Clal Insurance (CLIS) AI Stock Analysis

• Market Cap: 9.26B
• Dividend Yield: 1.08%
• Average Volume (3M): 472.93K
• Price to Earnings (P/E): 8.5
• Beta (1Y): 1.77
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: IL
• Employees: 3,653
• Sector: Financial
• Sector Strength: 78
• Industry: Insurance - Diversified
• EPS (TTM): 512.00
• Shares Outstanding: 79,589,264
• 10 Day Avg. Volume: 615,375
• 30 Day Avg. Volume: 472,926
• PEG Ratio: -0.40
• Price to Book (P/B): 0.55
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -1.56
• 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: 68 Neutral
• Price Target: 12,667.00 ▲(15.26%Upside)

The overall stock score is primarily driven by robust financial performance, reflecting strong revenue growth and a stable balance sheet, albeit with room for improvement in profitability and cash flow efficiency. Technical analysis supports a bullish outlook, though the stock appears overbought, suggesting caution. Valuation indicates potential undervaluation, offering an attractive investment proposition in the insurance sector.

Clal Insurance Business Overview & Revenue Model

Company Description

Clal Insurance (CLIS) is a leading insurance company based in Israel, providing a wide range of insurance and financial services. The company operates in multiple sectors, including life insurance, health insurance, property and casualty insurance, and pension and provident funds. Clal Insurance is known for its comprehensive insurance products and services tailored to meet the needs of individual and corporate clients, offering solutions for risk management, savings, and retirement planning.

How the Company Makes Money

Clal Insurance makes money primarily through the premiums collected from its insurance policies. Key revenue streams include life insurance premiums, health insurance premiums, and property and casualty insurance premiums. Additionally, the company generates income from managing pension and provident funds, earning management fees, and investment income from the assets under management. Strategic partnerships with financial institutions and distribution channels, as well as a focus on customer-centric product offerings, contribute significantly to Clal Insurance's earnings.

Clal Insurance Financial Statement Overview

Summary

Clal Insurance demonstrates strong revenue growth and a robust balance sheet with low leverage, ensuring financial stability. However, profitability metrics such as net profit margin and ROE indicate room for improvement. Cash flow generation has shown a positive trend, yet efficiency in converting income to cash flow could be enhanced.

Income Statement

Clal Insurance demonstrates a solid revenue growth with an increase from 21,448 million in 2023 to 26,833 million in 2024, representing a growth rate of approximately 25%. The gross profit margin remains healthy at 100%, suggesting efficient cost management. However, the net profit margin is modest at around 2.7% in 2024, indicating potential room for cost optimization or revenue increase. EBIT and EBITDA margins are satisfactory, but the decline in EBIT from 2023 to 2024 suggests potential operational challenges.

Balance Sheet

The balance sheet shows a strong equity base with a debt-to-equity ratio of approximately 0.08 in 2024, indicating low leverage and financial stability. The equity ratio is around 5.6%, reflecting a solid capital structure. Return on Equity (ROE) is around 7.6% for 2024, which, while positive, suggests there is room for improvement in profitability.

Cash Flow

Cash flow from operations improved significantly from -4,312 million in 2023 to 1,601 million in 2024, indicating better operational cash management. Free cash flow is positive at 1,178 million in 2024, a turnaround from negative figures in previous years. However, the free cash flow to net income ratio remains low, suggesting that cash flow generation could be more efficient.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
26.83B	21.45B	7.31B	25.06B	14.71B
	Gross Profit
26.83B	21.45B	7.31B	25.06B	14.64B
	EBIT
1.04B	19.42B	189.00M	1.58B	629.43M
	EBITDA
2.33B	1.46B	729.00M	2.14B	949.29M
	Net Income Common Stockholders
718.00M	220.00M	121.00M	1.08B	438.68M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
20.15B	8.64B	13.90B	26.53B	17.72B
	Total Assets
170.10B	163.62B	144.62B	145.51B	124.48B
	Total Debt
775.00M	777.00M	5.13B	4.86B	4.64B
	Net Debt
-6.29B	-6.19B	-6.92B	-9.25B	-2.58B
	Total Liabilities
160.57B	154.97B	136.56B	137.73B	118.13B
	Stockholders Equity
9.45B	8.58B	8.00B	7.72B	6.30B
Cash Flow		Free Cash Flow
1.18B	-4.64B	-2.80B	6.87B	-1.47B
	Operating Cash Flow
1.60B	-4.31B	-2.59B	7.09B	-1.25B
	Investing Cash Flow
-1.08B	-2.24B	-365.96M	-162.00M	-379.62M
	Financing Cash Flow
-323.00M	1.44B	785.33M	16.00M	-194.31M

Clal Insurance Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 10990.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

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 10990 is above the 20-day moving average (MA) of 10832.15, above the 50-day MA of 10161.62, and above the 200-day MA of 8585.50, indicating a bullish trend. The MACD of 527.99 indicates Negative momentum. The RSI at 66.14 is Neutral, neither overbought nor oversold. The STOCH value of 79.95 is Neutral, 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	80 Outperform	19.15B	9.25		5.91%	-11.69%	105.99%
MMHD	78 Outperform	11.90B	10.95		5.04%	17.56%	109.62%
IDIN	75 Outperform	2.65B	8.91		8.29%	25.90%	68.30%
MGDL	71 Outperform	7.80B	10.37		0.77%	-16.50%	29.61%
HARL	69 Neutral	$14.23B	11.55	12.96%	14.08%	-10.79%	67.20%
CLIS	68 Neutral	9.26B	8.50		1.08%	―	―
Sector *	64 Neutral	$12.93B	9.70	7.85%	78.03%	12.07%	-7.83%

Clal Insurance Corporate Events

Clal Insurance Seeks Withdrawal from Class Action Lawsuit

Clal Insurance has announced the submission of an agreed request for withdrawal in a class action lawsuit filed against it. The lawsuit concerned the alleged improper cancellation of policies, and Clal Insurance has agreed to provide additional disclosure and pay nominal fees and compensation. This request is pending court approval, which remains uncertain.