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I.D.I. Insurance Company Ltd. (IL:IDIN)
:IDIN
Israel Market

Idi Insur (IDIN) AI Stock Analysis

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Idi Insur

(IDIN)

Rating:67Neutral
Price Target:
23,696.00
▲(21.52%Upside)
Idi Insur's overall stock score is driven by its strong financial performance and attractive valuation, offering a solid investment opportunity. The current bullish technical indicators are tempered by overbought conditions, suggesting caution in the short term. Investors should monitor leverage levels and cash flow management improvements.

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

Idi Insur Business Overview & Revenue Model

Company DescriptionI.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 MoneyIdi Insur generates revenue primarily through the collection of premiums from its insurance policyholders. These premiums are calculated based on risk assessments and are paid by customers on a regular basis, typically monthly or annually. In addition to premium income, the company invests these collected premiums in various financial instruments such as stocks, bonds, and real estate to generate additional income. Idi Insur also partners with other financial institutions and brokers to expand its distribution network and enhance its product offerings, thereby increasing its customer base and revenue potential. The company's earnings are significantly influenced by its underwriting efficiency, investment performance, and the effective management of claims expenses.

Idi Insur Financial Statement Overview

Summary
Idi Insur shows strong revenue growth and profitability, a balanced approach to financing with manageable leverage, and solid operational cash generation, despite some constraints in free cash flow.
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.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue3.52B2.73B2.20B2.16B2.12B
Gross Profit3.52B2.73B2.20B2.16B2.12B
EBITDA497.95M287.43M185.27M365.80M375.97M
Net Income257.08M139.21M84.44M201.20M207.32M
Balance Sheet
Total Assets7.13B6.44B6.20B6.30B6.07B
Cash, Cash Equivalents and Short-Term Investments98.45M257.87M253.20M705.96M360.00M
Total Debt583.86M541.92M69.88M73.24M578.78M
Total Liabilities6.14B5.52B5.35B5.44B5.26B
Stockholders Equity988.82M926.00M855.52M862.16M814.09M
Cash Flow
Free Cash Flow48.20M95.93M-211.78M372.32M53.38M
Operating Cash Flow143.42M193.65M-130.23M456.43M129.50M
Investing Cash Flow-91.94M-97.65M-79.02M-98.57M-73.86M
Financing Cash Flow-211.99M-93.05M-244.47M-11.54M-73.28M

Idi Insur Technical Analysis

Technical Analysis Sentiment
Positive
Last Price19500.00
Price Trends
50DMA
18307.72
Positive
100DMA
17029.59
Positive
200DMA
14712.64
Positive
Market Momentum
MACD
1021.61
Negative
RSI
74.28
Negative
STOCH
87.96
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 19500 is below the 20-day moving average (MA) of 19558.66, above the 50-day MA of 18307.72, and above the 200-day MA of 14712.64, indicating a bullish trend. The MACD of 1021.61 indicates Negative momentum. The RSI at 74.28 is Negative, neither overbought nor oversold. The STOCH value of 87.96 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

Overall Rating
UnderperformOutperform
Sector (67)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
77
Outperform
1.65B10.76
7.24%22.57%73.32%
72
Outperform
16.63B13.53
3.63%-2.35%80.26%
67
Neutral
$16.86B11.649.71%3.83%11.61%-9.60%
67
Neutral
3.28B11.02
6.70%25.90%68.30%
67
Neutral
10.12B13.20
0.61%-16.50%29.61%
62
Neutral
12.35B11.34
1.62%
$5.68B5.8112.96%14.08%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IL:IDIN
Idi Insur
22,250.00
13,423.20
152.07%
IL:CLIS
Clal Insurance
16,150.00
10,885.07
206.75%
HAHRF
Harel
9.45
0.00
0.00%
IL:MGDL
Migdal Insur.
996.40
570.26
133.82%
IL:MMHD
Menora Miv Hld
27,230.00
18,670.44
218.12%
IL:AYAL
Ayalon Hold.
6,639.00
5,128.60
339.55%

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: Jun 26, 2025