Jacob Finance & Investments Ltd. (IL:JCFN)
TASE:JCFN
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Jacob Finance & Investments Ltd.
(TASE:JCFN)
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Rating:57Neutral
Price Target:
3,195.00
▼(-5.00% Downside)
Action:Reiterated
Date:05/21/26
The score is mainly constrained by balance-sheet leverage and volatile cash flow despite strong reported profitability. Technicals are also weak with the stock trading below major moving averages. Valuation is a partial offset with a low P/E (~10).
Positive Factors
High profitability
Sustained very high operating and net margins provide durable internal cash generation and operating leverage. Over 2-6 months this profitably strong base helps fund operations, absorb shocks and invest selectively, supporting competitive positioning despite cyclical pressures.
Negative Factors
High leverage
A debt-to-equity ratio near 5.7x materially limits financial flexibility and raises refinancing and interest-rate risk. Elevated leverage magnifies downside in tougher credit environments and constrains capital allocation decisions, a persistent structural vulnerability over coming months.
Read all positive and negative factors
Positive Factors
Negative Factors
High profitability
Sustained very high operating and net margins provide durable internal cash generation and operating leverage. Over 2-6 months this profitably strong base helps fund operations, absorb shocks and invest selectively, supporting competitive positioning despite cyclical pressures.
Read all positive factors
Jacob Finance & Investments Ltd. (JCFN) vs. iShares MSCI Israel ETF (EIS)
Market Cap
₪741.46M
Dividend YieldN/A
Average Volume (3M)24.34K
Price to Earnings (P/E)8.9
Beta (1Y)0.66
Revenue Growth28.26%
EPS Growth15.92%
CountryIL
Employees11
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)N/A
Shares Outstanding24,584,196
10 Day Avg. Volume33,144
30 Day Avg. Volume24,337
Financial Highlights & Ratios
PEG Ratio0.54
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 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 a variety of financial service offerings. Primarily, the company earns through management fees charged on client portfolios and commission-based income from brokerage and investment advisory services. Additionally, J...
Jacob Finance & Investments Ltd. Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
46
Neutral
Cash Flow
41
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 238.32M | 227.52M | 173.72M | 152.06M | 109.02M | 48.62M |
| Gross Profit | 182.27M | 224.71M | 99.30M | 85.28M | 76.85M | 37.00M |
| EBITDA | 172.47M | 216.24M | 90.23M | 74.18M | 61.81M | 31.65M |
| Net Income | 84.46M | 82.46M | 69.53M | 56.81M | 47.49M | 24.33M |
Balance Sheet | ||||||
| Total Assets | 2.97B | 3.03B | 2.27B | 1.48B | 1.55B | 1.40B |
| Cash, Cash Equivalents and Short-Term Investments | 855.00K | 627.00K | 10.64M | 39.00K | 16.17M | 775.00K |
| Total Debt | 2.49B | 2.57B | 1.83B | 1.14B | 1.29B | 1.34B |
| Total Liabilities | 2.50B | 2.58B | 1.89B | 1.18B | 1.30B | 1.37B |
| Stockholders Equity | 476.67M | 454.29M | 371.76M | 301.83M | 244.80M | 32.51M |
Cash Flow | ||||||
| Free Cash Flow | 29.40M | 81.28M | 10.60M | -16.35M | -149.38M | -18.31M |
| Operating Cash Flow | 29.45M | 81.34M | 10.61M | -16.34M | -149.38M | -18.23M |
| Investing Cash Flow | -465.11M | -839.18M | -10.00K | -11.00K | 8.00K | -80.00K |
| Financing Cash Flow | 668.75M | 747.83M | 0.00 | 216.00K | 164.78M | 6.50M |
Jacob Finance & Investments Ltd. Technical Analysis
Negative
3363.00
Price Trends
3071.95
Negative
3267.50
Negative
3272.89
Negative
Market Momentum
-16.88
Positive
38.49
Neutral
12.45
Positive
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 3363 is above the 20-day moving average (MA) of 3151.11, above the 50-day MA of 3071.95, and above the 200-day MA of 3272.89, indicating a bearish trend. The MACD of -16.88 indicates Positive momentum. The RSI at 38.49 is Neutral, neither overbought nor oversold. The STOCH value of 12.45 is Positive, 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
69 Neutral | ₪1.70B | 7.14 | ― | 6.49% | 38.17% | 50.19% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ₪1.52B | 8.12 | ― | 4.19% | 25.88% | 22.09% | |
62 Neutral | ₪1.81B | 12.14 | ― | 5.03% | -5.73% | 29.37% | |
62 Neutral | ₪769.09M | 10.68 | ― | 5.35% | 23.07% | 38.26% | |
57 Neutral | ₪741.46M | 8.87 | ― | ― | 28.26% | 15.92% | |
55 Neutral | ₪645.86M | 12.46 | ― | 1.53% | 5.95% | -3.63% |
* Financial Sector Average
IL:JCFN
Jacob Finance & Investments Ltd.
2,976.00
-215.58
-6.75%
IL:NAWI
Nawi
5,203.00
-852.94
-14.08%
IL:PEN
Peninsula Group
338.70
91.26
36.88%
IL:MNIF
Menif
2,403.00
418.45
21.09%
IL:DIFI
Direct Finance
60,170.00
11,182.10
22.83%
IL:MCLL
Michlol Fin
1,300.00
90.00
7.44%
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.