Clal Insurance (CLIS) AI Stock Analysis

• Market Cap: 9.33B
• Dividend Yield: 1.04%
• Average Volume (3M): 449.80K
• Price to Earnings (P/E): 8.6
• Beta (1Y): 1.76
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: IL
• Employees: 3,653
• Sector: Financial
• Sector Strength: 79
• Industry: Insurance - Diversified
• EPS (TTM): 512.00
• Shares Outstanding: 79,589,264
• 10 Day Avg. Volume: 547,616
• 30 Day Avg. Volume: 449,797
• PEG Ratio: 11.71
• Price to Book (P/B): 0.92
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 7.53
• 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

Income Statement

Balance Sheet

Cash Flow

Breakdown
TTM	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement		Total Revenue
26.07B	21.45B	7.31B	25.06B	14.64B	19.78B
	Gross Profit
26.07B	21.45B	7.31B	25.06B	14.64B	19.78B
	EBIT
3.70B	19.42B	159.55M	1.58B	629.43M	-808.08M
	EBITDA
16.43B	-294.00M	482.00M	1.91B	949.29M	378.62M
	Net Income Common Stockholders
564.00M	220.00M	121.00M	1.08B	438.68M	-556.92M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
5.07B	8.64B	25.00B	26.53B	17.72B	16.32B
	Total Assets
108.84B	163.62B	144.62B	145.51B	124.48B	117.83B
	Total Debt
605.25M	777.00M	5.13B	4.86B	4.64B	4.68B
	Net Debt
-4.47B	-6.19B	-6.92B	-9.25B	-2.58B	-4.44B
	Total Liabilities
103.70B	154.97B	136.55B	137.73B	118.13B	112.59B
	Stockholders Equity
5.10B	8.58B	8.00B	7.72B	6.30B	5.18B
Cash Flow		Free Cash Flow
1.13B	-4.64B	-2.80B	6.87B	-1.47B	2.89B
	Operating Cash Flow
1.55B	-4.31B	-2.59B	7.09B	-1.25B	3.13B
	Investing Cash Flow
-1.38B	-2.24B	-365.96M	-162.03M	-379.62M	-222.38M
	Financing Cash Flow
-502.00M	1.44B	785.33M	16.02M	-194.31M	1.31B

Clal Insurance Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 10990.00
• 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 10990 is above the 20-day moving average (MA) of 10579.15, above the 50-day MA of 9997.42, and above the 200-day MA of 8494.81, indicating a bullish trend. The MACD of 503.99 indicates Negative momentum. The RSI at 76.02 is Negative, neither overbought nor oversold. The STOCH value of 94.19 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	80 Outperform	20.11B	9.34		4.06%	-11.69%	105.99%
MMHD	78 Outperform	12.70B	11.69		3.41%	17.56%	109.62%
IDIN	75 Outperform	2.84B	9.53		6.99%	25.90%	68.30%
MGDL	71 Outperform	8.00B	10.44		0.68%	-16.50%	29.61%
HARL	69 Neutral	$15.16B	16.08	10.28%	5.27%	9.19%	97.09%
CLIS	68 Neutral	9.33B	8.56		1.04%	―	―
Sector *	64 Neutral	$12.83B	9.78	7.78%	16985.64%	12.26%	-7.81%

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.