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

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IL:CLIS

Clal Insurance

(CLIS)

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Outperform 73 (OpenAI - 4o)
Rating:73Outperform
Price Target:
17,873.00
▲(17.28% 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 strong revenue growth and profitability, with effective cost management and operational efficiency. However, high leverage on the balance sheet poses potential risks, and further cash flow optimization is needed.
Income Statement
85
Very Positive
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
70
Positive
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
78
Positive
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.
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 Flow1.35B1.32B-4.64B-2.80B6.87B-1.47B
Operating Cash Flow1.76B1.38B-4.31B-2.59B7.09B-1.25B
Investing Cash Flow-2.32B-1.08B-2.24B-365.96M-162.00M-379.62M
Financing Cash Flow443.00M-79.00M1.44B785.33M16.00M-194.31M

Clal Insurance Technical Analysis

Technical Analysis Sentiment
Neutral
Last Price15240.00
Price Trends
50DMA
16432.00
Negative
100DMA
14245.06
Positive
200DMA
11734.03
Positive
Market Momentum
MACD
-276.31
Positive
RSI
38.72
Neutral
STOCH
8.13
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IL:CLIS, the sentiment is Neutral. The current price of 15240 is below the 20-day moving average (MA) of 16633.50, below the 50-day MA of 16432.00, and above the 200-day MA of 11734.03, indicating a neutral trend. The MACD of -276.31 indicates Positive momentum. The RSI at 38.72 is Neutral, neither overbought nor oversold. The STOCH value of 8.13 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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
77
Outperform
27.31B10.0215.26%4.43%18.37%92.33%
75
Outperform
17.88B10.6914.97%4.00%28.29%74.13%
73
Outperform
12.20B8.582.48%
71
Outperform
20.27B10.5317.32%3.20%16.52%108.70%
69
Neutral
10.94B12.459.76%0.50%24.69%-28.38%
63
Neutral
2.86B8.9026.00%7.83%24.23%48.82%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IL:CLIS
Clal Insurance
15,240.00
9,119.10
148.98%
HAHRF
Harel
9.45
0.00
0.00%
IL:MGDL
Migdal Insur.
1,034.00
530.08
105.19%
IL:PHOE
Phoenix
10,740.00
6,834.73
175.01%
IL:MMHD
Menora Miv Hld
28,670.00
18,458.06
180.75%
IL:IDIN
Idi Insur
19,330.00
8,053.61
71.42%

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