its 52-week high of 27.97 ILA and 10% above the low of 18.68 ILA (as of Sep 28, 2026). Distance from the high says nothing about value: that is what the fair value of 17.17 ILA is for.
Which stocks are comparable to Automatic Bank Services Ltd?
From the same area (Technology) we also value Microsoft Corporation, Palantir Technologies Inc, Oracle Corporation, CrowdStrike Holdings, 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 Automatic Bank Services Ltd stock attractive at the current price?
The data as of Sep 27, 2026: price 20.47 ILA, calculated fair value 17.17 ILA (−16%), Quality Score 67/100, from 26 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 SHVA calculated?
We run Automatic Bank Services Ltd through 26 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 17.17 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 15.9 % above its aggregate fair value. Automatic Bank Services Ltd itself currently trades above fair value. 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 Automatic Bank Services Ltd (SHVA)?
The closing price on Sep 28, 2026 was 20.47 ILA. Our model-based fair value is 17.17 ILA, about −16% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Automatic Bank Services Ltd right now?
The model range is unusually wide (8.83 ILA to 29.92 ILA). The outcome hinges heavily on assumptions, so read the point estimate with caution. Solid but not exceptional quality (67/100) and above fair value, neither a clear bargain nor a standout compounder.
Where does the earnings growth of Automatic Bank Services Ltd (SHVA) come from?
Earnings per share at Automatic Bank Services Ltd grew +6.3 % a year from 2014 to 2025. Broken into its drivers: revenue per share +12.1 %, EBIT margin +2.3 %, tax rate −0.4 %, residual (interest, one-offs) −7.0 %. 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 Automatic Bank Services Ltd
How large is the market capitalisation of Automatic Bank Services Ltd (SHVA)?
The market capitalisation of Automatic Bank Services Ltd is 982M 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 Automatic Bank Services Ltd (SHVA)?
The price-to-sales ratio of Automatic Bank Services Ltd is 5.67 (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 Automatic Bank Services Ltd (SHVA)?
Earnings per share at Automatic Bank Services Ltd are 1.04 ILA (price ÷ EPS = P/E 19.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Automatic Bank Services Ltd (SHVA)?
The dividend yield of Automatic Bank Services Ltd is 3.7% (payout 72.0%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Automatic Bank Services Ltd (SHVA)?
The net margin of Automatic Bank Services Ltd is 28.8% (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 Automatic Bank Services Ltd (SHVA)?
The return on equity (ROE) of Automatic Bank Services Ltd is 18.1% (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 Automatic Bank Services Ltd (SHVA)?
On an EBIT basis the return on assets of Automatic Bank Services Ltd is 17.6% (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 Automatic Bank Services Ltd (SHVA)?
The operating margin of Automatic Bank Services Ltd is 22.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Automatic Bank Services Ltd (SHVA)?
Revenue at Automatic Bank Services Ltd is growing +0.7% versus a year earlier (3y avg +10.2%). 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 Automatic Bank Services Ltd (SHVA)?
Earnings per share at Automatic Bank Services Ltd are growing −34.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Automatic Bank Services Ltd (SHVA) carry?
The net debt of Automatic Bank Services Ltd is 3.9M ILA (fiscal year 2025, ≈ 0.3 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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Broad data
Sep 27, 2026