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Auto Bank Serv
(TASE:SHVA)
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Rating:69Neutral
Price Target:
2,469.00
▲(12.74% Upside)
Action:Downgraded
Date:08/17/26
The score is driven primarily by solid financial performance—strong profitability and a low-leverage balance sheet—tempered by margin compression and weaker free-cash-flow conversion. Valuation is helped by a high dividend yield, while technicals detract due to negative MACD and trading below key longer-term moving averages.
Positive Factors
Strong Revenue Growth
Strong TTM revenue growth indicates continued demand and business expansion. If sustained, it can support operating scale, reinforce the company’s market position and help offset cost pressure over the next several quarters.
Negative Factors
Margin Compression
The sustained decline in net, EBIT and EBITDA margins suggests weaker operating leverage or higher costs than in prior peak periods. Continued compression could limit earnings growth even while revenue expands and reduce profitability resilience.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Revenue Growth
Strong TTM revenue growth indicates continued demand and business expansion. If sustained, it can support operating scale, reinforce the company’s market position and help offset cost pressure over the next several quarters.
Read all positive factors
Auto Bank Serv (SHVA) vs. iShares MSCI Israel ETF (EIS)
Market Cap
₪891.82M
Dividend Yield6.7%
Average Volume (3M)52.46K
Price to Earnings (P/E)23.4
Beta (1Y)0.94
Revenue Growth1.16%
EPS Growth-26.18%
CountryIL
Employees132
SectorGeneral
Sector StrengthN/A
IndustrySoftware - Infrastructure
Share Statistics
EPS (TTM)N/A
Shares Outstanding40,172,120
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
76
Positive
Balance Sheet
84
Very Positive
Cash Flow
58
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 163.58M | 156.98M | 151.46M | 134.92M | 117.28M | 110.41M |
| Gross Profit | 163.22M | 156.98M | 133.52M | 120.88M | 109.63M | 104.97M |
| EBITDA | 60.77M | 74.03M | 75.41M | 58.14M | 41.85M | 64.64M |
| Net Income | 38.08M | 45.26M | 50.91M | 38.22M | 24.09M | 44.56M |
Balance Sheet | ||||||
| Total Assets | 279.92M | 301.01M | 306.18M | 275.05M | 253.93M | 241.32M |
| Cash, Cash Equivalents and Short-Term Investments | 13.82M | 150.87M | 191.91M | 171.62M | 175.58M | 180.70M |
| Total Debt | 18.79M | 19.41M | 19.75M | 20.33M | 21.37M | 12.17M |
| Total Liabilities | 47.37M | 55.27M | 47.01M | 43.68M | 41.48M | 34.51M |
| Stockholders Equity | 232.54M | 245.75M | 259.18M | 231.37M | 212.45M | 206.81M |
Cash Flow | ||||||
| Free Cash Flow | 4.97M | 12.16M | 40.95M | 15.44M | 32.44M | 41.36M |
| Operating Cash Flow | 38.80M | 53.83M | 59.97M | 31.70M | 47.13M | 43.08M |
| Investing Cash Flow | 6.29M | -18.64M | -6.51M | -27.49M | -29.11M | -22.04M |
| Financing Cash Flow | -62.52M | -62.35M | -27.24M | -24.32M | -23.91M | -26.56M |
Auto Bank Serv Technical Analysis
Positive
2190.00
Price Trends
2283.76
Negative
2393.75
Negative
2310.45
Negative
Market Momentum
-23.83
Negative
52.02
Neutral
79.46
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IL:SHVA, the sentiment is Positive. The current price of 2190 is above the 20-day moving average (MA) of 2189.90, below the 50-day MA of 2283.76, and below the 200-day MA of 2310.45, indicating a neutral trend. The MACD of -23.83 indicates Negative momentum. The RSI at 52.02 is Neutral, neither overbought nor oversold. The STOCH value of 79.46 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IL:SHVA.
Auto Bank Serv Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
69 Neutral | ₪891.82M | 23.37 | ― | 7.72% | 1.16% | -26.18% | |
59 Neutral | ₪206.18M | 11.16 | ― | 4.28% | 22.04% | 9.32% | |
57 Neutral | ₪904.32M | 34.07 | ― | ― | 25.95% | 25.30% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
42 Neutral | ₪19.63M | -1.57 | ― | ― | -7.32% | 81.93% |
* General Sector Average
IL:SHVA
Auto Bank Serv
2,239.00
203.02
9.97%
IL:GPAY.M
Global Pay-M
100.00
-2.10
-2.06%
IL:CNTL.M
Continual
94.80
5.30
5.92%
IL:PMVM
Pomvom
54.10
-172.10
-76.08%
IL:PMNT
Payment Fina
527.50
90.24
20.64%
IL:TSG
Tsg
29,500.00
-1,920.00
-6.11%
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.