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I.D.I. Insurance Company Ltd. (IL:IDIN)
:IDIN
Israel Market
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Idi Insur (IDIN) AI Stock Analysis

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IL:IDIN

Idi Insur

(IDIN)

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Neutral 63 (OpenAI - 4o)
Rating:63Neutral
Price Target:
20,768.00
▲(7.44% Upside)
Idi Insur's strong financial performance and attractive valuation are offset by bearish technical indicators. The stock's low P/E ratio and high dividend yield are significant positives, but current market momentum suggests caution.

Idi Insur (IDIN) vs. iShares MSCI Israel ETF (EIS)

Idi Insur Business Overview & Revenue Model

Company DescriptionIdi Insur (IDIN) is a leading provider in the insurance sector, offering a comprehensive range of insurance products including life, health, auto, and property insurance. The company operates across multiple regions, focusing on both individual and corporate clients. IDIN is committed to delivering innovative insurance solutions tailored to meet the needs of its diverse customer base, supported by a robust digital platform that enhances customer experience and accessibility.
How the Company Makes MoneyIdi Insur generates revenue primarily through the collection of insurance premiums from policyholders. These premiums are paid periodically and constitute the core income stream for the company. In addition to premiums, IDIN earns investment income by investing the premiums collected in a diversified portfolio of assets, including stocks, bonds, and real estate. The company also benefits from strategic partnerships with financial institutions and brokers, which help in expanding their market reach and boosting sales. Furthermore, IDIN may receive additional income from reinsurance arrangements, where it manages risk by sharing some of its liabilities with other insurance companies.

Idi Insur Financial Statement Overview

Summary
Idi Insur shows strong financial health with steady revenue growth and profitability. The balance sheet is balanced, though leverage needs monitoring. Cash flow management has areas for improvement, but operational cash generation remains solid.
Income Statement
72
Positive
Idi Insur has demonstrated a solid revenue growth trajectory with significant improvement in net income over the years, indicating strong operational performance. The gross profit margin is robust, reflecting effective cost management. However, the EBIT margin saw fluctuations due to varying operational efficiencies in different years.
Balance Sheet
68
Positive
The company's equity ratio indicates a well-balanced use of equity to finance assets, although the debt-to-equity ratio suggests a moderate level of leverage that could be a risk if not managed properly. The return on equity is healthy, showing good returns generated on shareholders' investments.
Cash Flow
65
Positive
Cash flow performance is mixed, with fluctuations in free cash flow growth. While operating cash flow to net income ratio shows positive cash generation from operations, the free cash flow to net income ratio indicates some constraints in converting earnings into free cash flow due to capital expenditures.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue3.67B3.52B2.73B2.20B2.16B2.12B
Gross Profit3.26B3.06B2.73B2.20B2.16B2.12B
EBITDA602.45M497.95M287.43M185.27M365.80M375.97M
Net Income319.62M257.08M139.21M84.44M201.20M207.32M
Balance Sheet
Total Assets6.38B7.13B6.44B6.20B6.30B6.07B
Cash, Cash Equivalents and Short-Term Investments270.26M98.45M257.87M253.20M705.96M360.00M
Total Debt0.00583.86M541.92M69.88M73.24M578.78M
Total Liabilities5.18B6.14B5.52B5.35B5.44B5.26B
Stockholders Equity1.19B988.82M926.00M855.52M862.16M814.09M
Cash Flow
Free Cash Flow73.40M48.20M95.93M-211.78M372.32M53.38M
Operating Cash Flow177.20M143.42M193.65M-130.23M456.43M129.50M
Investing Cash Flow-100.47M-91.94M-97.65M-79.02M-98.57M-73.86M
Financing Cash Flow-45.23M-211.99M-93.05M-244.47M-11.54M-73.28M

Idi Insur Technical Analysis

Technical Analysis Sentiment
Negative
Last Price19330.00
Price Trends
50DMA
20471.94
Negative
100DMA
19578.29
Negative
200DMA
17074.96
Positive
Market Momentum
MACD
-88.58
Positive
RSI
35.51
Neutral
STOCH
8.72
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IL:IDIN, the sentiment is Negative. The current price of 19330 is below the 20-day moving average (MA) of 22303.49, below the 50-day MA of 20471.94, and above the 200-day MA of 17074.96, indicating a neutral trend. The MACD of -88.58 indicates Positive momentum. The RSI at 35.51 is Neutral, neither overbought nor oversold. The STOCH value of 8.72 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IL:IDIN.

Idi Insur Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
75
Outperform
17.88B10.6914.97%4.00%28.29%74.13%
73
Outperform
12.20B8.5814.86%2.48%
71
Outperform
20.27B10.5317.32%3.20%16.52%108.70%
69
Neutral
10.94B12.459.76%0.50%24.69%-28.38%
68
Neutral
1.66B9.9514.87%6.89%22.57%73.32%
63
Neutral
2.86B8.907.83%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:IDIN
Idi Insur
19,330.00
8,053.61
71.42%
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:MMHD
Menora Miv Hld
28,670.00
18,458.06
180.75%
IL:AYAL
Ayalon Hold.
6,110.00
4,305.61
238.62%

Idi Insur Corporate Events

Idi Insur Faces Class Action Over Alleged Geographical Discrimination
Feb 13, 2025

Idi Insur is facing a class action lawsuit filed in the Be’er Sheva District Court over allegations of discriminatory practices based on geographical location. The lawsuit accuses the company of imposing additional security requirements and higher premiums on insurance candidates from certain areas without statistical justification. The claimant seeks financial compensation, an injunction against the alleged practices, and a declaration that such discrimination is invalid.

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 22, 2025