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    Multi-line insurance
Zur Shamir Holdings Ltd.

Zur Shamir Holdings Ltd.

TTASE:ZUR
1,176.00
ILA
+6.00
(+0.51%)
959.63EPS
3.96P/E
72.36BMarket Cap
Zur Shamir Holdings Ltd.
TASE:ZUR
(Tel Aviv Stock Exchange)

Recent

price

1,176.00

P/E

ratio

3.96

div

yld

10.58%

ROIC.AI

2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
ILS
27.12
30.94
33.98
37.12
46.04
48.99
50.29
44.26
49.7
56.11
66.81
88.15
94.99
96.52
Revenue per Share
0.2
0.32
0.71
0.04
1.54
0.82
1.96
0.82
2.06
-0.5
0.52
1.29
1.98
2.79
Basic EPS, GAAP
-2.62
-12.36
-7.75
1.55
-0.53
-11.76
-2.66
-7.3
-20.47
-24.62
-16.75
-12.83
-2.84
1.17
Free Cash Flow per Basic Share
0.47
0.8
0.63
0.22
0.38
0.47
0.42
0.15
0.49
0.36
0.17
0.63
0.68
1.24
Dividend per Share
- -
5.73
5.01
4.63
6
5.81
2.72
4.62
7.34
7.78
9.69
9.11
11.82
11.65
Book Value per Share
- -
2.36
1.31
0.47
1.23
0.5
-3.29
-1.82
0.47
-0.02
1.13
0.09
2.29
1.92
Tangible Book Value per Share
64
63
64
69
64
64
65
65
65
64
65
65
65
65
Basic Weighted Avg Shares
1,743
1,936
2,173
2,548
2,942
3,135
3,254
2,866
3,233
3,617
4,311
5,732
6,179
6,282
Sales/Revenue/Turnover
21.01
23.65
24.16
16.52
21.25
19.92
23.72
24.17
28.61
23.58
20.93
16.94
16.77
19.4
Operating Margin (%)
37
39
48
50
59
67
90
101
109
125
138
147
164
171
Depreciation Expense
13
20
45
3
98
52
127
53
134
-32
34
84
129
182
Net Income, GAAP
48.39
51.48
46.53
54.1
26.65
39.89
36.23
47.56
39.07
55.47
43.93
42.27
40.28
38.66
Effective Tax Rate (%)
0.74
1.03
2.09
0.11
3.34
1.67
3.9
1.85
4.14
-0.89
0.78
1.46
2.08
2.89
Profit Margin (%)
- -
179
229
1,139
539
1,023
857
1,553
1,630
484
415
1,615
2,501
3,025
Working Capital
- -
3,473
3,614
4,067
4,286
5,346
5,489
- -
- -
- -
- -
- -
- -
- -
LT Debt
- -
1,075
1,104
1,087
1,394
1,378
1,342
1,802
2,282
2,502
2,719
2,770
3,264
3,325
Total Equity
- -
- -
5.32
3.8
7.36
4.88
5.81
6.92
26.95
15.33
19.12
20.11
19.82
23.42
Return on Invested Capital (%)
- -
- -
0.41
0.13
0.97
0.4
0.77
1.41
1.07
1.9
7.57
0.59
-0.23
-1.57
Return on Capital (%)
- -
- -
13.27
0.89
28.99
13.83
45.87
22.26
34.38
-6.55
5.9
13.71
18.91
26.31
Return on Common Equity (%)

Capital Structure

ILS

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
65
65
65
Market Capitalization
810
710
724

Working Capital

ILS

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
9,605
9,992
10,324
Cash, Cash Equivalents & STI
6,362
6,608
6,569
Accounts Receivable, Net
286
195
219
Inventories
- -
- -
- -
Total Current Liabilities
7,104
6,885
7,299
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

ILS

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
12.19%
12.93%
17.82%
Free Cash Flow
202.24%
13.7%
-77.87%
Net Income, GAAP
345.45%
5.44%
53.55%
Sales/Revenue/Turnover
11.58%
16.93%
7.81%
Total Cash Common Dividend
36.93%
83.95%
7.32%

Quarterly Revenue

ILS

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1,286
1,357
1,468
1,264
5,732
2025
1,369
1,533
1,591
1,687
6,179
2026
1,439
1,565
- -
- -
- -

Quarterly Earnings Per Share

ILS

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.5
-0.08
0.33
0.44
1.29
2025
0.14
0.34
0.49
1
1.98
2026
0.73
0.57
- -
- -
- -

Quarterly Dividends Per Share

ILS

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
0.37
0.12
0.12
0.63
2025
- -
0.22
0.08
0.38
0.68
2026
- -
0.79
- -
- -
- -
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Business
Zur Shamir Holdings Ltd (ZUR.TA) is an Israel-based holding company engaged in finance, insurance, consumer credit, neo-banking, and real estate sectors. Founded in 1963 and headquartered in Petah Tikva, the company operates primarily in Israel with additional international presence in real estate through subsidiaries in Canada, Poland, and Belgium; it maintains controlling stakes including 88% ownership of Bituach Yashir Financial Investments (DIFI), which holds interests in I.D.I. Insurance (43%), Direct Finance (Mimun Yashir) Group (43%), Adgar Investment and Development (42%), and Nima Shefa Israel Ltd. (100%). Core products and services encompass comprehensive insurance offerings through I.D.I. Insurance and brands Direct Insurance (5) and 9 Insurance, including compulsory car, property car, property, general liability, medical expenses, hospitalization, personal disability, critical illness, travel, life insurance, savings, and health products; consumer credit solutions via Direct Finance, Israel's largest non-bank provider of loans for vehicles, products, services, and mortgages; neo-banking and digital financial services through Neema, featuring digital accounts, light banking, cross-border payments, and secure networks for individuals, businesses, and under-served communities; and real estate development and management by Adgar Investment and Development, specializing in flexible office spaces, co-working via the Brain Embassy brand, data centers, and urban projects. Recent developments include the Bank of Israel granting Neema an official bank code in 2025 to expand its role in the financial system; successful completion of an institutional tender for a new bond series; sustained strong performance with consolidated subsidiary revenue growth and high return on equity in 2024; and ongoing recognition as top workplaces for Direct Insurance and Direct Finance in BDI surveys.