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.
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.
Zur Shamir HoldingsXTAE:ZUR +0.37%93 WACC % is 12.39% as of Sep. 02, 2026, which is 27% below its 10-year median of 16.99. 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 512 Insurance companies, Zur Shamir Holdings ranks worse than 86.52% on this metric.
As of today (2026-09-02), Zur Shamir Holdings's weighted average cost of capital is 12.39%%. Zur Shamir Holdings's ROIC % is 3.73% (calculated using TTM income statement data).
Zur Shamir Holdings earns returns that do not match up to its cost of capital. It will destroy value as it grows.
For a comprehensive WACC calculation, please access the WACC Calculator.
Because it costs money to raise capital. A firm that generates higher ROIC % than it costs the company to raise the capital needed for that investment is earning excess returns. A firm that expects to continue generating positive excess returns on new investments in the future will see its value increase as growth increases, whereas a firm that earns returns that do not match up to its cost of capital will destroy value as it grows.
As of today, Zur Shamir Holdings's weighted average cost of capital is 12.39%%. Zur Shamir Holdings's ROIC % is 3.73% (calculated using TTM income statement data).
Zur Shamir Holdings earns returns that do not match up to its cost of capital. It will destroy value as it grows.
Be Aware
1. GuruFocus uses book value of debt (D) to do the calculation. It is simplified by adding latest one-year quarterly average Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation together.
For companies that report quarterly, GuruFocus combines all of the most recent year's quarterly debt data from the beginning of the year to the year-end and calculates the average.
For companies that report semi-annually, GuruFocus combines all of the most recent year's semi-annual debt data from the start of the year to the year-end and calculates the average.
For companies that report annually, GuruFocus combines the beginning and ending annual debt data from the most recent year and then calculates the average.
2. The WACC formula discussed above does not include Preferred Stock. Please adjust if preferred stock is considered.
3. (Expected Return of the Market - Risk-Free Rate of Return) is also called market premium. GuruFocus requires market premium to be 6%.
4. GuruFocus uses the latest TTM Interest Expense divided by the latest one-year quarterly average debt to get the simplified cost of debt.
Related Terms
Zur Shamir Holdings WACC % Historical Data
* Premium members only.
The historical data trend for Zur Shamir Holdings's WACC % 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 WACC %, along with its competitors' market caps and WACC % 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 WACC % vs Insurance Industry
For the Insurance industry and Financial Services sector, Zur Shamir Holdings's WACC % distribution charts can be found below:
* The bar in red indicates where Zur Shamir Holdings's WACC % falls into.
The weighted average cost of capital (WACC) is the rate that a company is expected to pay on average to all its security holders to finance its assets. The WACC is commonly referred to as the firm's cost of capital. Generally speaking, a company's assets are financed by debt and equity. WACC is the average of the costs of these sources of financing, each of which is weighted by its respective use in the given situation. By taking a weighted average, we can see how much interest the company has to pay for every dollar it finances.
WACC
=
E
/
(E + D)
*
Cost of Equity
+
D
/
(E + D)
*
Cost of Debt
*
(1 - Tax Rate)
1. Weights:
Generally speaking, a company's assets are financed by debt and equity. We need to calculate the weight of equity and the weight of debt.
The market value of equity (E) is also called "Market Cap". As of today, Zur Shamir Holdings's market capitalization (E) is ₪895.998 Mil.
The market value of debt is typically difficult to calculate, therefore, GuruFocus uses book value of debt (D) to do the calculation. It is simplified by adding the latest one-year quarterly average Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation together. As of Jun. 2026, Zur Shamir Holdings's latest one-year quarterly average Book Value of Debt (D) is ₪0 Mil.
a) weight of equity = E / (E + D) = 895.998 / (895.998 + 0) = 1
b) weight of debt = D / (E + D) = 0 / (895.998 + 0) = 0
2. Cost of Equity:
GuruFocus uses Capital Asset Pricing Model (CAPM) to calculate the required rate of return. The formula is:
Cost of Equity = Risk-Free Rate of Return + Beta of Asset * (Expected Return of the Market - Risk-Free Rate of Return)
a) GuruFocus uses 10-Year Treasury Constant Maturity Rate as the risk-free rate. It is updated daily. The current risk-free rate is 3.81%. Please go to Economic Indicators page for more information. Please note that we use the 10-Year Treasury Constant Maturity Rate of the country/region where the company is headquartered. If the data for that country/region is not available, then we will use the 10-Year Treasury Constant Maturity Rate of the United States as default.
b) Beta is the sensitivity of the expected excess asset returns to the expected excess market returns. Zur Shamir Holdings's beta is 1.4300.
c) (Expected Return of the Market - Risk-Free Rate of Return) is also called market premium. GuruFocus requires market premium to be 6%.
