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Clal Insurance Enterprises Holdings (IL:CLIS)
:CLIS
Israel Market

Clal Insurance (CLIS) AI Stock Analysis

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IL

Clal Insurance

(CLIS)

Rating:68Neutral
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 (CLIS) vs. iShares MSCI Israel ETF (EIS)

Clal Insurance Business Overview & Revenue Model

Company DescriptionClal 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 MoneyClal 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
65
Positive
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
72
Positive
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
55
Neutral
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 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income StatementTotal Revenue
26.83B21.45B7.31B25.06B14.71B
Gross Profit
26.83B21.45B7.31B25.06B14.64B
EBIT
1.04B19.42B189.00M1.58B629.43M
EBITDA
2.33B1.46B729.00M2.14B949.29M
Net Income Common Stockholders
718.00M220.00M121.00M1.08B438.68M
Balance SheetCash, Cash Equivalents and Short-Term Investments
20.15B8.64B13.90B26.53B17.72B
Total Assets
170.10B163.62B144.62B145.51B124.48B
Total Debt
775.00M777.00M5.13B4.86B4.64B
Net Debt
-6.29B-6.19B-6.92B-9.25B-2.58B
Total Liabilities
160.57B154.97B136.56B137.73B118.13B
Stockholders Equity
9.45B8.58B8.00B7.72B6.30B
Cash FlowFree Cash Flow
1.18B-4.64B-2.80B6.87B-1.47B
Operating Cash Flow
1.60B-4.31B-2.59B7.09B-1.25B
Investing Cash Flow
-1.08B-2.24B-365.96M-162.00M-379.62M
Financing Cash Flow
-323.00M1.44B785.33M16.00M-194.31M

Clal Insurance Technical Analysis

Technical Analysis Sentiment
Positive
Last Price10990.00
Price Trends
50DMA
10161.62
Positive
100DMA
9974.74
Positive
200DMA
8585.50
Positive
Market Momentum
MACD
527.99
Negative
RSI
66.14
Neutral
STOCH
79.95
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

Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
80
Outperform
19.15B9.25
5.91%-11.69%105.99%
78
Outperform
11.90B10.95
5.04%17.56%109.62%
75
Outperform
2.65B8.91
8.29%25.90%68.30%
71
Outperform
7.80B10.37
0.77%-16.50%29.61%
69
Neutral
$14.23B11.5512.96%14.08%-10.79%67.20%
68
Neutral
9.26B8.50
1.08%
64
Neutral
$12.93B9.707.85%78.03%12.07%-7.83%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IL:CLIS
Clal Insurance
11,640.00
6,236.84
115.43%
IL:HARL
Harel
6,900.00
4,032.93
140.66%
IL:MGDL
Migdal Insur.
739.70
328.44
79.86%
IL:MMHD
Menora Miv Hld
19,080.00
10,678.03
127.09%
IL:IDIN
Idi Insur
17,980.00
8,782.02
95.48%
IL:PHOE
Phoenix
7,618.00
4,364.70
134.16%

Clal Insurance Corporate Events

Clal Insurance Seeks Withdrawal from Class Action Lawsuit
Feb 12, 2025

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.

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.