Zur Shamir Holdings (XTAE:ZUR) Margin of Safety % (DCF Earnings Based): 58.75% (As of Sep. 02, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

XTAE:ZUR Zur Shamir Holdings Ltd XTAE:ZUR
93 GF Score
Price ₪13.68
GF Value ₪10.32
Valuation Significantly Overvalued
! 8 Warning Signs
View Full Analysis

What is Zur Shamir Holdings Margin of Safety % (DCF Earnings Based)?

Zur Shamir Holdings XTAE:ZUR +0.37% 93 Margin of Safety % (DCF Earnings Based) is 58.75% as of Sep. 02, 2026. GuruFocus rates XTAE:ZUR with a GF Score™ of 93/100 and a GF Value™ of ₪10.32 (Significantly Overvalued). The stock has 8 warning signs investors should review.

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-09-02), Zur Shamir Holdings's Predictability Rank is 3.5-Stars. Zur Shamir Holdings's intrinsic value calculated from the Discounted Earnings model is ₪33.16 and current share price is ₪13.68. Consequently,

Zur Shamir Holdings's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is 58.75%.

XTAE:ZUR vs CB, PGR, TRV: Margin of Safety % (DCF Earnings Based) Comparison

For the Insurance - Property & Casualty subindustry, Zur Shamir Holdings's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Zur Shamir Holdings Margin of Safety % (DCF Earnings Based) vs Insurance Industry

For the Insurance industry and Financial Services sector, Zur Shamir Holdings's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where Zur Shamir Holdings's Margin of Safety % (DCF Earnings Based) falls into.


XTAE:ZUR
93GF Score
Zur Shamir Holdings Ltd XTAE:ZUR
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Zur Shamir Holdings Margin of Safety % (DCF Earnings Based) Calculation

Zur Shamir Holdings's Margin of Safety % (DCF Earnings Based) for today is calculated as

Margin of Safety % (DCF Earnings Based)=(Intrinsic Value: DCF (Earnings Based)-Current Price)/Intrinsic Value: DCF (Earnings Based)
=(33.16-13.68)/33.16
=58.75 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

The intrinsic value is calculated from the Discounted Earnings model with default parameters. The calculation method is the same as Discounted Cash Flow model except earnings are used in the calculation instead of free cash flow.

What does a Margin of Safety % (DCF Earnings Based) of 58.75% mean?
Zur Shamir Holdings (XTAE:ZUR) has a Margin of Safety % (DCF Earnings Based) of 58.75% as of Sep. 02, 2026. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Zur Shamir Holdings.
Is Zur Shamir Holdings' Margin of Safety % (DCF Earnings Based) too high?
Zur Shamir Holdings' current Margin of Safety % (DCF Earnings Based) is 58.75%. Overall, Zur Shamir Holdings has a GF Score™ of 93/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Zur Shamir Holdings' Margin of Safety % (DCF Earnings Based) compare to CB and PGR?
Zur Shamir Holdings' Margin of Safety % (DCF Earnings Based) of 58.75% can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Margin of Safety % (DCF Earnings Based) for an Insurance company?
A good Margin of Safety % (DCF Earnings Based) depends on the Insurance industry context. However, Margin of Safety % (DCF Earnings Based) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Margin of Safety % (DCF Earnings Based) mean?
A high Margin of Safety % (DCF Earnings Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Zur Shamir Holdings. Zur Shamir Holdings's current Margin of Safety % (DCF Earnings Based) is 58.75%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Zur Shamir Holdings stock overvalued right now?
Based on GuruFocus' analysis, Zur Shamir Holdings (XTAE:ZUR) is currently considered Significantly Overvalued. The stock's GF Value™ is ₪10.32, compared to a current price of ₪13.68 — trading 32.6% above its estimated fair value. The current Margin of Safety % (DCF Earnings Based) is 58.75%. Zur Shamir Holdings' overall GF Score™ is 93/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For Zur Shamir Holdings (XTAE:ZUR), the current Margin of Safety % (DCF Earnings Based) is 58.75% as of Sep. 02, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Zur Shamir Holdings (XTAE:ZUR) Overvalued in 2026?

Based on GuruFocus' analysis, Zur Shamir Holdings stock appears to be overvalued. The current stock price of ₪13.68 is trading 32.6% above its estimated GF Value™ of ₪10.32. GuruFocus considers Zur Shamir Holdings to be Significantly Overvalued.

Key valuation signals for XTAE:ZUR:

  • Margin of Safety % (DCF Earnings Based): 58.75%
  • GF Value™: ₪10.32 vs. price of ₪13.68 (32.6% above fair value)
  • GF Score™: 93/100 with 8 warning signs

No single metric tells the full story. See the XTAE:ZUR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Zur Shamir Holdings Business Description

Address 35 Efal Street, Petach Tikva, ISR, 4951132
Zur Shamir Holdings Ltd is engaged in providing services in the insurance market, consumer credit, and real estate. The company's operating segment includes life assurance and long term savings, Health insurance, General insurance, Granting of consumer credit and Investment property. General insurance segment includes the lines of a motor act, motor casco, property and others and other liabilities. The Granting of consumer credit segment Includes granting of consumer credit activity for the acquisition of vehicles and others. It generates maximum revenue from the General insurance segment.
93GF Score

Get the complete analysis for XTAE:ZUR

Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₪13.68
Price
₪10.32
GF Value