ALTSHULER SHAHAM FINANCIAL LTD (ALTF) AI Stock Analysis

• Market Cap: 1.19B
• Dividend Yield: 6.08%
• Average Volume (3M): 326.66K
• Price to Earnings (P/E): 10.9
• Beta (1Y): 1.04
• Revenue Growth: -4.43%
• EPS Growth: -14.04%
• Country: IL
• Employees: 864
• Sector: Financial
• Sector Strength: 79
• Industry: Asset Management
• EPS (TTM): 11.90
• Shares Outstanding: 198,051,300
• 10 Day Avg. Volume: 420,478
• 30 Day Avg. Volume: 326,657
• PEG Ratio: -0.33
• Price to Book (P/B): 2.75
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 8.06
• 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: N/A
• Number of Analyst Covering: 0

• Rating: 78 Outperform
• Price Target: 689.00 ▲(24.57%Upside)

ALTSHULER SHAHAM FINANCIAL LTD scores well due to strong technical indicators and favorable valuation metrics. Although financial performance presents mixed signals with declining revenue and profitability, the stock still benefits from a robust cash flow situation. The technical strength and attractive valuation, with a low P/E ratio and high dividend yield, are the most significant contributors to the stock's overall score.

ALTSHULER SHAHAM FINANCIAL LTD Business Overview & Revenue Model

Company Description

Altschuler Shaham Financial Ltd (ALTF) is a leading financial services firm headquartered in Israel. The company specializes in providing a wide range of financial products and services, including asset management, mutual funds, and pension funds. With a strong presence in the Israeli financial market, ALTF is known for its expertise in investment management and its commitment to delivering high-quality financial solutions to its clients.

How the Company Makes Money

Altschuler Shaham Financial Ltd generates revenue primarily through management fees charged on assets under management (AUM) in its mutual funds and pension funds. The company earns a percentage of the total assets it manages, which forms a steady income stream. Additionally, ALTF may generate income from performance fees, which are contingent on achieving specific investment benchmarks or returns. The firm also benefits from advisory and consultancy fees on specialized financial services provided to institutional and individual clients. Key partnerships with banks and financial institutions can enhance their market reach and contribute to their revenue growth.

ALTSHULER SHAHAM FINANCIAL LTD Financial Statement Overview

Summary

Overall, ALTSHULER SHAHAM FINANCIAL LTD shows a mixed financial performance. The company faces challenges with declining revenue and profitability margins but maintains a strong cash flow position. While the balance sheet shows adequate equity, increasing leverage is a potential risk. Management should focus on reversing the declining revenue trend and managing debt levels to enhance financial stability.

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	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	918.16M	990.30M	1.29B	1.43B	899.05M
Gross Profit	406.66M	446.42M	617.97M	911.31M	370.61M
EBITDA	246.80M	288.89M	411.59M	427.78M	244.80M
Net Income	113.06M	137.55M	212.86M	258.26M	138.26M
Balance Sheet
Total Assets	1.21B	1.19B	1.33B	1.62B	723.38M
Cash, Cash Equivalents and Short-Term Investments	83.99M	115.86M	100.06M	298.67M	140.05M
Total Debt	515.86M	519.50M	109.12M	71.90M	15.36M
Total Liabilities	664.25M	673.31M	834.95M	1.07B	439.90M
Stockholders Equity	549.03M	520.28M	493.39M	551.52M	283.48M
Cash Flow
Free Cash Flow	138.31M	211.73M	168.37M	166.62M	96.20M
Operating Cash Flow	155.05M	232.94M	229.75M	206.93M	119.82M
Investing Cash Flow	-40.56M	46.05M	-23.21M	-654.74M	-21.68M
Financing Cash Flow	-146.35M	-259.66M	-406.59M	-159.42M	-37.14M

ALTSHULER SHAHAM FINANCIAL LTD Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 553.10
• 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 Positive. The current price of 553.1 is below the 20-day moving average (MA) of 589.60, below the 50-day MA of 557.68, and below the 200-day MA of 570.41, indicating a bullish trend. The MACD of 11.43 indicates Positive momentum. The RSI at 58.67 is Neutral, neither overbought nor oversold. The STOCH value of 24.68 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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
ALTF	78 Outperform	1.19B	10.93		6.08%	-4.43%	-14.04%
GNRS	76 Outperform	1.31B	14.47		4.60%	―	―
MPP	69 Neutral	1.44B	25.93		3.96%	―	―
MRIN	66 Neutral	1.98B	20.77		5.43%	22.46%	38.85%
Sector *	62 Neutral	AU$9.99B	8.03	10.79%	5.17%	32.02%	38.31%