Automatic Bank Services Ltd. (IL:SHVA)
TASE:SHVA
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Auto Bank Serv
(TASE:SHVA)
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Rating:73Outperform
Price Target:
2,741.00
▲(25.16% Upside)
Action:Upgraded
Date:05/24/26
The score is driven primarily by strong financial quality (high margins, rapid revenue growth, low leverage, solid ROE) but is held back by weak recent free-cash-flow conversion and decline in FCF. Technical indicators add caution due to negative momentum and trading below key short-term moving averages. Valuation is supportive, helped by a high dividend yield alongside a moderate P/E.
Positive Factors
High revenue growth and margins
Very strong TTM revenue growth (+56.5%) paired with exceptionally high gross and operating margins implies a scalable, high‑margin software infrastructure model. These durable fundamentals support sustained cash-earning capacity, pricing power, and reinvestment ability over the medium term.
Negative Factors
Weak free cash flow conversion
Free cash flow conversion is weak (FCF ~6.6M, ~23% of net income) and declined sharply year-over-year (-47.3%), suggesting higher reinvestment, capex, or working-capital absorption. Persistent low FCF limits capacity to return cash to shareholders or de-lever without external funding.
Read all positive and negative factors
Positive Factors
Negative Factors
High revenue growth and margins
Very strong TTM revenue growth (+56.5%) paired with exceptionally high gross and operating margins implies a scalable, high‑margin software infrastructure model. These durable fundamentals support sustained cash-earning capacity, pricing power, and reinvestment ability over the medium term.
Read all positive factors
Auto Bank Serv (SHVA) vs. iShares MSCI Israel ETF (EIS)
Market Cap
₪976.60M
Dividend Yield7.72%
Average Volume (3M)52.46K
Price to Earnings (P/E)23.3
Beta (1Y)0.92
Revenue Growth5.39%
EPS Growth-14.73%
CountryIL
Employees130
SectorServices
Sector StrengthN/A
IndustrySoftware - Infrastructure
Share Statistics
EPS (TTM)N/A
Shares Outstanding40,041,010
10 Day Avg. Volume32,788
30 Day Avg. Volume52,462
Financial Highlights & Ratios
PEG Ratio-1.72
Price to Book (P/B)3.24
Price to Sales (P/S)5.07
P/FCF Ratio65.47
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Auto Bank Serv Business Overview & Revenue Model
Company Description
Automatic Bank Services Limited, based in Holon, Israel, plays a crucial role in the nation's financial infrastructure. The company manages payment processing systems for international debit cards across Israel. It also furnishes the essential inf...
How the Company Makes Money
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Auto Bank Serv Financial Statement Overview
Summary
Income Statement
86
Very Positive
Balance Sheet
90
Very Positive
Cash Flow
68
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 157.86M | 156.98M | 151.46M | 134.92M | 117.28M | 110.41M |
| Gross Profit | 157.73M | 156.98M | 133.52M | 120.88M | 109.63M | 104.97M |
| EBITDA | 70.36M | 74.03M | 75.41M | 58.14M | 41.85M | 64.64M |
| Net Income | 41.86M | 45.26M | 50.91M | 38.22M | 24.09M | 44.56M |
Balance Sheet | ||||||
| Total Assets | 306.67M | 301.01M | 306.18M | 275.05M | 253.93M | 241.32M |
| Cash, Cash Equivalents and Short-Term Investments | 162.06M | 150.87M | 191.91M | 171.62M | 175.58M | 180.70M |
| Total Debt | 18.89M | 19.41M | 19.75M | 20.33M | 21.37M | 12.17M |
| Total Liabilities | 83.88M | 55.27M | 47.01M | 43.68M | 41.48M | 34.51M |
| Stockholders Equity | 222.79M | 245.75M | 259.18M | 231.37M | 212.45M | 206.81M |
Cash Flow | ||||||
| Free Cash Flow | 6.57M | 12.16M | 40.95M | 15.44M | 32.44M | 41.36M |
| Operating Cash Flow | 45.48M | 53.83M | 59.97M | 31.70M | 47.13M | 43.08M |
| Investing Cash Flow | -7.83M | -18.64M | -6.51M | -27.49M | -29.11M | -22.04M |
| Financing Cash Flow | -62.43M | -62.35M | -27.24M | -24.32M | -23.91M | -26.56M |
Auto Bank Serv Technical Analysis
Neutral
2190.00
Price Trends
2510.92
Negative
2480.41
Negative
2268.94
Positive
Market Momentum
-44.56
Positive
47.23
Neutral
40.17
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IL:SHVA, the sentiment is Neutral. The current price of 2190 is below the 20-day moving average (MA) of 2450.00, below the 50-day MA of 2510.92, and below the 200-day MA of 2268.94, indicating a neutral trend. The MACD of -44.56 indicates Positive momentum. The RSI at 47.23 is Neutral, neither overbought nor oversold. The STOCH value of 40.17 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IL:SHVA.
Auto Bank Serv Peers Comparison
UnderperformOutperform
Sector (55)
IL:SHVA
Auto Bank Serv
2,312.00
428.95
22.78%
IL:CPTP
Capital Point
44.50
-13.50
-23.28%
IL:UTRN
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IL:LBRA
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38.88%
IL:MCLL
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1,370.00
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Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.