Clal Insurance (CLIS) AI Stock Analysis

• Market Cap: 17.68B
• Dividend Yield: 1.71%
• Average Volume (3M): 354.75K
• Price to Earnings (P/E): 9.4
• Beta (1Y): 1.83
• Revenue Growth: -27.87%
• EPS Growth: 229.49%
• Country: IL
• Employees: 3,653
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Diversified
• EPS (TTM): 741.10
• Shares Outstanding: 80,044,260
• 10 Day Avg. Volume: 320,798
• 30 Day Avg. Volume: 354,754
• PEG Ratio: 0.04
• Price to Book (P/B): 0.72
• Price to Sales (P/S): 0.25
• P/FCF Ratio: 5.15
• 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
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 75 Outperform
• Price Target: 21,787.00 ▼(-3.13% Downside)

Clal Insurance's strong financial performance and reasonable valuation are the primary drivers of its score. The stock's bullish technical indicators are tempered by overbought signals, suggesting caution. The absence of earnings call and corporate events data limits further insights.

Positive Factors

Profitability

High gross profit margins and improved net profit margins indicate efficient cost management and enhanced operational efficiency, supporting long-term profitability.

Operational Efficiency

Improved EBIT and EBITDA margins reflect better operational efficiency, which can lead to sustained profitability and competitive advantage over time.

Return on Equity

Improved return on equity indicates effective management in utilizing shareholder funds to generate profits, enhancing investor confidence and long-term growth potential.

Negative Factors

Revenue Decline

A significant revenue decline poses risks to growth and market position, potentially impacting long-term financial stability and strategic initiatives.

Increased Leverage

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

Cash Flow Challenges

Declining free cash flow growth indicates potential issues in cash generation, which can limit the company's ability to fund operations and investments sustainably.

Clal Insurance Business Overview & Revenue Model

Company Description

Clal Insurance (CLIS) is a leading insurance and financial services company based in Israel, specializing in a wide range of products including life insurance, health insurance, property and casualty insurance, and pension plans. The company operates in both the insurance and investment sectors, offering tailored solutions to individuals, families, and businesses. Clal Insurance is committed to providing comprehensive coverage and financial security, leveraging advanced technology and customer service to enhance client experiences.

How the Company Makes Money

Clal Insurance generates revenue primarily through the collection of premiums from its various insurance products, including life, health, and property insurance. The company earns money by underwriting insurance policies, where it assesses risk and sets premium rates accordingly. Additionally, Clal Insurance invests the premiums it collects into various financial markets, generating investment income. Key revenue streams include individual policyholder premiums, group insurance contracts, and investment returns from the managed assets within its portfolio. The company may also engage in strategic partnerships with financial institutions and other entities to offer bundled services, enhancing its market reach and revenue potential.

Clal Insurance Financial Statement Overview

Summary

Clal Insurance shows strong revenue growth and profitability, with effective cost management and operational efficiency. However, the high debt-to-equity ratio indicates significant leverage, which could pose risks. Cash flow improvements are notable, enhancing financial flexibility, but further optimization is needed.

Income Statement

Clal Insurance demonstrates robust revenue growth with a 23.84% increase in TTM, indicating strong market performance. The company maintains healthy profitability with a gross profit margin exceeding 100% and a net profit margin of 5.09%. EBIT and EBITDA margins are also solid at 10.41% and 12.21%, respectively, reflecting efficient operations. However, the net profit margin, while improved, suggests room for further enhancement in cost management.

Balance Sheet

The balance sheet shows a high debt-to-equity ratio of 1.66, indicating significant leverage, which could pose risks in volatile markets. However, the return on equity is strong at 15.13%, showcasing effective use of equity to generate profits. The equity ratio is not provided, but the company's substantial total assets suggest a stable asset base.

Cash Flow

Clal Insurance's cash flow is improving, with a significant 56.32% growth in free cash flow, indicating enhanced cash generation capabilities. The free cash flow to net income ratio of 76.43% suggests effective conversion of profits into cash. However, the operating cash flow to net income ratio is unavailable, which limits a full assessment of cash flow efficiency.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	23.69B	26.83B	21.45B	7.31B	25.06B	14.64B
Gross Profit	23.93B	25.93B	20.43B	6.11B	24.00B	13.60B
EBITDA	4.12B	2.33B	1.46B	729.00M	2.14B	1.07B
Net Income	1.87B	718.00M	220.00M	121.00M	1.08B	438.68M
Balance Sheet
Total Assets	183.67B	170.10B	163.62B	144.62B	145.51B	124.48B
Cash, Cash Equivalents and Short-Term Investments	6.34B	20.15B	8.64B	13.90B	26.53B	17.72B
Total Debt	15.75B	775.00M	777.00M	5.13B	4.86B	4.64B
Total Liabilities	173.51B	160.57B	154.97B	136.56B	137.73B	118.13B
Stockholders Equity	10.08B	9.45B	8.58B	8.00B	7.72B	6.30B
Cash Flow
Free Cash Flow	992.00M	1.32B	-4.64B	-2.80B	6.87B	-1.47B
Operating Cash Flow	1.29B	1.38B	-4.31B	-2.59B	7.09B	-1.25B
Investing Cash Flow	-2.34B	-1.08B	-2.24B	-365.96M	-162.00M	-379.62M
Financing Cash Flow	553.00M	-79.00M	1.44B	785.33M	16.00M	-194.31M

Clal Insurance Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 22490.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IL:CLIS, the sentiment is Positive. The current price of 22490 is above the 20-day moving average (MA) of 20329.50, above the 50-day MA of 19140.20, and above the 200-day MA of 14411.40, indicating a bullish trend. The MACD of 791.97 indicates Negative momentum. The RSI at 70.57 is Negative, neither overbought nor oversold. The STOCH value of 86.41 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IL:CLIS.

Clal Insurance Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PHOE	79 Outperform	36.12B	11.81	―	4.21%	12.22%	71.58%
MMHD	79 Outperform	26.26B	12.80	―	2.68%	23.28%	124.99%
HARL	76 Outperform	28.34B	11.80	23.23%	2.24%	5.84%	138.80%
CLIS	75 Outperform	17.68B	9.38	―	1.71%	-27.87%	229.49%
MGDL	70 Outperform	16.91B	12.13	―	0.33%	6.00%	36.33%
IDIN	69 Neutral	3.86B	11.24	―	6.00%	19.48%	53.61%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%