Zur Shamir Holdings Ltd

ILA 1,070As of Sun 8 Nov 2026, 12:00 UTC

TASE:ZURFinancials

Country Israel

PE (Fwd) •••

TSR 10Y CAGR 3.04%

Div yield 11.36%

ROE 20.57%

Insurance (Property & Casualty)

Beta (5Y) 0.43

PE TTM 3.907

TSR TTM 15.84%

Mkt cap ILS 701.1M

Combined —

SE Grade™

—

Value

Quality

Moat

Consensus

Reference

ILA 1,150

7.47%

(47.10%)

Hold 4|11|9|5|7

TTM

FYE 31 Dec ILS

FY2016

FY2017

FY2018

FY2019

FY2020

FY2021

FY2022

FY2023

FY2024

FY2025

FY2026E

Trend

10Y

Peers

35.01

RevenueILS M

85.01

89.78

94.83

99.73

102.9

109.8

114.5

122.4

131.3

136.9

36.67

5.88%

5.54%

17.25

Revenue growth%

6.53

5.99

4.22

5.05

3.35

1.88

0.67

1.41

0.40

1.21

4.00

1.21

2.61

10.95

Combined R.%

77.45

80.24

77.78

77.21

79.86

78.95

78.17

77.91

78.20

77.23

14.67

78.17

78.04

28.61

Operating margin%

4.79

4.56

2.72

1.18

3.41

4.32

3.01

0.40

2.86

3.79

10.50

3.01

3.21

28.05

Net margin%

27.38

30.28

31.41

29.05

28.30

30.07

32.52

31.98

29.85

29.68

15.84

30.07

29.96

31.68

P/E ratio (avg)x

21.83

24.49

26.08

28.74

28.70

28.34

33.89

35.36

37.43

39.66

29.85

35.36

28.72

6.706

P/TBVx

6.298

6.271

6.688

6.902

6.037

5.354

5.484

4.737

4.979

5.321

34.32

5.321

5.760

17.79

P/Bx

23.26

21.21

18.91

18.52

19.72

19.61

20.51

18.42

19.09

16.27

19.61

19.67

28.07

Prem. grth%

18.69

17.19

18.29

18.86

16.40

16.10

18.58

20.70

21.67

21.97

17.07

20.70

18.63

12.74

Invest. yld%

9.62

6.83

4.85

2.84

3.41

2.68

4.09

6.44

6.97

9.20

25.67

6.44

5.65

18.77

BVPS grth%

20.25

20.28

20.34

18.07

16.99

18.88

19.94

21.83

21.20

21.91

6.97

21.20

20.27

25.07

Return on equity%

9.26

8.63

7.21

9.35

6.59

4.34

4.71

7.06

9.77

7.54

13.01

7.06

7.37

8.83

Return on assets%

8.57

10.88

9.38

10.72

8.42

6.13

3.80

1.42

1.34

4.23

25.30

3.80

7.27

0.28

EPSILS

0.81

0.79

0.69

0.61

0.67

0.74

0.78

0.80

0.88

0.79

0.28

3.30%

(0.86%)

—

11.13

EPS growth%

25.45

27.47

27.25

29.68

31.06

30.40

27.47

29.39

30.83

31.15

8.49

30.40

29.54

0.43

Bookvalue per shILS

1.50

1.41

1.49

1.44

1.55

1.80

2.01

2.09

2.13

2.20

1.03

7.18%

4.06%

—

0.28

TBV/shILS

0.75

0.70

0.75

0.77

0.78

0.85

0.79

0.87

0.83

0.87

1.04

2.16%

1.56%

—

0.49

Dividend per shILS

0.68

0.67

0.72

0.80

0.96

1.12

1.17

1.28

1.53

1.66

0.32

11.62%

10.97%

—

26.66

Div yield (avg)%

18.78

19.87

20.28

18.51

17.31

14.78

16.77

16.92

16.30

18.26

6.09

16.77

17.78

20.74

Payout ratio%

6.83

7.49

9.85

9.48

8.74

9.44

8.13

9.10

7.38

8.36

4.51

8.36

8.55

64.75

Shares (diluted)M

84.12

99.58

97.73

100.1

114.1

114.5

127.0

130.2

130.0

152.9

67.18

6.03%

7.41%

29.55

Buyback yield%

0.82

2.58

4.97

3.23

2.65

4.01

4.22

3.38

4.43

7.34

12.58

4.22

3.69

1.358

D/E ratiox

0.630

0.707

0.695

0.767

0.876

0.977

1.070

1.240

1.241

1.395

1.675

1.240

0.926

112.1

AssetsILS M

259.0

268.7

291.8

328.1

340.6

377.5

407.2

453.1

497.2

543.3

27.23

9.79%

9.04%

66.08

LT debtILS M

18.99

16.40

15.20

13.64

13.63

13.10

12.07

11.03

10.29

11.15

112.7

(3.94%)

(6.46%)

Peers (US$219.1M)

Cap (US$)

I.D.I. Insurance…

1.088B

9.415x

Wesure Global Tech Ltd

598.7M

7.486x

Libra Insurance…

399.5M

12.93x

Arabian Shield…

239.2M

—

Capital

TTM

10Y

Leveragex

1.044

(0.228)

(0.175)

EBIT/Intx

1.327

0.117

0.126

Own earn%

—

Sh yield%

56.21

20.73

20.86

Owners

Insiders/Inst%

2.17

48.63

Short interest%

2.95

SBC / revenue%

5.55

Record

10Y

Profitable years

10/10

Revenue growth years

10/10

EPS growth years

10/10

Dividend streakyrs

Op margin range%

0–5

$1 testx

—

Incr. ROIC%

—

Zur Shamir Holdings Ltd, through its subsidiaries, engages in the insurance, consumer credit, real estate, and financial services in Israel. 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.

Growth vs revenue

Latest

Trend

10Y CAGR

Rel growth

Revenue

ILS 136.9M

5.54%

1.00×

Claims and benefits

ILS 67.55M

5.37%

0.98×

Total costs

ILS 98.19M

5.43%

0.99×