Idi Insur (IDIN) AI Stock Analysis

• Market Cap: 3.95B
• Dividend Yield: 5.95%
• Average Volume (3M): 41.54K
• Price to Earnings (P/E): 11.5
• Beta (1Y): 1.43
• Revenue Growth: 19.48%
• EPS Growth: 53.61%
• Country: IL
• Employees: 1,693
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Diversified
• EPS (TTM): 561.90
• Shares Outstanding: 14,773,255
• 10 Day Avg. Volume: 35,082
• 30 Day Avg. Volume: 41,536
• PEG Ratio: 0.09
• Price to Book (P/B): 1.91
• Price to Sales (P/S): 0.54
• P/FCF Ratio: 39.25
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 69 Neutral
• Price Target: 27,036.00 ▲(1.07% Upside)

Idi Insur's strong financial performance and attractive valuation are the primary drivers of its score. While the technical analysis indicates bullish momentum, overbought conditions suggest caution. The absence of earnings call and corporate events data limits further insights.

Positive Factors

Revenue Growth

Steady revenue growth indicates strong market demand and effective business strategies, supporting long-term financial stability and expansion.

Partnerships

Strategic partnerships enhance market reach and product offerings, fostering sustainable growth and competitive advantage in the insurance sector.

Profitability

Strong profitability through effective cost management ensures financial resilience and the ability to reinvest in growth initiatives.

Negative Factors

Leverage

Moderate leverage poses a risk to financial stability, potentially impacting the company's ability to invest in growth or weather economic downturns.

Cash Flow Constraints

Constraints in free cash flow conversion limit financial flexibility, affecting the company's ability to fund operations and strategic initiatives.

EBIT Margin Fluctuations

Fluctuating EBIT margins suggest inconsistent operational efficiency, which could impact long-term profitability and competitive positioning.

Idi Insur Business Overview & Revenue Model

Company Description

I.D.I. Insurance Company Ltd. provides insurance products and services to individuals and corporate customers in Israel. It offers life, health, personal accidents, business, car, home, travel, mortgage, and motorcycle insurance, as well as professional liability insurance for lawyers; and direct financing and savings plans. The company was founded in 2006 and is headquartered in Petah Tikva, Israel.

How the Company Makes Money

IDIN generates revenue through multiple streams, primarily by collecting premiums from policyholders in exchange for insurance coverage. The company employs a subscription-based model for certain products, allowing customers to pay monthly or annually for their insurance plans. Additionally, IDIN capitalizes on data-driven insights to optimize underwriting processes, reducing risk and claims costs, which further enhances profitability. Significant partnerships with healthcare providers, automotive companies, and real estate firms help IDIN expand its customer base and create bundled insurance offerings, driving additional revenue. Furthermore, the company may earn income through investment returns on the premiums collected before claims are paid out, contributing to its overall financial stability.

Idi Insur Financial Statement Overview

Summary

Idi Insur demonstrates strong financial health with solid revenue growth and profitability. The balance sheet is well-balanced, though leverage needs monitoring. Cash flow management shows room for improvement, but operational cash generation is solid.

Income Statement

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

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

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.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	3.62B	3.52B	2.73B	2.20B	2.16B	2.12B
Gross Profit	3.17B	3.02B	2.29B	1.80B	1.77B	1.72B
EBITDA	651.21M	497.95M	307.21M	211.56M	391.05M	401.36M
Net Income	342.77M	257.08M	139.21M	84.44M	201.20M	207.32M
Balance Sheet
Total Assets	6.93B	7.13B	6.44B	6.20B	6.30B	6.07B
Cash, Cash Equivalents and Short-Term Investments	386.87M	98.45M	257.87M	253.20M	705.96M	360.00M
Total Debt	1.11B	583.86M	541.92M	69.88M	73.24M	578.78M
Total Liabilities	5.71B	6.14B	5.52B	5.35B	5.44B	5.26B
Stockholders Equity	1.22B	988.82M	926.00M	855.52M	862.16M	814.09M
Cash Flow
Free Cash Flow	-49.91M	48.20M	95.93M	-211.78M	372.32M	53.38M
Operating Cash Flow	36.00M	143.42M	193.65M	-130.23M	456.43M	129.50M
Investing Cash Flow	-103.24M	-91.94M	-97.65M	-79.02M	-98.57M	-73.86M
Financing Cash Flow	287.82M	-211.99M	-93.05M	-244.47M	-11.54M	-73.28M

Idi Insur Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 26750.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IL:IDIN, the sentiment is Positive. The current price of 26750 is above the 20-day moving average (MA) of 24309.92, above the 50-day MA of 21850.01, and above the 200-day MA of 19093.11, indicating a bullish trend. The MACD of 1240.76 indicates Negative momentum. The RSI at 75.83 is Negative, neither overbought nor oversold. The STOCH value of 90.48 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IL:IDIN.

Idi Insur Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MMHD	79 Outperform	27.01B	13.16	―	2.65%	23.28%	124.99%
HARL	76 Outperform	29.39B	12.24	23.23%	2.21%	5.84%	138.80%
AYAL	75 Outperform	2.70B	16.13	―	6.10%	22.57%	73.32%
MGDL	70 Outperform	17.84B	12.80	―	0.31%	6.00%	36.33%
IDIN	69 Neutral	3.95B	11.49	―	5.95%	19.48%	53.61%
CLIS	69 Neutral	18.31B	9.72	―	1.65%	-27.87%	229.49%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%