Clal Insurance (CLIS) AI Stock Analysis

• Market Cap: 13.18B
• Dividend Yield: 1.53%
• Average Volume (3M): 440.62K
• Price to Earnings (P/E): 12.1
• Beta (1Y): 1.80
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: IL
• Employees: 3,653
• Sector: Financial
• Sector Strength: 81
• Industry: Insurance - Diversified
• EPS (TTM): 512.00
• Shares Outstanding: 79,661,730
• 10 Day Avg. Volume: 382,093
• 30 Day Avg. Volume: 440,618
• PEG Ratio: 0.23
• Price to Book (P/B): 1.39
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 14.77
• 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: 70 Outperform
• Price Target: 17,611.00 ▲(60.25%Upside)

Clal Insurance's overall score reflects strong technical momentum and a fair valuation, tempered by financial performance concerns. Key strengths include substantial revenue growth and strong gross margins. However, financial volatility and potential overbought conditions in technical indicators suggest caution.

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 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 shows strong revenue growth and a robust balance sheet with low leverage, ensuring financial stability. However, profitability metrics like net profit margin and ROE indicate room for improvement. Cash flow generation is improving but could be more efficient.

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	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	22.45B	26.83B	21.45B	7.31B	25.06B	14.71B
Gross Profit	22.45B	26.34B	21.45B	7.31B	25.06B	14.64B
EBITDA	2.84B	2.33B	1.46B	729.00M	2.14B	949.29M
Net Income	1.08B	718.00M	220.00M	121.00M	1.08B	438.68M
Balance Sheet
Total Assets	171.61B	170.10B	163.62B	144.62B	145.51B	124.48B
Cash, Cash Equivalents and Short-Term Investments	6.83B	20.15B	8.64B	13.90B	26.53B	17.72B
Total Debt	770.00M	775.00M	777.00M	5.13B	4.86B	4.64B
Total Liabilities	162.38B	160.57B	154.97B	136.56B	137.73B	118.13B
Stockholders Equity	9.15B	9.45B	8.58B	8.00B	7.72B	6.30B
Cash Flow
Free Cash Flow	863.00M	1.18B	-4.64B	-2.80B	6.87B	-1.47B
Operating Cash Flow	1.27B	1.60B	-4.31B	-2.59B	7.09B	-1.25B
Investing Cash Flow	-2.15B	-1.08B	-2.24B	-365.96M	-162.00M	-379.62M
Financing Cash Flow	534.00M	-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: Positive
• RSI: Negative
• 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 below the 20-day moving average (MA) of 15273.50, below the 50-day MA of 12464.05, and above the 200-day MA of 9463.33, indicating a bullish trend. The MACD of 1298.28 indicates Positive momentum. The RSI at 71.47 is Negative, neither overbought nor oversold. The STOCH value of 51.94 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
Sector *	73 Outperform	15.02B	17.53	16.30%	3.96%	8.25%	25.93%
CLIS	70 Outperform	13.18B	12.09		1.53%	―	―
HAHRF	―	$6.07B	6.29	12.96%	14.08%	―	―
PHOE	75 Outperform	26.86B	12.50		3.52%	-11.69%	105.99%
MMHD	72 Outperform	17.49B	14.22		3.43%	-2.35%	80.26%
MGDL	70 Outperform	10.56B	13.73		0.58%	-16.50%	29.61%
IDIN	70 Outperform	2.84B	9.51		7.81%	25.90%	68.30%

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.