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Zur Shamir HoldingsXTAE:ZUR +0.37%93 Net Margin % is 2.36% as of Jun. 2026, which is 34% above its 10-year median of 1.76. 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. Among 494 Insurance companies, Zur Shamir Holdings ranks worse than 79.76% on this metric.
Zur Shamir Holdings (XTAE:ZUR) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Zur Shamir Holdings Net Margin % Related Terms
Zur Shamir Holdings Net Margin % Historical Data
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The historical data trend for Zur Shamir Holdings's Net Margin % can be seen below:
* 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.
For the Insurance - Property & Casualty subindustry, Zur Shamir Holdings's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Zur Shamir Holdings's Net Margin % distribution charts can be found below:
* The bar in red indicates where Zur Shamir Holdings's Net Margin % falls into.
* 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.
Zur Shamir Holdings (XTAE:ZUR) has a Net Margin % of 2.36% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on Zur Shamir Holdings and its competitors. This is 34% above median its historical median of 1.76. According to the industry distribution chart, Zur Shamir Holdings ranks #394 out of 494 companies in the Insurance industry, placing it in the top 79.8%.
Is Zur Shamir Holdings' Net Margin % too high?
Zur Shamir Holdings' current Net Margin % of 2.36% is 34% above median its 10-year median of 1.76. The Insurance industry median Net Margin % is 9.29. Zur Shamir Holdings' value of 2.36% is 74.6% below this industry median. Based on the distribution chart, Zur Shamir Holdings ranks #394 out of 494 companies in the Insurance industry, which is in the bottom quartile relative to peers. 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' Net Margin % compare to CB and PGR?
According to the Insurance industry distribution chart, Zur Shamir Holdings ranks #394 out of 494 companies for Net Margin %. This places Zur Shamir Holdings in the lower half of its industry. The industry median Net Margin % is 9.29. Zur Shamir Holdings' value of 2.36% is 74.6% below this benchmark. While the company's 10-year median is 1.76 vs. the industry median of 9.29, Zur Shamir Holdings has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 9.29, based on 494 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Zur Shamir Holdings's current Net Margin % of 2.36% is 74.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Zur Shamir Holdings and its competitors. For the Insurance industry, the median Net Margin % is 9.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zur Shamir Holdings's current Net Margin % is 2.36%, which is 34% above median its own 10-year median of 1.76. 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 Net Margin % is 2.36%, which is 34% above median its 10-year median of 1.76 and 74.6% below the Insurance industry median of 9.29. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Zur Shamir Holdings (XTAE:ZUR), the current Net Margin % is 2.36% as of Jun. 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:
Net Margin %: 2.36% (34% above median its 10-year median of 1.76)
GF Value™: ₪10.32 vs. price of ₪13.68 (32.6% above fair value)
Industry Position: 74.6% below the Insurance median (#394 of 494)
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 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
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