OPAL Stock Overview
Opal Balance Investments Ltd provides various financing solutions in Israel.
Opal Balance Investments Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||₪2.65|
|52 Week High||₪3.30|
|52 Week Low||₪2.60|
|1 Month Change||-5.60%|
|3 Month Change||-6.56%|
|1 Year Change||-11.02%|
|3 Year Change||-18.87%|
|5 Year Change||6.30%|
|Change since IPO||27.00%|
Recent News & Updates
Would Opal Balance Investments Ltd (TLV:OPAL) Be Valuable To Income Investors?
Is Opal Balance Investments Ltd ( TLV:OPAL ) a good dividend stock? How can we tell? Dividend paying companies with...
Opal Balance Investments Ltd (TLV:OPAL) Looks Interesting, And It's About To Pay A Dividend
Regular readers will know that we love our dividends at Simply Wall St, which is why it's exciting to see Opal Balance...
Shareholders Of Opal Balance Investments (TLV:OPAL) Must Be Happy With Their 69% Return
By buying an index fund, you can roughly match the market return with ease. But if you buy good businesses at...
|OPAL||IL Diversified Financial||IL Market|
Return vs Industry: OPAL exceeded the IL Diversified Financial industry which returned -13% over the past year.
Return vs Market: OPAL underperformed the IL Market which returned 3.5% over the past year.
|OPAL Average Weekly Movement||3.9%|
|Diversified Financial Industry Average Movement||3.6%|
|Market Average Movement||4.6%|
|10% most volatile stocks in IL Market||7.9%|
|10% least volatile stocks in IL Market||3.1%|
Stable Share Price: OPAL is not significantly more volatile than the rest of IL stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: OPAL's weekly volatility (4%) has been stable over the past year.
About the Company
Opal Balance Investments Ltd provides various financing solutions in Israel. The company offers financing solutions, such as commercial checks discounts, financing and guarantee against credit checks, completion of entrepreneurs equity, forex services, and money transfer services to importers and exporters. It also provides digital messenger services and terminals.
Opal Balance Investments Fundamentals Summary
|OPAL fundamental statistics|
Is OPAL overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|OPAL income statement (TTM)|
|Cost of Revenue||₪19.94m|
Last Reported Earnings
Jun 30, 2022
Next Earnings Date
|Earnings per share (EPS)||0.29|
|Net Profit Margin||44.92%|
How did OPAL perform over the long term?See historical performance and comparison
4.8%Current Dividend Yield
Is OPAL undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 3/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for OPAL?
Other financial metrics that can be useful for relative valuation.
|What is OPAL's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does OPAL's PE Ratio compare to its peers?
|OPAL PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
MCMN Michman Besd
GMLA Gamla - Harel Residential Real-Estate
MCLL Michlol Finance
MNIF Menif Financial Services
OPAL Opal Balance Investments
Price-To-Earnings vs Peers: OPAL is good value based on its Price-To-Earnings Ratio (9.2x) compared to the peer average (22.4x).
Price to Earnings Ratio vs Industry
How does OPAL's PE Ratio compare vs other companies in the Asian Diversified Financial Industry?
Price-To-Earnings vs Industry: OPAL is good value based on its Price-To-Earnings Ratio (9.2x) compared to the Asian Diversified Financial industry average (14.2x)
Price to Earnings Ratio vs Fair Ratio
What is OPAL's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||9.2x|
|Fair PE Ratio||n/a|
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate OPAL's Price-To-Earnings Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of OPAL when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: OPAL (₪2.65) is trading below our estimate of fair value (₪3.03)
Significantly Below Fair Value: OPAL is trading below fair value, but not by a significant amount.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Analyst Forecast: Insufficient data to show price forecast.
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How is Opal Balance Investments forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted Diversified Financials industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Opal Balance Investments has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
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- Examine whether Opal Balance Investments is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
How has Opal Balance Investments performed over the past 5 years?
