Automatic Bank Services Ltd. (IL:SHVA)
:SHVA
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Auto Bank Serv
(SHVA)
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Select Model
Rating:76Outperform
Price Target:
2,927.00
▲(33.65% Upside)
Action:UpgradedDate:01/23/26
The score is driven primarily by strong financial performance (high margins, rapid revenue growth, and low leverage). Valuation is supportive due to a reasonable P/E and strong dividend yield. Technicals are bullish but notably overbought (very high RSI/Stoch), which tempers the overall score due to increased near-term reversal risk.
Positive Factors
Strong balance sheet
Very low leverage and a high equity ratio provide durable financial stability for a lender. This conservative capital structure supports ongoing loan origination, absorbs credit losses during cycles, and preserves access to funding and securitization capacity over the medium term.
Negative Factors
Declining free cash flow growth
A persistent decline in free cash flow growth can constrain internal funding for loan book expansion, make dividend coverage less secure, and increase reliance on external funding. Over months this reduces flexibility to invest or buffer credit shocks.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong balance sheet
Very low leverage and a high equity ratio provide durable financial stability for a lender. This conservative capital structure supports ongoing loan origination, absorbs credit losses during cycles, and preserves access to funding and securitization capacity over the medium term.
Read all positive factors
Auto Bank Serv (SHVA) vs. iShares MSCI Israel ETF (EIS)
Market Cap
₪1.02B
Dividend Yield7.72%
Average Volume (3M)52.46K
Price to Earnings (P/E)18.8
Beta (1Y)0.98
Revenue Growth7.67%
EPS Growth0.89%
CountryIL
Employees130
SectorServices
Sector StrengthN/A
IndustrySoftware - Infrastructure
Share Statistics
EPS (TTM)N/A
Shares Outstanding40,040,900
10 Day Avg. Volume32,788
30 Day Avg. Volume52,462
Financial Highlights & Ratios
PEG Ratio0.60
Price to Book (P/B)3.80
Price to Sales (P/S)6.50
P/FCF Ratio24.04
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 operates payment systems for international debit cards in Israel. It serves as an infrastructure for credit card clearing; works with various credit companies as clearers and issuers; works with distributors and man...
How the Company Makes Money
Auto Bank Serv generates revenue primarily through interest income from the loans and leases it provides to customers. Each loan or lease agreement typically includes an interest rate that varies based on the customer's credit profile and market c...
Auto Bank Serv Financial Statement Overview
Summary
Income Statement
85
Very Positive
Balance Sheet
80
Positive
Cash Flow
75
Positive
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 155.72M | 151.46M | 134.92M | 117.28M | 110.41M | 85.20M |
| Gross Profit | 146.75M | 133.52M | 120.88M | 109.63M | 104.97M | 79.86M |
| EBITDA | 77.82M | 75.41M | 58.14M | 41.85M | 64.64M | 41.51M |
| Net Income | 48.33M | 50.91M | 38.22M | 24.09M | 44.56M | 27.12M |
Balance Sheet | ||||||
| Total Assets | 284.14M | 306.18M | 275.05M | 253.93M | 241.32M | 218.63M |
| Cash, Cash Equivalents and Short-Term Investments | 161.39M | 191.91M | 171.62M | 175.58M | 180.70M | 160.85M |
| Total Debt | 37.56M | 19.75M | 20.33M | 21.37M | 12.17M | 9.30M |
| Total Liabilities | 48.05M | 47.01M | 43.68M | 41.48M | 34.51M | 31.83M |
| Stockholders Equity | 236.09M | 259.18M | 231.37M | 212.45M | 206.81M | 186.80M |
Cash Flow | ||||||
| Free Cash Flow | 35.66M | 40.95M | 15.44M | 32.44M | 41.36M | 30.88M |
| Operating Cash Flow | 64.69M | 59.97M | 31.70M | 47.13M | 43.08M | 35.74M |
| Investing Cash Flow | 4.32M | -6.51M | -27.49M | -29.11M | -22.04M | -18.18M |
| Financing Cash Flow | -62.31M | -27.24M | -24.32M | -23.91M | -26.56M | -904.00K |
Auto Bank Serv Technical Analysis
Neutral
2190.00
Price Trends
2524.14
Positive
2282.93
Positive
2204.92
Positive
Market Momentum
16.50
Positive
47.63
Neutral
35.99
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 2653.90, below the 50-day MA of 2524.14, and below the 200-day MA of 2204.92, indicating a neutral trend. The MACD of 16.50 indicates Positive momentum. The RSI at 47.63 is Neutral, neither overbought nor oversold. The STOCH value of 35.99 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
2,536.00
-6.17
-0.24%
IL:CPTP
Capital Point
49.80
0.90
1.84%
IL:UTRN
Utron
480.80
-189.90
-28.31%
IL:LBRA
Libra
1,881.00
518.13
38.02%
IL:MCLL
Michlol Fin
1,466.00
349.00
31.24%
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.