Zur Shamir Holdings Ltd (ZUR) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Zur Shamir Holdings Ltd ILS 13.12, price ILS 12.56, upside +4.5%, quality 42 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 2.64 ILA – 14.18 ILA · fair‑value band 10.79 ILA – 17.98 ILA · the 12.56 ILA price screens below the 13.12 ILA fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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Zur Shamir Holdings Ltd, through its subsidiaries, engages in the insurance, consumer credit, real estate, and financial services in Israel. It also provides car, property, life, and health insurance products; mortgages; car loans; and real estate solutions, such as office spaces and co-working environments.
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Zur Shamir Holdings Ltd, through its subsidiaries, engages in the insurance, consumer credit, real estate, and financial services in Israel. It also provides car, property, life, and health insurance products; mortgages; car loans; and real estate solutions, such as office spaces and co-working environments. In addition, the company offers general, life insurance and savings, personal disability, compulsory car, motor vehicle property, medical expenses and hospitalization, personal accident, critical illness, overseas travel, and other health insurance products. Further, it is involved in the provision of solo loans; loans for the purchase of vehicles to private customers; loans backed by a lien on vehicles; and loans for the purpose of supplementing vehicle loans, as well as investment in real estate assets. The company was formerly known as Zur and changed to its name to Zur Shamir Holdings Ltd in February 1997. Zur Shamir Holdings Ltd was incorporated in 1959 and is based in Petah Tikva, Israel.
Stock analysis
Zur Shamir Holdings Ltd (ZUR) currently trades at 12.56 ILA, while our model-based Fair Value estimate is 13.12 ILA, implying the stock looks roughly 4.3% fairly valued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 16.46 ILA per share, and 3 of the 6 models we run sit above the 12.56 ILA price.
Bear case: the Dividend Discount group reads lowest at 7.44 ILA, and 3 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: 10.79 ILA (bear) to 17.98 ILA (bull), the price of 12.56 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 42/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Zur Shamir Holdings Ltd reported revenue of 6.2B ILS in FY2025 versus 3.2B ILS in FY2021, a compound +17.5%/yr. Reported net income was 129M ILS in FY2025, compounding −0.9%/yr from FY2021.
Key figures
Market cap 818M ILA · P/E ratio 5.0 · P/S ratio 0.10 · EPS (TTM) 2.52 ILA · Dividend yield 5.4% · Net margin 2.1% · Return on equity 12.9% · Return on assets (EBIT) 4.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 11% below its 52-week high and 44% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −10% fair-value upside, at 4%, ZUR screens cheaper than that median.
Fair Value models
Bear 10.79 ILAFair Value 13.12 ILABull 17.98 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 (1.35 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.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+17.1%
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.
+19.4%
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.
+16.5%
Start year 2020 (pandemic). Over 10 years: +11.0% a year
Revenue growth 25 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.
+12.0%
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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. Basis: EBIT basis.
≈ +6.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+1.1%
Dividend (yield on the price)5.4%
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 23%, 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.24% → 13%
Start year 2020 (pandemic)
⚠ Rate on operating basis: 2025 sits 166% above its own trend.
Compare Zur Shamir Holdings Ltd with another stock
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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.Insurance - Property & Casualty · 119 stocks
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Is Zur Shamir Holdings Ltd (ZUR) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 13.12 ILA versus a price of 12.56 ILA, about +4% upside (fairly valued).
What is the fair value of ZUR?
Our model-based fair value for Zur Shamir Holdings Ltd is 13.12 ILA (as of Sep 24, 2026), built from audited fundamentals. The current price: 12.56 ILA.
What is the quality score of ZUR?
Zur Shamir Holdings Ltd has a Quality Score of 42/100. 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 Zur Shamir Holdings Ltd (ZUR)?
Our model-based price target is the fair value of 13.12 ILA (as of Sep 24, 2026) from 6 valuation models. Cautious scenario 10.79 ILA, optimistic scenario 17.98 ILA. It is a calculation from audited fundamentals, not an analyst target.
What is the Zur Shamir Holdings Ltd stock forecast for 2026?
Our models put fair value at 13.12 ILA, about +4% upside versus a price of 12.56 ILA (fairly valued). Cautious scenario 10.79 ILA, optimistic scenario 17.98 ILA. The calculation is refreshed regularly with new filings.
What is the revenue of Zur Shamir Holdings Ltd (ZUR)?
Zur Shamir Holdings Ltd reported trailing-twelve-month revenue of about 5.9B ILS (latest available figure, as of Sep 24, 2026).
Does Zur Shamir Holdings Ltd pay a dividend?
