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Clal Insurance
(TASE:CLIS)
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Rating:66Neutral
Price Target:
24,484.00
▲(2.14% Upside)
Action:Downgraded
Date:05/30/26
The score is driven primarily by mixed financial performance: a strong profitability rebound and healthy ROE are tempered by materially higher leverage and cash-flow volatility. Technicals are a clear positive with the price above key moving averages and supportive momentum. Valuation also helps, with a relatively low P/E and a modest dividend yield.
Positive Factors
Diversified Product Mix
A broad portfolio across life, health, P&C and pensions supports revenue stability and cross-sell opportunities. Diversification reduces reliance on a single line, smoothing underwriting volatility over business cycles and enabling scale in distribution and asset management over the next 2–6 months.
Negative Factors
Rising Leverage
A sharp increase in leverage materially raises financial and regulatory risk for an insurer. Higher debt amplifies sensitivity to interest rates and earnings shocks, constraining capital management and potentially forcing higher capital charges or reduced underwriting capacity if profitability weakens.
Read all positive and negative factors
Positive Factors
Negative Factors
Diversified Product Mix
A broad portfolio across life, health, P&C and pensions supports revenue stability and cross-sell opportunities. Diversification reduces reliance on a single line, smoothing underwriting volatility over business cycles and enabling scale in distribution and asset management over the next 2–6 months.
Read all positive factors
Clal Insurance (CLIS) vs. iShares MSCI Israel ETF (EIS)
Market Cap
₪18.13B
Dividend Yield2.21%
Average Volume (3M)354.75K
Price to Earnings (P/E)7.7
Beta (1Y)1.75
Revenue Growth-30.11%
EPS Growth110.97%
CountryIL
Employees3,610
SectorGeneral
Sector StrengthN/A
IndustryInsurance - Diversified
Share Statistics
EPS (TTM)28.86
Shares Outstanding81,474,976
10 Day Avg. Volume320,798
30 Day Avg. Volume354,754
Financial Highlights & Ratios
PEG Ratio0.03
Price to Book (P/B)1.52
Price to Sales (P/S)1.08
P/FCF Ratio7.52
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)27.38
Revenue Forecast (FY)₪9.22B
Clal Insurance Business Overview & Revenue Model
Company Description
Clal Insurance Enterprises Holdings Ltd. (CLIS) is an Israeli insurance and financial services group that provides a range of insurance and long-term savings products to individuals and businesses. The company’s activities span life insurance, hea...
How the Company Makes Money
Clal Insurance makes money primarily by underwriting insurance risk and by managing long-term savings and investment products.
1) Insurance underwriting (risk-based earnings)
- Premiums: The company collects premiums on life, health, and general ...
Clal Insurance Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
58
Neutral
Cash Flow
46
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 21.53B | 15.13B | 26.83B | 21.45B | 7.31B | 25.06B |
| Gross Profit | 21.53B | 15.13B | 25.93B | 20.43B | 6.11B | 24.00B |
| EBITDA | 4.85B | 4.77B | 2.33B | 1.46B | 729.00M | 2.14B |
| Net Income | 2.31B | 2.28B | 718.00M | 220.00M | 121.00M | 1.08B |
Balance Sheet | ||||||
| Total Assets | 187.00B | 188.36B | 170.10B | 163.62B | 144.62B | 145.51B |
| Cash, Cash Equivalents and Short-Term Investments | 7.94B | 4.06B | 20.15B | 8.64B | 13.90B | 26.53B |
| Total Debt | 18.32B | 17.31B | 775.00M | 777.00M | 5.13B | 4.86B |
| Total Liabilities | 175.99B | 177.44B | 160.57B | 154.97B | 136.56B | 137.73B |
| Stockholders Equity | 10.92B | 10.83B | 9.45B | 8.58B | 8.00B | 7.72B |
Cash Flow | ||||||
| Free Cash Flow | 691.00M | 2.18B | 1.32B | -4.64B | -2.80B | 6.87B |
| Operating Cash Flow | 953.00M | 2.24B | 1.38B | -4.31B | -2.59B | 7.09B |
| Investing Cash Flow | -2.24B | -2.35B | -1.08B | -2.24B | -365.96M | -162.00M |
| Financing Cash Flow | 2.51B | 1.47B | -79.00M | 1.44B | 785.33M | 16.00M |
Clal Insurance Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | ₪28.49B | 11.66 | ― | 3.29% | 43.27% | 99.24% | |
73 Outperform | ₪4.17B | 8.39 | ― | 3.89% | ― | ― | |
72 Outperform | ₪18.24B | 9.56 | ― | ― | 35.50% | 147.32% | |
66 Neutral | ₪18.13B | 7.71 | ― | 2.07% | -30.11% | 110.97% | |
66 Neutral | ₪42.46B | 12.60 | ― | 3.14% | 28.82% | 58.47% | |
65 Neutral | ₪34.42B | 11.31 | 23.23% | 3.92% | 28.54% | 147.51% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IL:CLIS
Clal Insurance
22,440.00
6,682.89
42.41%
IL:HARL
Harel
16,780.00
6,736.19
67.07%
IL:MGDL
Migdal Insur.
1,744.00
654.00
60.00%
IL:PHOE
Phoenix
16,990.00
5,923.42
53.53%
IL:MMHD
Menora Miv Hld
45,960.00
16,578.33
56.42%
IL:AYAL
Ayalon Hold.
15,110.00
9,483.24
168.54%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.