Idi Insur (IDIN) AI Stock Analysis

• Market Cap: ₪3.52B
• Dividend Yield: 5.98%
• Average Volume (3M): 41.54K
• Price to Earnings (P/E): 10.2
• Beta (1Y): 1.35
• 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: 14,785,910
• 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: 60 Neutral
• Price Target: 25,410.00 ▲(1.03% Upside)

The score is primarily constrained by deteriorating cash flow (negative free cash flow and sharply lower operating cash flow) and increased leverage, despite improved margins and strong TTM revenue growth. Valuation is a clear positive (low P/E and high dividend yield), while technicals are mixed with near-term softness but longer-term trend support.

Positive Factors

Revenue Growth Surge

A near 300% TTM revenue surge signals clear product-market fit and rapid scale across insurance lines. Sustained top-line expansion can deepen data assets, improve risk models and distribution economics, enabling durable competitive advantages if growth execution holds.

Improving Profitability

Material margin expansion reflects better underwriting outcomes, pricing discipline and operating leverage from scale. Higher sustainable margins bolster internal reinvestment, buffer claim volatility and increase the company's ability to fund product development and customer retention over the medium term.

High Return on Equity

A ~30% ROE indicates efficient capital deployment and strong profitability relative to equity, supporting dividends and reinvestment. Persistently high ROE can attract partners and capital, underpinning expansion of underwriting capacity and long-term shareholder returns if risk controls remain robust.

Negative Factors

Weak Cash Generation

Sharp deterioration in cash conversion and negative free cash flow reduce financial flexibility. Over months this limits ability to self-fund growth, increases dependence on external financing, and can constrain reserve funding or product investment if cash performance does not recover.

Rising Leverage

Faster debt buildup weakens the balance sheet and raises interest and refinancing risk. In an insurance business this reduces buffer for adverse claim cycles, restricts strategic flexibility and increases sensitivity to underwriting or macro shocks, persisting until leverage is repaired.

Sustainability of Growth

A very rapid revenue jump can strain underwriting, claims management, and distribution quality. Execution risk may lead to higher loss ratios or increased acquisition costs over time; maintaining control of unit economics and operational processes is critical to preserve long-term margins.

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

Income statement strength is offset by weak cash conversion and higher leverage. Profitability improved (TTM net margin ~9.5%) and revenue surged (~299% TTM), but operating cash flow fell sharply (~36M vs ~143M in 2024) and free cash flow turned negative (~-50M) despite strong net income, while debt-to-equity rose to ~0.91.

Income Statement

Profitability improved meaningfully into TTM (Trailing-Twelve-Months): net profit margin rose to ~9.5% (vs ~7.3% in 2024 and ~5.1% in 2023) and operating profitability also expanded. Revenue growth accelerated sharply in TTM (~299%) after modest growth in 2024 (~29%) and 2023 (~24%), signaling a step-change in scale. Offsetting this, results were less consistent earlier in the period (including a revenue decline in 2020), and the magnitude of the TTM revenue surge raises some sustainability/execution risk.

Balance Sheet

Leverage increased notably: debt-to-equity rose to ~0.91 in TTM (Trailing-Twelve-Months) from ~0.59 in 2024 and ~0.58 in 2023, reducing balance-sheet flexibility. On the positive side, shareholder returns are strong (TTM return on equity ~30%, up from ~26% in 2024 and ~15% in 2023), and total assets remain sizable. The key watch item is the faster debt build versus equity growth.

Cash Flow

Cash generation weakened materially in TTM (Trailing-Twelve-Months): operating cash flow dropped to ~36M (from ~143M in 2024 and ~194M in 2023) and free cash flow turned negative (~-50M) after being positive in prior years. Cash conversion is a concern as free cash flow ran below net income in TTM (negative free cash flow relative to ~343M net income). While prior periods show the business can produce solid cash (e.g., 2021–2023), the latest trend points to higher working-capital/investment strain and greater reliance on financing.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	3.55B	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: 25150.00
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

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 25150 is above the 20-day moving average (MA) of 24187.00, above the 50-day MA of 24487.17, and above the 200-day MA of 20480.92, indicating a neutral trend. The MACD of -136.64 indicates Positive momentum. The RSI at 51.75 is Neutral, neither overbought nor oversold. The STOCH value of 51.59 is Neutral, 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
HARL	76 Outperform	₪28.38B	11.84	23.23%	2.21%	5.84%	138.80%
MMHD	71 Outperform	₪24.15B	11.76	―	2.61%	23.28%	124.99%
MGDL	70 Outperform	₪17.19B	12.34	―	0.30%	6.00%	36.33%
AYAL	70 Outperform	₪2.51B	15.03	―	6.25%	22.57%	73.32%
CLIS	69 Neutral	₪17.63B	9.36	―	1.67%	-27.87%	229.49%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
IDIN	60 Neutral	₪3.52B	10.22	―	5.98%	19.48%	53.61%