Clal Insurance (CLIS) AI Stock Analysis

• Market Cap: 14.81B
• Dividend Yield: 1.76%
• Average Volume (3M): 354.75K
• Price to Earnings (P/E): 10.4
• Beta (1Y): 1.89
• 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: Moderate Buy
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 75 Outperform
• Price Target: 21,787.00 ▲(1.90% Upside)

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

Revenue Growth

Strong revenue growth indicates effective market strategies and product offerings, enhancing long-term business sustainability.

Cash Flow Improvements

Improving cash flow enhances financial flexibility, allowing for strategic investments and debt management, supporting long-term growth.

Profitability

High profitability margins reflect efficient operations and cost management, contributing to sustained financial health and competitive positioning.

Negative Factors

High Leverage

Significant leverage can increase financial risk, especially in volatile markets, potentially impacting long-term stability and investment capacity.

Net Profit Margin

While improved, the net profit margin indicates potential for better cost management, crucial for enhancing profitability and shareholder value.

Operating Cash Flow Data Gaps

Lack of detailed operating cash flow data limits full assessment of cash flow efficiency, potentially obscuring financial health insights.

Clal Insurance Business Overview & Revenue Model

Company Description

Clal Insurance Enterprises Holdings Ltd. provides insurance services in Israel. It operates through three segments: Long-Term Savings, Non-Life insurance, and Health Insurance. The Long-Term Savings segment offers life insurance products and accompanying coverages; long-term savings for various insurance policies, and pension and provident funds, including study funds; and insurance coverage for various risks, such as death, disability, loss of working capacity, and health insurance policies. The Non-life Insurance segment offers third party, employers', professional, and product liability insurance products; credit and foreign trade risks; and property, motor, personal accident, and other insurance products, as well as guarantees. The Health Insurance segment provides long-term care, medical expenses, surgeries, transplants, personal accidents, international travel, dental, foreign workers, and other insurance products. Clal Insurance Enterprises Holdings Ltd. was incorporated in 1987 and is based in Tel Aviv-Yafo, Israel.

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	27.98B	26.83B	21.45B	7.31B	25.06B	14.64B
Gross Profit	27.23B	25.93B	20.43B	6.11B	24.00B	13.60B
EBITDA	3.38B	2.33B	1.46B	729.00M	2.14B	1.07B
Net Income	1.41B	718.00M	220.00M	121.00M	1.08B	438.68M
Balance Sheet
Total Assets	178.97B	170.10B	163.62B	144.62B	145.51B	124.48B
Cash, Cash Equivalents and Short-Term Investments	7.06B	20.15B	8.64B	13.90B	26.53B	17.72B
Total Debt	15.72B	775.00M	777.00M	5.13B	4.86B	4.64B
Total Liabilities	169.40B	160.57B	154.97B	136.56B	137.73B	118.13B
Stockholders Equity	9.49B	9.45B	8.58B	8.00B	7.72B	6.30B
Cash Flow
Free Cash Flow	1.35B	1.32B	-4.64B	-2.80B	6.87B	-1.47B
Operating Cash Flow	1.76B	1.38B	-4.31B	-2.59B	7.09B	-1.25B
Investing Cash Flow	-2.32B	-1.08B	-2.24B	-365.96M	-162.00M	-379.62M
Financing Cash Flow	443.00M	-79.00M	1.44B	785.33M	16.00M	-194.31M

Clal Insurance Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 21380.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• 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 21380 is above the 20-day moving average (MA) of 20069.50, above the 50-day MA of 18664.80, and above the 200-day MA of 14169.93, indicating a bullish trend. The MACD of 522.86 indicates Negative momentum. The RSI at 65.47 is Neutral, neither overbought nor oversold. The STOCH value of 95.39 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	32.94B	12.09	―	4.21%	12.22%	71.58%
MMHD	79 Outperform	20.56B	12.30	―	2.78%	23.28%	124.99%
HARL	76 Outperform	$23.84B	12.36	23.23%	2.27%	5.84%	138.80%
CLIS	75 Outperform	14.81B	10.42	―	1.76%	-27.87%	229.49%
MGDL	70 Outperform	12.79B	14.56	―	0.34%	6.00%	36.33%
IDIN	69 Neutral	3.55B	10.31	―	6.32%	19.48%	53.61%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%