Jacob Finance & Investments Ltd. (JCFN) AI Stock Analysis

• Market Cap: 791.12M
• Dividend Yield: N/A
• Average Volume (3M): 24.34K
• Price to Earnings (P/E): 9.9
• Beta (1Y): 1.11
• Revenue Growth: 29.67%
• EPS Growth: 15.36%
• Country: IL
• Employees: 11
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 82.60
• Shares Outstanding: 24,584,196
• 10 Day Avg. Volume: 33,144
• 30 Day Avg. Volume: 24,337
• PEG Ratio: 0.33
• Price to Book (P/B): 1.38
• Price to Sales (P/S): 2.95
• P/FCF Ratio: 48.36
• 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: 80 Outperform
• Price Target: ―

The stock of Jacob Finance & Investments Ltd. scores well due to its strong financial performance, characterized by significant revenue growth and improved financial stability. The technical indicators support a positive momentum, and its valuation suggests it is undervalued, making it attractive for growth investors. However, the company's high liabilities and cash flow management require attention to ensure long-term sustainability.

Positive Factors

Revenue Growth

Consistent revenue growth indicates robust demand for JCFN's financial services, enhancing its market position and supporting long-term expansion.

Financial Stability

Having zero debt strengthens JCFN's financial stability, providing more flexibility for strategic investments and reducing financial risk.

Cash Generation

Positive free cash flow indicates improved cash generation, allowing JCFN to reinvest in growth opportunities and maintain liquidity.

Negative Factors

High Liabilities

High liabilities relative to assets could strain financial resources, potentially impacting JCFN's ability to invest in growth and manage risks.

Cash Flow Constraints

A low operating cash flow to net income ratio suggests that earnings are not effectively converting to cash, which may affect liquidity and operational flexibility.

Operational Efficiency

Lack of EBIT and EBITDA data hinders a full evaluation of operational efficiency, potentially obscuring cost management and profitability insights.

Jacob Finance & Investments Ltd. Business Overview & Revenue Model

Company Description

Jacob Finance and Investments Ltd provides non-banking credit services. The company was incorporated in 2009 and is based in Tel Aviv, Israel.

How the Company Makes Money

JCFN generates revenue through management fees charged on the assets under management (AUM). These fees are typically a percentage of the total assets managed by the company. Additionally, JCFN earns income from advisory fees for financial planning and consulting services offered to clients. The company also benefits from performance fees, which are contingent on achieving specific investment benchmarks or returns. Strategic partnerships with financial institutions and investment platforms further enhance JCFN's distribution channels, contributing to its revenue growth.

Jacob Finance & Investments Ltd. Financial Statement Overview

Summary

Jacob Finance & Investments Ltd. exhibits strong revenue growth and improved profitability metrics with zero debt, enhancing financial stability. However, the company's high liabilities and cash flow constraints pose potential risks that need monitoring.

Income Statement

The company has shown a strong revenue growth rate of 16.44% from 2023 to 2024, with a significant increase in net income. The gross profit margin remains high at 100% due to the nature of the financial services industry. However, the absence of EBIT and EBITDA figures limits the complete assessment of operational efficiency.

Balance Sheet

The company's debt-to-equity ratio has significantly improved due to zero debt in 2024, enhancing financial stability. The equity ratio has also improved, indicating a stronger financial position. However, the total liabilities remain high compared to total assets, which could pose a risk if not managed properly.

Cash Flow

The free cash flow has turned positive in 2024, indicating improved cash generation capability. The operating cash flow to net income ratio is low, suggesting that a significant portion of net income is not translating into cash flow. The previous years showed negative cash flows, which could affect liquidity if such trends continue.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	204.34M	173.72M	152.06M	109.02M	48.62M	803.00K
Gross Profit	110.84M	99.30M	85.28M	76.85M	37.00M	639.00K
EBITDA	99.71M	90.23M	74.18M	61.81M	31.65M	-1.07M
Net Income	76.61M	69.53M	56.81M	47.49M	24.33M	-829.00K
Balance Sheet
Total Assets	2.57B	2.27B	1.48B	1.55B	1.40B	307.06M
Cash, Cash Equivalents and Short-Term Investments	893.00K	10.64M	39.00K	16.17M	775.00K	12.58M
Total Debt	2.05B	1.83B	1.14B	1.29B	1.34B	270.04M
Total Liabilities	2.15B	1.89B	1.18B	1.30B	1.37B	306.70M
Stockholders Equity	413.35M	371.76M	301.83M	244.80M	32.51M	365.00K
Cash Flow
Free Cash Flow	-1.20M	10.60M	-16.35M	-149.38M	-18.31M	12.58M
Operating Cash Flow	-1.15M	10.61M	-16.34M	-149.38M	-18.23M	12.60M
Investing Cash Flow	-55.00K	-10.00K	-11.00K	8.00K	-80.00K	-14.00K
Financing Cash Flow	0.00	0.00	216.00K	164.78M	6.50M	0.00

Jacob Finance & Investments Ltd. Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 3064.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IL:JCFN, the sentiment is Negative. The current price of 3064 is below the 20-day moving average (MA) of 3239.65, below the 50-day MA of 3242.44, and below the 200-day MA of 3083.18, indicating a bearish trend. The MACD of -55.74 indicates Positive momentum. The RSI at 36.76 is Neutral, neither overbought nor oversold. The STOCH value of 39.39 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IL:JCFN.

Jacob Finance & Investments Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
JCFN	80 Outperform	791.12M	9.93	―	―	29.67%	15.36%
MNIF	78 Outperform	1.26B	7.49	―	4.19%	25.72%	21.70%
PEN	72 Outperform	774.34M	10.88	―	5.21%	25.73%	45.19%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
MCLL	60 Neutral	536.73M	11.03	―	1.65%	―	―