SRAC Stock Overview
S.R. Accord Ltd. provides credit and non-bank financing services in Israel.
S.R. Accord Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||₪52.00|
|52 Week High||₪63.35|
|52 Week Low||₪48.35|
|1 Month Change||0.68%|
|3 Month Change||-5.09%|
|1 Year Change||-14.19%|
|3 Year Change||51.12%|
|5 Year Change||180.48%|
|Change since IPO||-99.99%|
Recent News & Updates
Is Now The Time To Put S.R. Accord (TLV:SRAC) On Your Watchlist?
For beginners, it can seem like a good idea (and an exciting prospect) to buy a company that tells a good story to...
Do Institutions Own S.R. Accord Ltd. (TLV:SRAC) Shares?
The big shareholder groups in S.R. Accord Ltd. ( TLV:SRAC ) have power over the company. Generally speaking, as a...
|SRAC||IL Diversified Financial||IL Market|
Return vs Industry: SRAC exceeded the IL Diversified Financial industry which returned -16.6% over the past year.
Return vs Market: SRAC underperformed the IL Market which returned 13.5% over the past year.
|SRAC Average Weekly Movement||4.0%|
|Diversified Financial Industry Average Movement||4.4%|
|Market Average Movement||5.4%|
|10% most volatile stocks in IL Market||8.9%|
|10% least volatile stocks in IL Market||3.7%|
Stable Share Price: SRAC is less volatile than 75% of IL stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: SRAC's weekly volatility (4%) has been stable over the past year.
About the Company
S.R. Accord Ltd. provides credit and non-bank financing services in Israel. The company offers check discounting, real estate financing, bridging loans, and line of credit; funding for infrastructure projects, renewal and growth, and public companies; guarantees for project execution; currency services; and financing the evacuation of construction, as well as business financial support services. It serves corporations, licensed dealers, partnerships, and businessmen.
S.R. Accord Fundamentals Summary
|SRAC fundamental statistics|
Is SRAC overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|SRAC income statement (TTM)|
|Cost of Revenue||₪0|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||5.50|
|Net Profit Margin||63.22%|
How did SRAC perform over the long term?See historical performance and comparison
4.5%Current Dividend Yield
Is SRAC undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 4/6
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 SRAC?
Other financial metrics that can be useful for relative valuation.
|What is SRAC's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does SRAC's PE Ratio compare to its peers?
|SRAC PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
MNIF Menif Financial Services
PEN Peninsula Group
MCLL Michlol Finance
OPAL Opal Balance Investments
SRAC S.R. Accord
Price-To-Earnings vs Peers: SRAC is good value based on its Price-To-Earnings Ratio (9.5x) compared to the peer average (16.1x).
Price to Earnings Ratio vs Industry
How does SRAC's PE Ratio compare vs other companies in the Asian Diversified Financial Industry?
Price-To-Earnings vs Industry: SRAC is good value based on its Price-To-Earnings Ratio (9.5x) compared to the IL Diversified Financial industry average (11.9x)
Price to Earnings Ratio vs Fair Ratio
What is SRAC'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||9.5x|
|Fair PE Ratio||n/a|
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate SRAC's Price-To-Earnings Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of SRAC when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: SRAC (₪52) is trading below our estimate of fair value (₪80.74)
Significantly Below Fair Value: SRAC is trading below fair value by more than 20%.
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.
Discover undervalued companies
How is S.R. Accord 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 S.R. Accord 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.
Discover growth companies
- Examine whether S.R. Accord 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 S.R. Accord performed over the past 5 years?
Past Performance Score3/6
Past Performance Score 3/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: SRAC has high quality earnings.
Growing Profit Margin: SRAC's current net profit margins (63.2%) are higher than last year (62%).
Past Earnings Growth Analysis
Earnings Trend: SRAC's earnings have grown significantly by 23.8% per year over the past 5 years.
Accelerating Growth: SRAC's earnings growth over the past year (21.3%) is below its 5-year average (23.8% per year).
Earnings vs Industry: SRAC earnings growth over the past year (21.3%) underperformed the Diversified Financial industry 21.3%.
Return on Equity
High ROE: Whilst SRAC's Return on Equity (25.18%) is high, this metric is skewed due to their high level of debt.
Discover strong past performing companies
How is S.R. Accord's financial position?
Financial Health Score2/6
Financial Health Score 2/6
Short Term Liabilities
Long Term Liabilities
Financial Position Analysis
Short Term Liabilities: SRAC's short term assets (₪1.4B) exceed its short term liabilities (₪914.2M).
Long Term Liabilities: SRAC's short term assets (₪1.4B) exceed its long term liabilities (₪197.4M).
Debt to Equity History and Analysis
Debt Level: SRAC's net debt to equity ratio (334.1%) is considered high.
Reducing Debt: SRAC's debt to equity ratio has increased from 158.5% to 357.5% over the past 5 years.
Debt Coverage: SRAC's operating cash flow is negative, therefore debt is not well covered.
Interest Coverage: Insufficient data to determine if SRAC's interest payments on its debt are well covered by EBIT.
Discover healthy companies
What is S.R. Accord current dividend yield, its reliability and sustainability?
Dividend Score 2/6
Cash Flow Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: SRAC's dividend (4.54%) is higher than the bottom 25% of dividend payers in the IL market (1.91%).
High Dividend: SRAC's dividend (4.54%) is low compared to the top 25% of dividend payers in the IL market (6.36%).
Stability and Growth of Payments
Stable Dividend: SRAC has been paying a dividend for less than 10 years and during this time payments have been volatile.
Growing Dividend: SRAC's dividend payments have increased, but the company has only paid a dividend for 6 years.
Earnings Payout to Shareholders
Earnings Coverage: With its reasonably low payout ratio (41.6%), SRAC's dividend payments are well covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: SRAC is paying a dividend but the company has no free cash flows.
Discover strong dividend paying companies
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Gil Hochboim (53 yo)
Mr. Gil Hochboim serves as Chief Executive Officer and Director of S.R. Accord Ltd. since May 19, 2020.Mr. Hochboim served as the Chief Financial Officer of S.R. Accord Ltd. Mr. Hochboim serves as Company...
CEO Compensation Analysis
Compensation vs Market: Insufficient data to establish whether Gil's total compensation is reasonable compared to companies of similar size in the IL market.
Compensation vs Earnings: Gil's compensation has increased by more than 20% in the past year.
Experienced Management: SRAC's management team is considered experienced (2.3 years average tenure).
Experienced Board: SRAC's board of directors are not considered experienced ( 2.9 years average tenure), which suggests a new board.
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.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
S.R. Accord Ltd.'s employee growth, exchange listings and data sources
- Name: S.R. Accord Ltd.
- Ticker: SRAC
- Exchange: TASE
- Founded: NaN
- Industry: Specialized Finance
- Sector: Diversified Financials
- Implied Market Cap: ₪704.379m
- Shares outstanding: 13.55m
- Website: https://www.sr-accord.com
Number of Employees
- S.R. Accord Ltd.
- Klausner Yosef Street 10
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/08/06 00:00|
|End of Day Share Price||2022/08/04 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.