Auto Bank Serv (SHVA) AI Stock Analysis

• Market Cap: ₪979.80M
• Dividend Yield: 7.72%
• Average Volume (3M): 52.46K
• Price to Earnings (P/E): 17.6
• Beta (1Y): 0.93
• 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: 40,040,900
• 10 Day Avg. Volume: 32,788
• 30 Day Avg. Volume: 52,462
• PEG Ratio: -1.72
• Price to Book (P/B): 3.24
• Price to Sales (P/S): 5.07
• P/FCF Ratio: 65.47
• 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: 65 Neutral
• Price Target: 2,606.00 ▲(19.00% Upside)
• Action: Downgraded Date: 04/04/26
• Date: Action: Downgraded 04/04/26

The score is led by solid fundamentals (growth, profitability, and a low-debt balance sheet), but is held back by notably weaker free-cash-flow conversion in 2025 and bearish technical momentum. A high dividend yield provides some support on valuation.

Positive Factors

Sustained revenue growth

The multi-year revenue climb to 157M and an 81% re-acceleration in 2025 indicate durable market demand and scalable product-market fit. Sustained top-line expansion supports reinvestment, broadens customer base, and underpins long-term competitive positioning and growth optionality.

Negative Factors

Weak free-cash-flow conversion

A sharp FCF drop and FCF/NI slump to ~23% show inconsistent cash conversion despite solid operating cash. Structurally higher reinvestment or working-capital needs can constrain discretionary spending, limit balance-sheet optionality, and raise financing reliance for growth over several quarters.

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...

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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...

Auto Bank Serv Financial Statement Overview

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	156.98M	151.46M	134.92M	117.28M	110.41M
Gross Profit	156.98M	133.52M	120.88M	109.63M	104.97M
EBITDA	74.03M	75.41M	58.14M	41.85M	64.64M
Net Income	45.26M	50.91M	38.22M	24.09M	44.56M
Balance Sheet
Total Assets	301.01M	306.18M	275.05M	253.93M	241.32M
Cash, Cash Equivalents and Short-Term Investments	150.87M	191.91M	171.62M	175.58M	180.70M
Total Debt	19.41M	19.75M	20.33M	21.37M	12.17M
Total Liabilities	55.27M	47.01M	43.68M	41.48M	34.51M
Stockholders Equity	245.75M	259.18M	231.37M	212.45M	206.81M
Cash Flow
Free Cash Flow	12.16M	40.95M	15.44M	32.44M	41.36M
Operating Cash Flow	53.83M	59.97M	31.70M	47.13M	43.08M
Investing Cash Flow	-18.64M	-6.51M	-27.49M	-29.11M	-22.04M
Financing Cash Flow	-62.35M	-27.24M	-24.32M	-23.91M	-26.56M

Auto Bank Serv Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 2190.00
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• 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 2190 is below the 20-day moving average (MA) of 2591.75, below the 50-day MA of 2543.34, and below the 200-day MA of 2219.30, indicating a neutral trend. The MACD of -28.04 indicates Positive momentum. The RSI at 38.70 is Neutral, neither overbought nor oversold. The STOCH value of 30.19 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	65 Neutral	₪979.80M	17.59	―	7.72%	7.67%	0.89%
MCLL	58 Neutral	₪688.68M	11.79	―	1.53%	―	―
Sector *	55 Neutral	$13.29B	17.42	10.03%	0.93%	7.13%	-12.93%