Zur Shamir Holdings Ltd (ZUR) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Zur Shamir Holdings Ltd stock ILS 13.18, price ILS 10.70, upside +23.2%, quality 41 out of 100. Rating: undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
60‑month range 2.64 ILS – 14.18 ILS · fair‑value band 10.78 ILS – 17.97 ILS · the 10.70 ILS price screens below the 13.18 ILS fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 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.
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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 10.70 ILS, while our model-based Fair Value estimate is 13.18 ILS, implying the stock looks roughly 19% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 14.37 ILS per share, and 2 of the 6 models we run sit above the 10.70 ILS price.
Bear case: the Asset-Based group reads lowest at 1.53 ILS, and 4 of the 6 models stay below the price. Data coverage for this calculation is medium.
Scenario range: 10.78 ILS (bear) to 17.97 ILS (bull), the price of 10.70 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 41/100 (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 717M ILS Micro · P/E ratio 3.9 · P/S ratio 0.11 · EPS (TTM) 2.73 ILS · Dividend yield 11.8% · Net margin 2.9% · Return on equity 20.6% · Return on assets (EBIT) 4.7% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 55 out of 100 (low confidence).
What moves the price
The share trades about 25% below its 52-week high and 17% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −22% fair-value upside, at 23%, ZUR screens cheaper than that median.
Fair Value models
The price assumes far more growth than our models allow for, so the models scatter widely (1.53 ILS to 25.55 ILS). Read the Fair Value as a cautious anchor, not a price target; the Growth Forecast section shows what the price assumes.
Bear10.78 ILSFair Value 13.18 ILSBull17.97 ILS
Price 10.70 ILS · Upside +23.2%
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 (1.26 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.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.
≈ +12.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+1.1%
Dividend (yield on the price)11.8%
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.0.6% vs 23.0%, 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%
Pace: the 5-year rate starts in 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 · 100 stocks
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Is Zur Shamir Holdings Ltd (ZUR) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of 13.18 ILS versus a price of 10.70 ILS, about +23% upside (undervalued).
What is the fair value of ZUR?
Our model-based fair value for Zur Shamir Holdings Ltd is 13.18 ILS (as of Nov 8, 2026), built from audited fundamentals. The current price: 10.70 ILS.
What is the quality score of ZUR?
Zur Shamir Holdings Ltd has a Quality Score of 41/100. 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 13.18 ILS (as of Nov 8, 2026) from 6 valuation models. Cautious scenario 10.78 ILS, optimistic scenario 17.97 ILS. 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 13.18 ILS, about +23% upside versus a price of 10.70 ILS (undervalued). Cautious scenario 10.78 ILS, optimistic scenario 17.97 ILS. 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 6.4B ILS (latest available figure, as of Nov 8, 2026).
Does Zur Shamir Holdings Ltd pay a dividend?
Zur Shamir Holdings Ltd currently shows a dividend yield of 11.77% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of Zur Shamir Holdings Ltd (ZUR) and when is the ex-dividend date?
Zur Shamir Holdings Ltd pays a dividend of 1.26 ILS per share a year, a dividend yield of 11.8%. The last ex-dividend date was Sep 4, 2026. A dividend has been paid every year since 2010. The payout ratio is 46.1% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
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 13.18 ILS per share (as of Nov 8, 2026), against a price of 10.70 ILS. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Zur Shamir Holdings Ltd stock overvalued or undervalued in 2026?
As of Nov 8, 2026, ZUR trades below its calculated fair value: price 10.70 ILS, fair value 13.18 ILS, a gap of about +23% (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 ZUR?
No. The price is what the market pays today (10.70 ILS); the fair value is what the company's own numbers justify (13.18 ILS). For Zur Shamir Holdings Ltd the two are 2.48 ILS 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 717M ILS (market capitalisation, as of Nov 8, 2026). Per share that is 10.70 ILS; our models calculate a fair value of 13.18 ILS per share.
What do the bullish and bearish scenarios say about ZUR?
Our models span a range for Zur Shamir Holdings Ltd: cautious scenario 10.78 ILS, base 13.18 ILS, optimistic 17.97 ILS per share (as of Nov 8, 2026, price 10.70 ILS). 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 3.9 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 13.18 ILS is built from several models across several years. Median P/E at fiscal year-end, 9 fiscal years (2016 to 2025), reported earnings: 10.3. Other multiples: P/B 0.9, P/S 0.4, EV/EBITDA 14.3.
How solid is the balance sheet of Zur Shamir Holdings Ltd (ZUR)?
Balance-sheet figures for Zur Shamir Holdings Ltd (as of Nov 8, 2026): return on equity 20.6%, debt of 7.13 per unit of equity. They feed the Quality Score of 41/100, which measures business quality independently of the share price.
How far is ZUR from its 52-week high?
Zur Shamir Holdings Ltd trades at 10.70 ILS, about 25% below its 52-week high of 14.18 ILS and 17% above the low of 9.13 ILS (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 13.18 ILS is for.
Which stocks are comparable to Zur Shamir Holdings Ltd?
From the same area (Financial Services) we also value Chubb Limited, The Progressive Corporation, 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 Nov 8, 2026: price 10.70 ILS, calculated fair value 13.18 ILS (+23%), Quality Score 41/100, 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 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 13.18 ILS builds on their evidence-weighted average, 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 13.3% above its aggregate fair value. Zur Shamir Holdings Ltd currently trades 19% 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 Nov 6, 2026 was 10.70 ILS. Our model-based fair value is 13.18 ILS, about +23% upside (undervalued). 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?
For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly. The price sits below our cautious bear case: the market assumes less than even our pessimistic scenario. Read the verdict with care: some models are missing inputs, so the estimate scatters more than usual.
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 717M 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 Zur Shamir Holdings Ltd (ZUR)?
The price-to-sales ratio of Zur Shamir Holdings Ltd is 0.11 (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 Zur Shamir Holdings Ltd (ZUR)?
Earnings per share at Zur Shamir Holdings Ltd are 2.73 ILS (price ÷ EPS = P/E 3.9). 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 11.8% (payout 46.1%). 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 2.9% (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 Zur Shamir Holdings Ltd (ZUR)?
The return on equity (ROE) of Zur Shamir Holdings Ltd is 20.6% (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 23.4% (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 +2.2% 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 +66.7% 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 ILS (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 ILS (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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Nov 8, 2026