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

• Market Cap: 843.48M
• Dividend Yield: N/A
• Average Volume (3M): 24.34K
• Price to Earnings (P/E): 10.7
• Beta (1Y): 0.90
• 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: 60 Neutral
• Price Target: 3,531.00 ▲(5.00% Upside)

The score is most constrained by financial risk: high leverage and negative/volatile cash flow offset strong reported margins and modest growth. Technicals are supportive but show overextended momentum, while valuation looks favorable on a low P/E, helping partially balance the risks.

Positive Factors

Profitability

Strong profitability with high net and EBIT margins indicates efficient operations and a robust business model, supporting long-term sustainability.

Revenue Growth

Consistent revenue growth suggests expanding market reach and product adoption, which is crucial for long-term business expansion and competitiveness.

Return on Equity

Strong and steady returns on equity reflect effective management and the ability to generate profits from shareholders' investments, enhancing investor confidence.

Negative Factors

High Leverage

High leverage poses financial risk, limiting flexibility and increasing vulnerability to economic downturns, which could impact long-term stability.

Weak Cash Generation

Negative cash flow indicates potential liquidity issues, undermining the ability to fund operations and growth initiatives, crucial for long-term viability.

Margin Consistency Concerns

Declining margins and inconsistencies raise concerns about the sustainability of profitability, impacting long-term financial health and competitive positioning.

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	215.00M	173.72M	152.06M	109.02M	48.62M	803.00K
Gross Profit	112.02M	99.30M	85.28M	76.85M	37.00M	639.00K
EBITDA	102.45M	90.23M	74.18M	61.81M	31.65M	-1.07M
Net Income	78.80M	69.53M	56.81M	47.49M	24.33M	-829.00K
Balance Sheet
Total Assets	2.67B	2.27B	1.48B	1.55B	1.40B	307.06M
Cash, Cash Equivalents and Short-Term Investments	30.93M	10.64M	39.00K	16.17M	775.00K	12.58M
Total Debt	2.23B	1.83B	1.14B	1.29B	1.34B	270.04M
Total Liabilities	2.24B	1.89B	1.18B	1.30B	1.37B	306.70M
Stockholders Equity	433.65M	371.76M	301.83M	244.80M	32.51M	365.00K
Cash Flow
Free Cash Flow	-56.78M	10.60M	-16.35M	-149.38M	-18.31M	12.58M
Operating Cash Flow	-56.73M	10.61M	-16.34M	-149.38M	-18.23M	12.60M
Investing Cash Flow	-132.71M	-10.00K	-11.00K	8.00K	-80.00K	-14.00K
Financing Cash Flow	408.50M	0.00	216.00K	164.78M	6.50M	0.00

Jacob Finance & Investments Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 3363.00
• 50DMA: Positive
• 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:JCFN, the sentiment is Positive. The current price of 3363 is below the 20-day moving average (MA) of 3413.05, above the 50-day MA of 3269.60, and above the 200-day MA of 3216.59, indicating a bullish trend. The MACD of 99.41 indicates Positive momentum. The RSI at 53.53 is Neutral, neither overbought nor oversold. The STOCH value of 36.55 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PEN	75 Outperform	821.44M	11.55	―	5.35%	25.73%	45.19%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
MNIF	66 Neutral	1.63B	9.27	―	4.19%	25.72%	21.70%
MLRN	61 Neutral	457.14M	8.65	―	7.37%	―	―
JCFN	60 Neutral	843.48M	10.73	―	―	29.67%	15.36%
MCLL	58 Neutral	716.59M	13.39	―	1.53%	―	―