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Clal Insurance Enterprises Holdings Limited (IL:CLIS)
:CLIS
Israel Market

Clal Insurance (CLIS) Ratios

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Clal Insurance Ratios

IL:CLIS's free cash flow for Q3 2025 was ₪1.00. For the 2025 fiscal year, IL:CLIS's free cash flow was decreased by ₪ and operating cash flow was ₪0.30. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
0.06 0.00 0.00 0.00 0.00
Quick Ratio
0.06 0.00 0.00 0.00 0.00
Cash Ratio
0.04 0.00 0.00 0.00 0.00
Solvency Ratio
0.01 <0.01 <0.01 <0.01 0.01
Operating Cash Flow Ratio
<0.01 0.00 0.00 0.00 0.00
Short-Term Operating Cash Flow Coverage
0.00 0.74 0.00 0.00 0.00
Net Current Asset Value
₪ -164.18B₪ -141.20B₪ -146.33B₪ -122.65B₪ -111.20B
Leverage Ratios
Debt-to-Assets Ratio
0.09 <0.01 <0.01 0.04 0.03
Debt-to-Equity Ratio
1.56 0.08 0.09 0.64 0.63
Debt-to-Capital Ratio
0.61 0.08 0.08 0.39 0.39
Long-Term Debt-to-Capital Ratio
0.60 0.58 0.00 0.36 0.36
Financial Leverage Ratio
18.21 18.00 19.07 18.09 18.84
Debt Service Coverage Ratio
3.85 0.76 2.04 3.10 6.98
Interest Coverage Ratio
3.32 1.30 0.53 0.89 6.68
Debt to Market Cap
0.79 2.18 0.00 1.04 0.79
Interest Debt Per Share
207.63 19.91 18.34 72.40 75.41
Net Debt to EBITDA
2.28 -2.70 -4.25 -9.49 -4.32
Profitability Margins
Gross Profit Margin
100.00%96.62%95.24%83.59%95.77%
EBIT Margin
15.26%6.86%4.65%5.57%7.25%
EBITDA Margin
17.41%8.70%6.78%9.98%8.55%
Operating Profit Margin
11.72%3.88%1.61%2.59%6.29%
Pretax Profit Margin
11.73%3.88%1.62%2.66%6.31%
Net Profit Margin
7.91%2.68%1.03%1.66%4.32%
Continuous Operations Profit Margin
7.94%2.70%1.04%1.72%4.34%
Net Income Per EBT
67.46%68.91%63.40%62.37%68.44%
EBT Per EBIT
100.07%100.10%100.58%102.65%100.25%
Return on Assets (ROA)
1.02%0.42%0.13%0.08%0.74%
Return on Equity (ROE)
19.63%7.60%2.56%1.51%14.01%
Return on Capital Employed (ROCE)
7.00%0.61%0.21%0.13%1.08%
Return on Invested Capital (ROIC)
4.74%0.42%0.08%0.08%0.40%
Return on Tangible Assets
1.03%0.43%0.14%0.08%0.75%
Earnings Yield
9.91%10.59%4.83%2.77%20.04%
Efficiency Ratios
Receivables Turnover
1.21 1.39 0.00 0.00 0.00
Payables Turnover
0.00 0.09 0.12 2.31 1.65
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
25.28 27.41 21.84 10.82 36.20
Asset Turnover
0.13 0.16 0.13 0.05 0.17
Working Capital Turnover Ratio
-0.35 1.92 1.90 0.36 1.25
Cash Conversion Cycle
301.87 -3.93K -3.09K -158.30 -220.59
Days of Sales Outstanding
301.87 263.52 0.00 0.00 0.00
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
0.00 4.19K 3.09K 158.30 220.59
Operating Cycle
301.87 263.52 0.00 0.00 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
16.20 17.47 -55.37 -35.06 104.84
Free Cash Flow Per Share
12.42 16.65 -59.59 -37.93 101.54
CapEx Per Share
3.78 0.82 4.21 2.87 3.30
Free Cash Flow to Operating Cash Flow
0.77 0.95 1.08 1.08 0.97
Dividend Paid and CapEx Coverage Ratio
2.14 8.28 -13.11 -12.20 31.80
Capital Expenditure Coverage Ratio
4.28 21.26 -13.15 -12.20 31.80
Operating Cash Flow Coverage Ratio
0.08 1.78 -5.55 -0.50 1.46
Operating Cash Flow to Sales Ratio
0.05 0.05 -0.20 -0.35 0.28
Free Cash Flow Yield
5.20%19.43%-101.86%-64.09%127.25%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
10.09 9.44 20.71 36.09 4.99
Price-to-Sales (P/S) Ratio
0.81 0.25 0.21 0.60 0.22
Price-to-Book (P/B) Ratio
1.87 0.72 0.53 0.55 0.70
Price-to-Free Cash Flow (P/FCF) Ratio
19.23 5.15 -0.98 -1.56 0.79
Price-to-Operating Cash Flow Ratio
14.61 4.91 -1.06 -1.69 0.76
Price-to-Earnings Growth (PEG) Ratio
0.31 0.04 0.28 -0.40 0.03
Price-to-Fair Value
1.87 0.72 0.53 0.55 0.70
Enterprise Value Multiple
6.91 0.21 -1.12 -3.50 -1.80
Enterprise Value
28.48B 484.78M -1.63B -2.55B -3.85B
EV to EBITDA
6.91 0.21 -1.12 -3.50 -1.80
EV to Sales
1.20 0.02 -0.08 -0.35 -0.15
EV to Free Cash Flow
28.71 0.37 0.35 0.91 -0.56
EV to Operating Cash Flow
22.01 0.35 0.38 0.99 -0.54
Tangible Book Value Per Share
99.54 92.47 82.79 92.42 96.05
Shareholders’ Equity Per Share
126.24 119.47 110.20 108.34 114.20
Tax and Other Ratios
Effective Tax Rate
0.32 0.30 0.36 0.35 0.31
Revenue Per Share
296.57 339.23 275.43 99.00 370.49
Net Income Per Share
23.46 9.08 2.83 1.64 16.00
Tax Burden
0.67 0.69 0.63 0.62 0.68
Interest Burden
0.77 0.57 0.35 0.48 0.87
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
-0.02 0.02 0.02 0.05 0.01
Stock-Based Compensation to Revenue
<0.01 0.00 <0.01 <0.01 <0.01
Income Quality
0.69 1.92 -19.60 -20.53 6.55
Currency in ILS