Auto Bank Serv AI Stock Analysis
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Auto Bank Serv (SHVA) AI Stock Analysis
Auto Bank Serv
(TASE:SHVA)
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.
Auto Bank Serv (SHVA) vs. iShares MSCI Israel ETF (EIS)
- Market Cap
- ILS 787.37M
- Dividend Yield
- 7.65%
- Average Volume (3M)
- 48.38K
- Price to Earnings (P/E)
- 20.3
- Beta (1Y)
- 0.94
- Revenue Growth
- 1.16%
- EPS Growth
- -26.18%
- Country
- Israel
- Employees
- 132
- Sector
- General
- Sector Strength
- 55
- Industry
- Software - Infrastructure
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 infras...
Auto Bank Serv Financial Statement Overview
Summary
Fundamentals are solid but no longer at peak levels. Revenue growth is strong and profitability remains high (very high gross margin and ~23% net margin), supported by a conservatively financed balance sheet (very low debt-to-equity ~0.08). Offsetting this, margins and net income are down versus prior years, and free cash flow is modest and declining with weaker cash conversion relative to earnings.
Income Statement
76PositiveBalance Sheet
84Very PositiveCash Flow
58Neutral| 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 | 65.40M | 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 | 124.75M | 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
Price Trends
Market Momentum
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 1965.00 is above the 20-day moving average (MA) of 1953.75, below the 50-day MA of 2050.18, and below the 200-day MA of 2325.29, indicating a neutral trend. The MACD of -30.82 indicates Negative momentum. The RSI at 49.21 is Neutral, neither overbought nor oversold. The STOCH value of 51.64 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
Overall Rating
- IL:SHVA68.5Neutral
IL:TSG64.7Neutral
IL:PMNT62Neutral
IL:PMVM41Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| IL:SHVA | 69Neutral | ILS 775.32M | 20.32 | ― | 7.65% | 1.16% | -26.18% |
| IL:TSG | 65Neutral | ILS 756.68M | 28.50 | ― | ― | 25.95% | 25.30% |
| IL:PMNT | 62Neutral | ILS 119.60M | 6.47 | ― | 7.30% | 22.04% | 9.32% |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
| IL:PMVM | 41Neutral | ILS 11.80M | -0.97 | ― | ― | -19.30% | 55.39% |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| IL:SHVA | Automatic Bank Services Ltd. | 1965.00 | -76.15 | -3.73% | |
| IL:GPAY.M | Global Pay-M | 147.50 | -81.60 | -35.62% | |
| IL:CNTL.M | CONTINUAL LTD. | 84.20 | -3.70 | -4.21% | |
| IL:PMVM | PomVom LTD. | 32.10 | -171.10 | -84.20% | |
| IL:PMNT | Payment Financial Technologies Ltd | 330.00 | -165.55 | -33.41% | |
| IL:TSG | Tsg | 25170.00 | -13390.00 | -34.73% |
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.
Date of analysis: Aug 17, 2026