Cost of Equity = 3.81% + 1.4300 * 6% = 12.39%
3. Cost of Debt:
GuruFocus uses latest TTM Interest Expense divided by the latest one-year quarterly average debt to get the simplified cost of debt.
As of Jun. 2026, Zur Shamir Holdings's interest expense (positive number) was ₪363.425 Mil. Its total Book Value of Debt (D) is ₪0 Mil.
Cost of Debt = 363.425 / 0 = %.
4. Multiply by one minus TTM Tax Rate:
GuruFocus uses the most recent TTM Tax Expense divided by the most recent TTM Pre-Tax Income to calculate the tax rate. The calculated TTM tax rate is limited to between 0% and 100%. If the calculated tax rate is higher than 100%, it is set to 100%. If the calculated tax rate is less than 0%, it is set to 0%.
The latest calculated TTM Tax Rate = 400.033 / 1034.654 = 38.66%.
Zur Shamir Holdings's Weighted Average Cost Of Capital (WACC) for Today is calculated as:
WACC
=
E / (E + D)
*
Cost of Equity
+
D / (E + D)
*
Cost of Debt
*
(1 - Tax Rate)
=
1
*
12.39%
+
0
*
%
*
(1 - 38.66%)
=
12.39%
* 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 WACC % of 12.39% as of Sep. 02, 2026. The weighted average cost of capital (WACC) is the average rate a company pays to finance assets. View historical data on Zur Shamir Holdings and its competitors. This is 27% below median its historical median of 16.99. Over the past decade, Zur Shamir Holdings' WACC % has ranged from 3.84 to 19.28. According to the industry distribution chart, Zur Shamir Holdings ranks #443 out of 512 companies in the Insurance industry, placing it in the top 86.5%.
Is Zur Shamir Holdings' WACC % too high?
Zur Shamir Holdings' current WACC % of 12.39% is 27% below median its 10-year median of 16.99. Over the past 10 years, this metric has ranged from a low of 3.84 to a high of 19.28. The Insurance industry median WACC % is 9.26. Zur Shamir Holdings' value of 12.39% is 33.9% above this industry median. Based on the distribution chart, Zur Shamir Holdings ranks #443 out of 512 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' WACC % compare to CB and PGR?
According to the Insurance industry distribution chart, Zur Shamir Holdings ranks #443 out of 512 companies for WACC %. This places Zur Shamir Holdings in the lower half of its industry. The industry median WACC % is 9.26. Zur Shamir Holdings' value of 12.39% is 33.9% above this benchmark. Historically, Zur Shamir Holdings' own WACC % has ranged from 3.84 to 19.28 over the past decade. While the company's 10-year median is 16.99 vs. the industry median of 9.26, 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 WACC % for an Insurance company?
The median WACC % among Insurance companies is 9.26, based on 512 companies in the industry. Companies in the top quartile (top 25%) have a WACC % significantly above this median, while those in the bottom quartile fall well below. However, WACC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Zur Shamir Holdings's current WACC % of 12.39% is 33.9% 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 WACC % mean?
A high WACC % can signal that a stock is expensive relative to its fundamentals. The weighted average cost of capital (WACC) is the average rate a company pays to finance assets. View historical data on Zur Shamir Holdings and its competitors. For the Insurance industry, the median WACC % is 9.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zur Shamir Holdings's current WACC % is 12.39%, which is 27% below median its own 10-year median of 16.99. 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 WACC % is 12.39%, which is 27% below median its 10-year median of 16.99 and 33.9% above the Insurance industry median of 9.26. 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 WACC % calculated?
WACC % is calculated from a company's financial statements. For Zur Shamir Holdings (XTAE:ZUR), the current WACC % is 12.39% 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:
WACC %: 12.39% (27% below median its 10-year median of 16.99)
GF Value™: ₪10.32 vs. price of ₪13.68 (32.6% above fair value)
Industry Position: 33.9% above the Insurance median (#443 of 512)
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
Get the complete analysis for XTAE:ZUR
WACC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XTAE:ZUR has been successfully added to your 