Zur Shamir Holdings Ltd currently shows a dividend yield of about 5.42% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Zur Shamir Holdings Ltd (ZUR)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Zur Shamir Holdings Ltd it is 13.12 ILA per share (as of Sep 24, 2026), against a price of 12.56 ILA. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Zur Shamir Holdings Ltd stock overvalued or undervalued in 2026?
As of Sep 24, 2026, ZUR trades below its calculated fair value: price 12.56 ILA, fair value 13.12 ILA, a gap of about +4% (fairly valued). 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 ZUR?
No. The price is what the market pays today (12.56 ILA); the fair value is what the company's own numbers justify (13.12 ILA). For Zur Shamir Holdings Ltd the two are 0.5600 ILA per share apart. That gap is exactly why we show both numbers side by side.
How much is Zur Shamir Holdings Ltd worth?
The market values Zur Shamir Holdings Ltd at about 818M ILA (market capitalisation, as of Sep 24, 2026). Per share that is 12.56 ILA; our models calculate a fair value of 13.12 ILA per share.
What do the bullish and bearish scenarios say about ZUR?
Our models span a range for Zur Shamir Holdings Ltd: cautious scenario 10.79 ILA, base 13.12 ILA, optimistic 17.98 ILA per share (as of Sep 24, 2026, price 12.56 ILA). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of ZUR?
Zur Shamir Holdings Ltd trades at a price-to-earnings ratio of 5.0 (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 13.12 ILA is built from several models across several years. Other multiples: P/B 0.4, P/S 0.0, EV/EBITDA 3.1.
How solid is the balance sheet of Zur Shamir Holdings Ltd (ZUR)?
Balance-sheet figures for Zur Shamir Holdings Ltd (as of Sep 24, 2026): return on equity 12.9%, debt of 7.13 per unit of equity. They feed the Quality Score of 42/100, which measures business quality independently of the share price.
How far is ZUR from its 52-week high?
Zur Shamir Holdings Ltd trades at 12.56 ILA, about 11% below its 52-week high of 14.18 ILA and 44% above the low of 8.73 ILA (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 13.12 ILA is for.
Which stocks are comparable to Zur Shamir Holdings Ltd?
From the same area (Financial Services) we also value The Progressive Corporation, Chubb Limited, The Travelers Companies, Inc, The Allstate 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 Zur Shamir Holdings Ltd stock attractive at the current price?
The data as of Sep 24, 2026: price 12.56 ILA, calculated fair value 13.12 ILA (+4%), Quality Score 42/100, from 6 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 ZUR calculated?
We run Zur Shamir Holdings Ltd through 6 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 13.12 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. Zur Shamir Holdings Ltd currently trades 4 % 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 Zur Shamir Holdings Ltd (ZUR)?
The closing price on Sep 24, 2026 was 12.56 ILA. Our model-based fair value is 13.12 ILA, about +4% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Zur Shamir Holdings Ltd right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Zur Shamir Holdings Ltd
How large is the market capitalisation of Zur Shamir Holdings Ltd (ZUR)?
The market capitalisation of Zur Shamir Holdings Ltd is 818M 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 Zur Shamir Holdings Ltd (ZUR)?
The price-to-sales ratio of Zur Shamir Holdings Ltd is 0.10 (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 Zur Shamir Holdings Ltd (ZUR)?
Earnings per share at Zur Shamir Holdings Ltd are 2.52 ILA (price ÷ EPS = P/E 5.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Zur Shamir Holdings Ltd (ZUR)?
The dividend yield of Zur Shamir Holdings Ltd is 5.4% (payout 27.0%). 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 Zur Shamir Holdings Ltd (ZUR)?
The net margin of Zur Shamir Holdings Ltd is 2.1% (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 Zur Shamir Holdings Ltd (ZUR)?
The return on equity (ROE) of Zur Shamir Holdings Ltd is 12.9% (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 Zur Shamir Holdings Ltd (ZUR)?
On an EBIT basis the return on assets of Zur Shamir Holdings Ltd is 4.7% (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 Zur Shamir Holdings Ltd (ZUR)?
The operating margin of Zur Shamir Holdings Ltd is 21.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Zur Shamir Holdings Ltd (ZUR)?
Revenue at Zur Shamir Holdings Ltd is growing +7.8% versus a year earlier (3y avg +19.4%). 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 Zur Shamir Holdings Ltd (ZUR)?
Earnings per share at Zur Shamir Holdings Ltd are growing +407% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Zur Shamir Holdings Ltd (ZUR) generate?
The free cash flow of Zur Shamir Holdings Ltd is −45.1M ILA (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Zur Shamir Holdings Ltd (ZUR) carry?
The net debt of Zur Shamir Holdings Ltd is 13.7B ILA (fiscal year 2025). 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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