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Zur Shamir HoldingsXTAE:ZUR +0.37%93 Operating Margin % is 19.42% as of Jun. 2026, which is 8% below its 10-year median of 21.09. 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 65 Insurance companies, Zur Shamir Holdings ranks better than 70.77% on this metric.
Zur Shamir Holdings (XTAE:ZUR) Operating Margin % Explanation
Just like Gross Margin %, it is important to see a company maintains its operating margin over time. Among the same industry, a company with higher operating margin is more efficient in its operation. It is also more stable during industry slowdown or recessions. Peter Lynch prefers those with higher margins than those with lower margins.
Be Aware
Operating Margin % can be manipulated by adjusting the rate of depreciation, depletion and amortization (DDA).
If a company is facing competition, its Operating Margin % may decline. Often the Operating Margin % declines well before the company's Revenue or even profit decline. Therefore, Operating Margin % is a very important indicator of whether the company is facing problems.
For instance, by 2012, Nokia (NOK)'s problems were well known and its stock had lost more than 90% of its market value since 2007. But Nokias Operating Margin % had already been in decline since 2002, although its Earnings per Share (Diluted) were still rising. Investors who paid attention to Operating Margin % would have avoided this huge loss. The same can be said for Research-in-Motion (RIMM).
Therefore, Operating Margin % is a very important screening filter for GuruFocus. GuruFocus's Buffett-Munger screener requires that the profit margin is either consistent or expanding. The Model Portfolio of the Buffett-Munger screener has outperformed the market every year since inception in 2009.
Zur Shamir Holdings Operating Margin % Related Terms
Zur Shamir Holdings Operating Margin % Historical Data
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The historical data trend for Zur Shamir Holdings's Operating 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.
XTAE:ZUR vs CB, PGR, TRV: Operating Margin % Comparison
For the Insurance - Property & Casualty subindustry, Zur Shamir Holdings's Operating Margin %, along with its competitors' market caps and Operating 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 Operating Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Zur Shamir Holdings's Operating Margin % distribution charts can be found below:
* The bar in red indicates where Zur Shamir Holdings's Operating Margin % falls into.
Zur Shamir Holdings Operating Margin % Calculation
Operating Margin % - also known as operating income margin, operating profit margin and return on sales (ROS) - is the ratio of Operating Income divided by net sales or Revenue, usually presented in percent.
Zur Shamir Holdings's Operating Margin % for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Operating Margin % of 19.42% as of Jun. 2026. Operating margin is the ratio of total operating income to net sales. View historical data on Zur Shamir Holdings and its competitors. This is near median its historical median of 21.09. Over the past decade, Zur Shamir Holdings' Operating Margin % has ranged from 16.52 to 28.61. According to the industry distribution chart, Zur Shamir Holdings ranks #19 out of 65 companies in the Insurance industry, placing it in the top 29.2%.
Is Zur Shamir Holdings' Operating Margin % too high?
Zur Shamir Holdings' current Operating Margin % of 19.42% is near median its 10-year median of 21.09. Over the past 10 years, this metric has ranged from a low of 16.52 to a high of 28.61. The Insurance industry median Operating Margin % is 10.38. Zur Shamir Holdings' value of 19.42% is 87.1% above this industry median. Based on the distribution chart, Zur Shamir Holdings ranks #19 out of 65 companies in the Insurance industry, which is above the industry midpoint. 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' Operating Margin % compare to CB and PGR?
According to the Insurance industry distribution chart, Zur Shamir Holdings ranks #19 out of 65 companies for Operating Margin %. This puts Zur Shamir Holdings in the upper half of its industry. The industry median Operating Margin % is 10.38. Zur Shamir Holdings' value of 19.42% is 87.1% above this benchmark. Historically, Zur Shamir Holdings' own Operating Margin % has ranged from 16.52 to 28.61 over the past decade. While the company's 10-year median is 21.09 vs. the industry median of 10.38, Zur Shamir Holdings has consistently been above 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 Operating Margin % for an Insurance company?
The median Operating Margin % among Insurance companies is 10.38, based on 65 companies in the industry. Companies in the top quartile (top 25%) have a Operating Margin % significantly above this median, while those in the bottom quartile fall well below. However, Operating Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Zur Shamir Holdings's current Operating Margin % of 19.42% is 87.1% above 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 Operating Margin % mean?
A high Operating Margin % can signal that a stock is expensive relative to its fundamentals. Operating margin is the ratio of total operating income to net sales. View historical data on Zur Shamir Holdings and its competitors. For the Insurance industry, the median Operating Margin % is 10.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zur Shamir Holdings's current Operating Margin % is 19.42%, which is near median its own 10-year median of 21.09. 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 Operating Margin % is 19.42%, which is near median its 10-year median of 21.09 and 87.1% above the Insurance industry median of 10.38. 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 Operating Margin % calculated?
Operating Margin % is calculated from a company's financial statements. For Zur Shamir Holdings (XTAE:ZUR), the current Operating Margin % is 19.42% 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:
Operating Margin %: 19.42% (near median its 10-year median of 21.09)
GF Value™: ₪10.32 vs. price of ₪13.68 (32.6% above fair value)
Industry Position: 87.1% above the Insurance median (#19 of 65)
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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