Clal Insurance Enterprises Holdings Limited (IL:CLIS)
TASE:CLIS
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Clal Insurance
(TASE:CLIS)
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Rating:66Neutral
Price Target:
30,596.00
▲(36.04% Upside)
Action:Downgraded
Date:05/30/26
The score is driven primarily by mixed financial performance: a strong profitability rebound and healthy ROE are tempered by materially higher leverage and cash-flow volatility. Technicals are a clear positive with the price above key moving averages and supportive momentum. Valuation also helps, with a relatively low P/E and a modest dividend yield.
Positive Factors
Profitability & ROE
Sustained high operating margins and double-digit ROE indicate the core insurance and investment activities are currently generating excess returns on equity. Over 2–6 months this supports capital accumulation, reserve strengthening, and capacity to fund claims, dividends or strategic investments without relying solely on external financing.
Negative Factors
Rising Leverage
A sudden and material step-up in leverage meaningfully raises balance-sheet risk for an insurer. Higher debt increases fixed financing costs, reduces capital flexibility, and amplifies sensitivity to underwriting or investment shocks; regulatory capital buffers may tighten and access to low-cost funding could become constrained.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability & ROE
Sustained high operating margins and double-digit ROE indicate the core insurance and investment activities are currently generating excess returns on equity. Over 2–6 months this supports capital accumulation, reserve strengthening, and capacity to fund claims, dividends or strategic investments without relying solely on external financing.
Read all positive factors
Clal Insurance (CLIS) vs. iShares MSCI Israel ETF (EIS)
Market Cap
₪20.90B
Dividend Yield1.67%
Average Volume (3M)354.75K
Price to Earnings (P/E)9.0
Beta (1Y)1.82
Revenue Growth-30.11%
EPS Growth110.97%
CountryIL
Employees3,653
SectorFinancial
Sector Strength70
IndustryInsurance - Diversified
Share Statistics
EPS (TTM)28.86
Shares Outstanding80,813,810
10 Day Avg. Volume320,798
30 Day Avg. Volume354,754
Financial Highlights & Ratios
PEG Ratio0.03
Price to Book (P/B)1.52
Price to Sales (P/S)1.08
P/FCF Ratio7.52
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)27.38
Revenue Forecast (FY)₪9.22B
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 accom...
How the Company Makes Money
Clal Insurance makes money mainly through insurance underwriting income and fees from managing long-term savings and investment products. (1) Insurance premiums and underwriting results: The company collects premiums on life, health, and general i...
Clal Insurance Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
58
Neutral
Cash Flow
46
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 21.53B | 15.13B | 26.83B | 21.45B | 7.31B | 25.06B |
| Gross Profit | 21.53B | 15.13B | 25.93B | 20.43B | 6.11B | 24.00B |
| EBITDA | 4.85B | 4.77B | 2.33B | 1.46B | 729.00M | 2.14B |
| Net Income | 2.31B | 2.28B | 718.00M | 220.00M | 121.00M | 1.08B |
Balance Sheet | ||||||
| Total Assets | 187.00B | 188.36B | 170.10B | 163.62B | 144.62B | 145.51B |
| Cash, Cash Equivalents and Short-Term Investments | 7.94B | 4.06B | 20.15B | 8.64B | 13.90B | 26.53B |
| Total Debt | 18.32B | 17.31B | 775.00M | 777.00M | 5.13B | 4.86B |
| Total Liabilities | 175.99B | 177.44B | 160.57B | 154.97B | 136.56B | 137.73B |
| Stockholders Equity | 10.92B | 10.83B | 9.45B | 8.58B | 8.00B | 7.72B |
Cash Flow | ||||||
| Free Cash Flow | 691.00M | 2.18B | 1.32B | -4.64B | -2.80B | 6.87B |
| Operating Cash Flow | 953.00M | 2.24B | 1.38B | -4.31B | -2.59B | 7.09B |
| Investing Cash Flow | -2.24B | -2.35B | -1.08B | -2.24B | -365.96M | -162.00M |
| Financing Cash Flow | 2.51B | 1.47B | -79.00M | 1.44B | 785.33M | 16.00M |
Clal Insurance Technical Analysis
Neutral
22490.00
Price Trends
25617.28
Positive
24342.89
Positive
21136.73
Positive
Market Momentum
152.37
Positive
42.85
Neutral
20.48
Neutral
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 22490 is below the 20-day moving average (MA) of 27889.50, below the 50-day MA of 25617.28, and above the 200-day MA of 21136.73, indicating a neutral trend. The MACD of 152.37 indicates Positive momentum. The RSI at 42.85 is Neutral, neither overbought nor oversold. The STOCH value of 20.48 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IL:CLIS.
Clal Insurance Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | ₪30.73B | 12.52 | ― | 2.61% | 43.27% | 99.24% | |
73 Outperform | ₪4.43B | 9.77 | ― | 6.25% | ― | ― | |
72 Outperform | ₪18.94B | 10.08 | ― | 0.30% | 35.50% | 147.32% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ₪20.90B | 8.99 | ― | 1.67% | -30.11% | 110.97% | |
66 Neutral | ₪43.90B | 13.03 | ― | 4.19% | 9.67% | 79.86% | |
65 Neutral | ₪33.77B | 11.09 | 23.23% | 2.21% | 12.85% | 216.23% |
* Financial Sector Average
IL:CLIS
Clal Insurance
26,010.00
14,407.66
124.18%
IL:HARL
Harel
16,600.00
9,356.79
129.18%
IL:MGDL
Migdal Insur.
1,815.00
1,050.00
137.25%
IL:PHOE
Phoenix
17,500.00
9,648.57
122.89%
IL:MMHD
Menora Miv Hld
49,510.00
29,713.50
150.09%
IL:AYAL
Ayalon Hold.
16,200.00
10,813.29
200.74%
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.