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Automatic Bank Services Limited

Automatic Bank Services Limited

ABANF
Automatic Bank Services LimitedUS flagOther OTC
7.93
USD
- -
- -
317.65MMarket Cap
Automatic Bank Services Limited
ABANF
(Other OTC)

Recent

price

7.93

P/E

ratio

- -

div

yld

- -

ROIC.AI

2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
1.16
1.26
1.33
1.42
1.58
1.73
2.03
2.14
2.75
2.92
3.39
3.78
3.92
3.94
Revenue per Share
0.51
1.21
0.42
0.35
0.45
0.36
0.73
0.68
1.11
0.6
0.96
1.27
1.13
1.05
Basic EPS, GAAP
0.66
0.27
0.19
0.36
0.17
0.55
0.7
0.77
1.03
0.81
0.39
1.02
0.3
0.36
Free Cash Flow per Basic Share
- -
0.9
0.22
- -
0.07
4.38
- -
- -
0.63
0.55
0.55
0.62
1.5
1.5
Dividend per Share
- -
6.55
6.58
6.93
7.29
3.29
3.96
4.68
5.15
5.24
5.69
6.3
5.94
5.39
Book Value per Share
- -
6.55
6.59
6.93
7.29
3.14
3.87
4.61
5.11
5.2
5.47
5.72
4.89
4.32
Tangible Book Value per Share
39
39
40
40
40
40
40
40
40
40
40
40
40
40
Basic Weighted Avg Shares
45
49
53
57
63
69
82
85
110
117
135
151
157
157
Sales/Revenue/Turnover
-20.34
22.84
26.05
29.99
24.24
29.48
38.84
39.38
45.59
39.08
31.11
36.71
29.8
27.37
Operating Margin (%)
3
1
1
3
4
5
6
6
7
7
9
10
15
16
Depreciation Expense
20
47
17
14
18
15
29
27
45
24
38
51
45
42
Net Income, GAAP
21.43
25.08
31.28
25.73
23.68
22.7
22.96
23.13
22.82
30.07
21.47
21.64
22.65
22.75
Effective Tax Rate (%)
43.74
95.83
31.39
24.51
28.66
20.99
35.99
31.83
40.36
20.54
28.33
33.61
28.83
26.62
Profit Margin (%)
- -
252
252
265
274
111
137
163
187
180
185
204
157
132
Working Capital
- -
- -
- -
- -
- -
- -
9
8
11
19
18
18
17
16
LT Debt
- -
256
263
277
292
132
159
187
207
212
231
259
246
223
Total Equity
- -
6.58
3.67
4.69
4.12
7.45
16.12
14
18.47
13.95
13.52
16.42
13.3
13.24
Return on Invested Capital (%)
- -
36.88
6.44
5.16
6.38
6.87
19.73
15.01
21.62
10.87
16.23
19.83
17.31
17.47
Return on Capital (%)
- -
36.88
6.44
5.16
6.38
6.87
20.2
15.68
22.66
11.56
17.51
21.26
18.46
18.71
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
2
3
3
LT Borrowings
- -
- -
- -
LT Finance Leases
18
17
16
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
40
40
40
Market Capitalization
774
854
853

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
193
190
196
Cash, Cash Equivalents & STI
161
151
162
Accounts Receivable, Net
22
28
20
Inventories
- -
- -
- -
Total Current Liabilities
26
33
63
Payables & Accruals
- -
- -
- -
ST Debt
2
3
3
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
2.3%
5.84%
-5.18%
Free Cash Flow
35.63%
10.98%
-70.32%
Net Income, GAAP
18.72%
19.83%
-11.09%
Sales/Revenue/Turnover
11.65%
13.35%
3.64%
Total Cash Common Dividend
- -
- -
140%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
37
38
39
38
151
2025
38
38
41
40
157
2026
38
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.3
0.27
0.39
- -
1.27
2025
0.26
0.34
0.31
- -
1.13
2026
0.17
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
0.62
- -
- -
0.62
2025
- -
0.76
0.76
- -
1.5
2026
- -
- -
- -
- -
- -
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Business
Automatic Bank Services Limited Automatic Bank Services Ltd. (ABANF), also known as Shva, operates as Israel's national payment infrastructure provider, managing critical interbank switching networks for automated teller machines (ATMs), credit and debit card transaction approvals, clearing interfaces, and settlement systems between issuers, acquirers, and merchants. The company offers a comprehensive suite of products and services, including the Ashrait PC and Ashrait WEB software for point-of-sale credit card processing compliant with EMV standards; ATM switching services connecting networks of major banks such as Bank Leumi, Bank Hapoalim, and others to enable cross-bank cash withdrawals and balance inquiries; Shva Arena platform with advanced features like 3DSecure for online fraud prevention, Shva TOP for tap-on-phone mobile payments, Shva CLP for closed-loop payments including food cards, gift vouchers, and loyalty programs, and standing orders for recurring transactions; Shva Insights data-as-a-service for aggregated market and business financial analytics; terminal certification and testing for EMV and POS devices; and de-tokenization services for contactless club cards in collaboration with Mastercard. These solutions serve credit card companies including Isracard, Cal, Max, Tranzilla, Cardcom, and Upay; banks and non-bank ATM operators; payment service providers; merchants; and adjustment firms, primarily within Israel as a designated critical national infrastructure certified to PCI:DSS Level 1 standards. Founded in 1978 and headquartered in Holon, Israel, the company maintains a single operating segment focused on transaction processing and payment technology, with no significant subsidiaries or parent relationships. In recent developments, Automatic Bank Services Limited expanded its Shva Arena and Ashrait capabilities in early 2024 by adding cloud-based transaction storage, back-office terminal management portals, and the first customer contracts for Shva Arena and Shva Insights services. The company initiated processes to onboard new participants, including 019 Payment Services Ltd. as an issuer in February 2024 and Rapyd for foreign entities in March 2024; secured regulatory approvals for ATM system integrations with ATMS Matrix Ltd. (joining July 2024), Smart Advanced ATM Services (January 2025), and Ofek Cooperative Credit Society; launched ATM accounting interfaces per Bank of Israel directives starting May 2023 for direct clearing via the Zahav system; and advanced de-tokenization for Mastercard-enabled club cards and enriched issuer data services, both slated for pilot rollout by mid-2024. These initiatives reflect strategic investments in technological enhancements, manpower growth, and market adaptations amid rising cashless transaction volumes, including a surge in digital wallet usage.