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Jacob Finance & Investments Ltd.
(TASE:JCFN)
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Rating:66Neutral
Price Target:
3,281.00
▼(-2.44% Downside)
Action:Reiterated
Date:08/10/26
The score is primarily driven by strong profitability and revenue expansion, plus an improving TTM cash-flow profile, but is held back by elevated leverage on the balance sheet. Technicals are moderately positive (price above shorter-term moving averages with positive MACD), and valuation is supportive due to a low P/E, while the dividend yield is only modest.
Positive Factors
High profitability & margins
Sustained high net and operating margins indicate durable earnings power and pricing or underwriting advantage in credit services. Strong margin structure supports internal reinvestment and shareholder returns, and provides a buffer versus cyclical revenue swings over the next several months.
Negative Factors
Elevated leverage
A debt-heavy capital structure amplifies sensitivity to rising funding costs and credit losses; with a modest equity base, balance-sheet leverage limits strategic flexibility and increases refinancing and covenant risk, creating a lasting constraint on stability over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
High profitability & margins
Sustained high net and operating margins indicate durable earnings power and pricing or underwriting advantage in credit services. Strong margin structure supports internal reinvestment and shareholder returns, and provides a buffer versus cyclical revenue swings over the next several months.
Read all positive factors
Jacob Finance & Investments Ltd. (JCFN) vs. iShares MSCI Israel ETF (EIS)
Market Cap
₪746.87M
Dividend YieldN/A
Average Volume (3M)24.34K
Price to Earnings (P/E)8.9
Beta (1Y)0.69
Revenue Growth20.00%
EPS Growth14.06%
CountryIL
Employees12
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)3.55
Shares Outstanding24,584,196
10 Day Avg. Volume33,144
30 Day Avg. Volume24,337
Financial Highlights & Ratios
PEG Ratio0.55
Price to Book (P/B)1.82
Price to Sales (P/S)3.63
P/FCF Ratio10.16
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)N/A
Revenue Forecast (FY)N/A
Jacob Finance & Investments Ltd. Business Overview & Revenue Model
Company Description
Jacob Finance and Investments Ltd, founded in 2009, offers financial lending solutions distinct from conventional banking and is headquartered in Tel Aviv, Israel....
Jacob Finance & Investments Ltd. Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
46
Neutral
Cash Flow
57
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 245.22M | 227.52M | 173.72M | 152.06M | 109.02M | 48.62M |
| Gross Profit | 215.87M | 224.71M | 99.30M | 85.28M | 76.85M | 37.00M |
| EBITDA | 207.35M | 216.24M | 90.23M | 74.18M | 61.81M | 31.65M |
| Net Income | 87.37M | 82.46M | 69.53M | 56.81M | 47.49M | 24.33M |
Balance Sheet | ||||||
| Total Assets | 3.40B | 3.03B | 2.27B | 1.48B | 1.55B | 1.40B |
| Cash, Cash Equivalents and Short-Term Investments | 50.16M | 627.00K | 10.64M | 39.00K | 16.17M | 775.00K |
| Total Debt | 2.90B | 2.57B | 1.83B | 1.14B | 1.29B | 1.34B |
| Total Liabilities | 2.91B | 2.58B | 1.89B | 1.18B | 1.30B | 1.37B |
| Stockholders Equity | 489.72M | 454.29M | 371.76M | 301.83M | 244.80M | 32.51M |
Cash Flow | ||||||
| Free Cash Flow | 52.61M | 81.28M | 10.60M | -16.35M | -149.38M | -18.31M |
| Operating Cash Flow | 52.63M | 81.34M | 10.61M | -16.34M | -149.38M | -18.23M |
| Investing Cash Flow | -842.27M | -839.18M | -10.00K | -11.00K | 8.00K | -80.00K |
| Financing Cash Flow | 838.90M | 747.83M | 0.00 | 216.00K | 164.78M | 6.50M |
Jacob Finance & Investments Ltd. Technical Analysis
Positive
3363.00
Price Trends
2899.12
Positive
2998.73
Positive
3150.45
Negative
Market Momentum
23.84
Negative
62.21
Neutral
55.80
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IL:JCFN, the sentiment is Positive. The current price of 3363 is above the 20-day moving average (MA) of 2938.55, above the 50-day MA of 2899.12, and above the 200-day MA of 3150.45, indicating a neutral trend. The MACD of 23.84 indicates Negative momentum. The RSI at 62.21 is Neutral, neither overbought nor oversold. The STOCH value of 55.80 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IL:JCFN.
Jacob Finance & Investments Ltd. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
69 Neutral | ₪1.49B | 6.22 | ― | 5.85% | 34.45% | 44.28% | |
66 Neutral | ₪746.87M | 8.86 | ― | ― | 20.00% | 14.06% | |
62 Neutral | ₪1.89B | 11.87 | ― | 6.62% | -5.73% | 29.37% | |
62 Neutral | ₪731.98M | 12.32 | ― | 1.80% | 15.12% | 1.10% | |
58 Neutral | ₪1.36B | 6.92 | ― | 6.93% | 20.21% | 21.17% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IL:JCFN
Jacob Finance & Investments Ltd.
2,947.00
-765.18
-20.61%
IL:NAWI
Nawi
4,450.00
-1,237.07
-21.75%
IL:MNIF
Menif
2,052.00
68.39
3.45%
IL:DIFI
Direct Finance
62,830.00
17,295.96
37.98%
IL:MCLL
Michlol Fin
1,440.00
-128.00
-8.16%
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.