ALTSHULER SHAHAM FINANCIAL LTD (ALTF) AI Stock Analysis

• Market Cap: 1.74B
• Dividend Yield: 4.91%
• Average Volume (3M): 480.15K
• Price to Earnings (P/E): 15.4
• Beta (1Y): 0.78
• Revenue Growth: 0.65%
• EPS Growth: -0.83%
• Country: IL
• Employees: 864
• Sector: Financial
• Sector Strength: 70
• Industry: Asset Management
• EPS (TTM): 14.30
• Shares Outstanding: 198,358,830
• 10 Day Avg. Volume: 449,850
• 30 Day Avg. Volume: 480,153
• PEG Ratio: -0.60
• Price to Book (P/B): 2.31
• Price to Sales (P/S): 1.38
• P/FCF Ratio: 9.18
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 69 Neutral
• Price Target: 947.00 ▲(8.35% Upside)

The overall stock score is primarily influenced by the company's stable financial performance and attractive valuation. While technical analysis shows mixed signals, the longer-term trends are positive. The absence of earnings call data and corporate events means these factors do not impact the score.

Positive Factors

Strong Cash Flow

Positive operating cash flow indicates efficient operations and the ability to fund growth and manage debt, supporting long-term stability.

Stable Balance Sheet

A stable equity ratio suggests a solid financial foundation, providing resilience against market fluctuations and supporting future investment.

Revenue Model

A diversified revenue model with management and performance fees ensures steady income, enhancing financial predictability and growth potential.

Negative Factors

Declining Revenue

Declining revenue indicates challenges in market demand or competitive positioning, potentially impacting long-term growth and profitability.

Rising Leverage

Increasing leverage can strain financial flexibility and elevate risk, affecting the company's ability to invest in growth opportunities.

Decreasing Profit Margins

Decreasing profit margins suggest rising costs or pricing pressures, which can erode profitability and hinder long-term financial performance.

ALTSHULER SHAHAM FINANCIAL LTD Business Overview & Revenue Model

Company Description

ALTShuler Shaham Financial Ltd (ALTF) is a prominent financial services firm based in Israel, specializing in asset management, investment services, and financial consulting. The company operates across various sectors, including mutual funds, pension funds, and alternative investments, catering to both institutional and retail clients. ALTF is known for its innovative investment strategies and commitment to delivering tailored financial solutions that meet the diverse needs of its clientele.

How the Company Makes Money

ALTShuler Shaham Financial Ltd generates revenue primarily through management fees charged on the assets under management (AUM) for its various investment products, including mutual funds and pension funds. These fees are typically a percentage of the AUM and vary based on the type of fund and services provided. Additionally, the company earns performance fees from certain funds, which are contingent on the fund achieving specific investment benchmarks. ALTF may also generate income from advisory services offered to institutional clients, as well as commissions from trading activities. Strategic partnerships with financial institutions and access to a broad client base further enhance its revenue potential, allowing it to leverage its expertise in the financial markets.

ALTSHULER SHAHAM FINANCIAL LTD Financial Statement Overview

Summary

ALTSHULER SHAHAM FINANCIAL LTD shows a mixed financial performance with declining revenue and profitability margins. However, it maintains a strong cash flow position. The balance sheet is stable but increasing leverage is a potential risk.

Income Statement

ALTSHULER SHAHAM FINANCIAL LTD has demonstrated a decline in revenue over recent years with a significant drop from 2021 to 2024. The gross profit margin has decreased from previous years, indicating rising costs or diminished pricing power. The net profit margin has also contracted, reflecting challenges in maintaining profitability. Despite these challenges, the company has maintained a reasonable EBIT and EBITDA margin relative to revenue.

Balance Sheet

The company's balance sheet shows a stable equity ratio, indicating a solid foundation of equity relative to total assets. However, the debt-to-equity ratio has increased over time, indicating rising leverage, which could pose a risk if not managed carefully. Return on equity has been decreasing, which suggests diminished profitability and efficiency in utilizing equity.

Cash Flow

ALTSHULER SHAHAM FINANCIAL LTD has maintained positive operating cash flow, which is a positive sign of operational efficiency. Free cash flow, although positive, has declined in recent years, suggesting less cash available after capital expenditures. The free cash flow to net income ratio remains healthy, indicating good conversion of earnings into cash.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	921.57M	918.16M	990.30M	1.29B	1.42B	897.17M
Gross Profit	572.57M	406.66M	446.42M	618.08M	652.13M	368.73M
EBITDA	238.82M	246.80M	288.89M	411.59M	427.78M	248.90M
Net Income	112.24M	113.06M	137.93M	213.12M	258.26M	138.26M
Balance Sheet
Total Assets	1.26B	1.21B	1.19B	1.33B	1.62B	723.38M
Cash, Cash Equivalents and Short-Term Investments	185.78M	83.99M	115.86M	100.06M	298.67M	140.05M
Total Debt	558.07M	515.86M	519.50M	109.12M	729.55M	171.47M
Total Liabilities	697.31M	664.25M	673.31M	834.95M	1.07B	439.90M
Stockholders Equity	566.18M	549.03M	520.28M	493.39M	551.52M	283.48M
Cash Flow
Free Cash Flow	105.39M	138.31M	211.73M	168.37M	166.62M	96.20M
Operating Cash Flow	125.87M	155.05M	232.94M	229.75M	206.93M	119.82M
Investing Cash Flow	-30.15M	-40.56M	46.05M	-23.21M	-654.74M	-21.68M
Financing Cash Flow	-140.75M	-146.35M	-259.66M	-406.59M	-159.42M	-37.14M

ALTSHULER SHAHAM FINANCIAL LTD Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 874.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IL:ALTF, the sentiment is Neutral. The current price of 874 is below the 20-day moving average (MA) of 913.75, above the 50-day MA of 863.87, and above the 200-day MA of 648.10, indicating a neutral trend. The MACD of 4.18 indicates Positive momentum. The RSI at 47.51 is Neutral, neither overbought nor oversold. The STOCH value of 44.18 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IL:ALTF.

ALTSHULER SHAHAM FINANCIAL LTD Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MRIN	74 Outperform	3.18B	26.81	―	3.32%	26.35%	48.62%
MPP	74 Outperform	1.88B	29.39	―	2.89%	19.74%	19.79%
GNRS	70 Neutral	1.87B	11.14	―	1.90%	62.82%	-15.94%
ALTF	69 Neutral	1.74B	15.37	―	4.91%	0.65%	-0.83%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%