Auto Bank Serv (SHVA) AI Stock Analysis

• Market Cap: 821.20M
• Dividend Yield: 7.79%
• Average Volume (3M): 52.46K
• Price to Earnings (P/E): 15.9
• Beta (1Y): 0.92
• Revenue Growth: 7.67%
• EPS Growth: 0.89%
• Country: IL
• Employees: 130
• Sector: Services
• Sector Strength: N/A
• Industry: Software - Infrastructure
• EPS (TTM): N/A
• Shares Outstanding: 40,000,000
• 10 Day Avg. Volume: 32,788
• 30 Day Avg. Volume: 52,462
• PEG Ratio: 0.60
• Price to Book (P/B): 3.80
• Price to Sales (P/S): 6.50
• P/FCF Ratio: 24.04
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 70 Outperform
• Price Target: 2,292.00 ▲(15.64% Upside)

Auto Bank Serv's strong financial performance is the most significant factor, supported by consistent revenue growth and profitability. The valuation is attractive due to a reasonable P/E ratio and high dividend yield. However, technical analysis indicates bearish momentum, which tempers the overall score.

Positive Factors

Revenue Growth

Consistent revenue growth indicates a strong market position and effective business model, supporting long-term financial stability.

Profitability

High profit margins reflect efficient cost management and strong pricing power, contributing to sustainable profitability.

Balance Sheet Health

A low debt-to-equity ratio indicates conservative financial leverage, enhancing financial stability and reducing risk.

Negative Factors

Cash Conversion Efficiency

Improving cash conversion efficiency is crucial for maximizing cash flow from operations, impacting liquidity and investment capacity.

Gross Profit Margin Decline

A decline in gross profit margin could signal rising costs or competitive pressures, potentially affecting future profitability.

Equity Financing Reliance

Reliance on equity financing may limit financial flexibility, affecting the company's ability to respond to market opportunities.

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 manufacturers; provides service to businesses; and activates the confirmation switch on the ATM devices. Automatic Bank Services Limited is based in Holon, Israel.

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 conditions. Additionally, SHVA may charge origination fees, processing fees, and late payment penalties, which contribute to its overall revenue stream. The company also benefits from partnerships with automotive dealerships, which may provide referral bonuses for financing agreements secured through their networks. Furthermore, SHVA may engage in securitization of its loan portfolios, allowing the company to generate additional funds by selling portions of its receivables to investors while retaining servicing rights, thus enhancing liquidity and profitability.

Auto Bank Serv Financial Statement Overview

Summary

Income Statement

Balance Sheet

Cash Flow

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	154.51M	151.46M	134.92M	117.28M	110.41M	85.20M
Gross Profit	135.71M	133.52M	120.88M	109.63M	104.97M	79.86M
EBITDA	79.43M	75.41M	58.14M	41.85M	64.64M	41.51M
Net Income	51.59M	50.91M	38.22M	24.09M	44.56M	27.12M
Balance Sheet
Total Assets	301.27M	306.18M	275.05M	253.93M	241.32M	218.63M
Cash, Cash Equivalents and Short-Term Investments	178.41M	191.91M	171.62M	175.58M	180.70M	160.85M
Total Debt	19.64M	19.75M	20.33M	21.37M	12.17M	9.30M
Total Liabilities	47.72M	47.01M	43.68M	41.48M	34.51M	31.83M
Stockholders Equity	253.55M	259.18M	231.37M	212.45M	206.81M	186.80M
Cash Flow
Free Cash Flow	38.19M	40.95M	15.44M	32.44M	41.36M	30.88M
Operating Cash Flow	62.34M	59.97M	31.70M	47.13M	43.08M	35.74M
Investing Cash Flow	-12.36M	-6.51M	-27.49M	-29.11M	-22.04M	-18.18M
Financing Cash Flow	-32.24M	-27.24M	-24.32M	-23.91M	-26.56M	-904.00K

Auto Bank Serv Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 1982.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IL:SHVA, the sentiment is Negative. The current price of 1982 is below the 20-day moving average (MA) of 2031.40, below the 50-day MA of 2162.06, and below the 200-day MA of 2219.41, indicating a bearish trend. The MACD of -54.21 indicates Negative momentum. The RSI at 38.29 is Neutral, neither overbought nor oversold. The STOCH value of 37.06 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IL:SHVA.

Auto Bank Serv Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SHVA	70 Outperform	821.20M	15.92	―	7.79%	7.67%	0.89%
MCLL	60 Neutral	536.73M	11.03	―	1.66%	―	―
Sector *	55 Neutral	$13.29B	17.42	10.03%	0.93%	7.13%	-12.93%