Past Performance Score5/6
Past Performance Score 5/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: OPAL has high quality earnings.
Growing Profit Margin: OPAL's current net profit margins (44.9%) are higher than last year (42.7%).
Past Earnings Growth Analysis
Earnings Trend: OPAL's earnings have grown by 10% per year over the past 5 years.
Accelerating Growth: OPAL's earnings growth over the past year (33.9%) exceeds its 5-year average (10% per year).
Earnings vs Industry: OPAL earnings growth over the past year (33.9%) exceeded the Diversified Financial industry 22.5%.
Return on Equity
High ROE: OPAL's Return on Equity (16%) is considered low.
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How is Opal Balance Investments's financial position?
Financial Health Score3/6
Financial Health Score 3/6
Short Term Liabilities
Long Term Liabilities
Financial Position Analysis
Short Term Liabilities: OPAL's short term assets (₪452.4M) exceed its short term liabilities (₪367.1M).
Long Term Liabilities: OPAL's short term assets (₪452.4M) exceed its long term liabilities (₪6.6M).
Debt to Equity History and Analysis
Debt Level: OPAL's net debt to equity ratio (178.1%) is considered high.
Reducing Debt: OPAL's debt to equity ratio has reduced from 274.1% to 190.5% over the past 5 years.
Debt Coverage: OPAL's debt is not well covered by operating cash flow (4.6%).
Interest Coverage: Insufficient data to determine if OPAL's interest payments on its debt are well covered by EBIT.
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What is Opal Balance Investments's current dividend yield, its reliability and sustainability?
Dividend Score 3/6
Cash Flow Coverage
Current Dividend Yield
Dividend Yield vs Market
|Opal Balance Investments Dividend Yield vs Market|
|Company (Opal Balance Investments)||4.8%|
|Market Bottom 25% (IL)||2.1%|
|Market Top 25% (IL)||6.5%|
|Industry Average (Diversified Financial)||4.8%|
|Analyst forecast in 3 Years (Opal Balance Investments)||n/a|
Notable Dividend: OPAL's dividend (4.84%) is higher than the bottom 25% of dividend payers in the IL market (2%).
High Dividend: OPAL's dividend (4.84%) is low compared to the top 25% of dividend payers in the IL market (6.31%).
Stability and Growth of Payments
Stable Dividend: OPAL has been paying a dividend for less than 10 years and during this time payments have been volatile.
Growing Dividend: OPAL has only been paying a dividend for 6 years, and since then payments have fallen.
Earnings Payout to Shareholders
Earnings Coverage: With its reasonable payout ratio (51.5%), OPAL's dividend payments are covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: At its current cash payout ratio (86.4%), OPAL's dividend payments are covered by cash flows.
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How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Daniel Mizrahi (51 yo)
Mr. Daniel Mizrahi serves as the Chief Executive Officer at Opal Balance Investments Ltd. Mr. Mizrahi served as Chief Executive Officer in Opal Balance (2006) Ltd. He serves as Director of Opal Balance (20...
Experienced Board: OPAL's board of directors are considered experienced (9.3 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
|Owner Type||Number of Shares||Ownership Percentage|
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
|Ownership||Name||Shares||Current Value||Change %||Portfolio %|
Opal Balance Investments Ltd's employee growth, exchange listings and data sources
- Name: Opal Balance Investments Ltd
- Ticker: OPAL
- Exchange: TASE
- Founded: 2006
- Industry: Specialized Finance
- Sector: Diversified Financials
- Implied Market Cap: ₪276.996m
- Shares outstanding: 104.61m
- Website: https://www.opalbalance.co.il
Number of Employees
- Opal Balance Investments Ltd
- 4 Eric Einstein Street
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|OPAL||TASE (The Tel-Aviv Stock Exchange)||Yes||Ordinary Shares||IL||ILS||May 2016|
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/09/28 00:00|
|End of Day Share Price||2022/09/28 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.