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Clal Insurance Enterprises Holdings Limited (IL:CLIS)
:CLIS
Israel Market
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Clal Insurance (CLIS) AI Stock Analysis

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IL:CLIS

Clal Insurance

(CLIS)

Rating:73Outperform
Price Target:
17,873.00
▲(3.25% Upside)
Clal Insurance's strong financial performance, characterized by robust revenue growth and profitability, is the primary driver of its stock score. The valuation suggests potential undervaluation, while technical indicators point to neutral momentum. High leverage remains a concern, necessitating careful management.

Clal Insurance (CLIS) vs. iShares MSCI Israel ETF (EIS)

Clal Insurance Business Overview & Revenue Model

Company DescriptionClal Insurance (CLIS) is one of Israel's leading insurance and financial services companies. It operates in various sectors, including life insurance, health insurance, general insurance, and pension fund management. The company offers a wide range of products and services designed to meet the diverse needs of its clients, ranging from individual customers to large organizations. With a strong emphasis on customer service and innovation, Clal Insurance is committed to providing comprehensive coverage and financial solutions to its clients.
How the Company Makes MoneyClal Insurance makes money primarily through the premiums collected from its insurance policyholders across its various offerings, including life, health, and general insurance products. Additionally, the company earns revenue from managing pension funds and investment activities, where it invests the premiums collected to generate returns. Clal Insurance also benefits from strategic partnerships and collaborations that enhance its product offerings and market reach. The company leverages its strong brand and extensive distribution network to maintain a significant market share and drive growth in its key revenue streams.

Clal Insurance Financial Statement Overview

Summary
Clal Insurance shows substantial revenue growth and strong gross margins. However, inconsistencies in EBIT margin, net profit margin, and cash flow management, along with fluctuations in stockholders' equity, indicate financial volatility.
Income Statement
70
Positive
Clal Insurance has shown substantial revenue growth over the years, with a notable rise from 2022 to TTM (Trailing-Twelve-Months). The company's gross profit margin remains strong. However, there is volatility in EBIT margin and net profit margin, indicating inconsistent operational efficiency and profitability. The declining revenue from 2024 to TTM is a concern, but the overall trend is positive.
Balance Sheet
65
Positive
The balance sheet reflects a low debt-to-equity ratio, indicating prudent financial leverage. However, stockholders' equity has experienced fluctuations, impacting the stability of the equity ratio. The company maintains a solid equity base relative to its total assets, but the moderate fluctuations in equity levels suggest room for improvement in financial stability.
Cash Flow
60
Neutral
Free Cash Flow has been inconsistent, with significant negative values in some years. The operating cash flow to net income ratio indicates operational challenges, though recent improvements are noted. The cash flow from operations in TTM is positive, suggesting better cash management, but past fluctuations highlight potential risks.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue27.69B26.83B21.45B7.31B25.06B14.71B
Gross Profit27.98B26.34B21.45B7.31B25.06B14.64B
EBITDA3.38B2.33B1.46B729.00M2.14B949.29M
Net Income1.41B718.00M220.00M121.00M1.08B438.68M
Balance Sheet
Total Assets178.97B170.10B163.62B144.62B145.51B124.48B
Cash, Cash Equivalents and Short-Term Investments7.06B20.15B8.64B13.90B26.53B17.72B
Total Debt15.72B775.00M777.00M5.13B4.86B4.64B
Total Liabilities169.40B160.57B154.97B136.56B137.73B118.13B
Stockholders Equity9.49B9.45B8.58B8.00B7.72B6.30B
Cash Flow
Free Cash Flow1.35B1.18B-4.64B-2.80B6.87B-1.47B
Operating Cash Flow1.76B1.60B-4.31B-2.59B7.09B-1.25B
Investing Cash Flow-2.32B-1.08B-2.24B-365.96M-162.00M-379.62M
Financing Cash Flow430.00M-323.00M1.44B785.33M16.00M-194.31M

Clal Insurance Technical Analysis

Technical Analysis Sentiment
Positive
Last Price17310.00
Price Trends
50DMA
16323.60
Positive
100DMA
13489.89
Positive
200DMA
11242.93
Positive
Market Momentum
MACD
295.49
Positive
RSI
57.44
Neutral
STOCH
33.46
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 17310 is above the 20-day moving average (MA) of 16452.00, above the 50-day MA of 16323.60, and above the 200-day MA of 11242.93, indicating a bullish trend. The MACD of 295.49 indicates Positive momentum. The RSI at 57.44 is Neutral, neither overbought nor oversold. The STOCH value of 33.46 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 (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
73
Outperform
13.86B9.75
2.18%
68
Neutral
$18.06B11.9710.24%3.74%9.75%1.30%
$7.00B3.9719.01%
77
Outperform
29.32B10.71
4.17%18.37%92.33%
73
Outperform
20.45B12.23
2.14%28.29%74.13%
69
Neutral
12.46B14.19
0.44%24.69%-28.38%
65
Neutral
3.40B10.59
6.58%24.23%48.82%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IL:CLIS
Clal Insurance
17,310.00
11,692.27
208.13%
HAHRF
Harel
9.45
0.00
0.00%
IL:MGDL
Migdal Insur.
1,178.00
715.21
154.54%
IL:PHOE
Phoenix
11,480.00
7,856.31
216.80%
IL:MMHD
Menora Miv Hld
32,780.00
22,684.93
224.71%
IL:IDIN
Idi Insur
23,000.00
11,897.80
107.17%

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.Date of analysis: Sep 03, 2025