Jacob Finance & Investments Ltd. (IL:JCFN)
TASE:JCFN
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Jacob Finance & Investments Ltd.
(TASE:JCFN)
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Rating:64Neutral
Price Target:
3,474.00
▲(3.30% Upside)
Action:ReiteratedDate:03/24/26
The score is driven primarily by strong operating performance and growth (income statement) but is held back by elevated leverage and historically volatile cash generation. Technicals are weak due to a clear downtrend despite oversold signals, while valuation is supportive with a low P/E.
Positive Factors
Revenue Growth & Profitability
JCFN's multi-year revenue ramp and sustained profitability since 2021 indicate durable client acquisition and pricing power. A steady top line with positive earnings supports recurring fee scaling, reinvestment capacity, and underpins medium-term growth and resilience.
Negative Factors
Elevated Leverage
High debt relative to equity limits financial flexibility and increases vulnerability to interest rate or credit-market stress. Elevated leverage constrains capacity for strategic investments, raises refinancing risk, and magnifies earnings volatility during downturns.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth & Profitability
JCFN's multi-year revenue ramp and sustained profitability since 2021 indicate durable client acquisition and pricing power. A steady top line with positive earnings supports recurring fee scaling, reinvestment capacity, and underpins medium-term growth and resilience.
Read all positive factors
Jacob Finance & Investments Ltd. (JCFN) vs. iShares MSCI Israel ETF (EIS)
Market Cap
₪770.47M
Dividend YieldN/A
Average Volume (3M)24.34K
Price to Earnings (P/E)10.0
Beta (1Y)0.71
Revenue Growth30.97%
EPS Growth18.60%
CountryIL
Employees11
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)3.35
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....
Jacob Finance & Investments Ltd. Financial Statement Overview
Summary
Income Statement
82
Very Positive
Balance Sheet
58
Neutral
Cash Flow
49
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 227.52M | 173.72M | 152.06M | 109.02M | 48.62M |
| Gross Profit | 224.71M | 99.30M | 85.28M | 76.85M | 37.00M |
| EBITDA | 216.24M | 90.23M | 74.18M | 61.81M | 31.65M |
| Net Income | 82.46M | 69.53M | 56.81M | 47.49M | 24.33M |
Balance Sheet | |||||
| Total Assets | 3.03B | 2.27B | 1.48B | 1.55B | 1.40B |
| Cash, Cash Equivalents and Short-Term Investments | 627.00K | 10.64M | 39.00K | 16.17M | 775.00K |
| Total Debt | 2.57B | 1.83B | 1.14B | 1.29B | 1.34B |
| Total Liabilities | 2.58B | 1.89B | 1.18B | 1.30B | 1.37B |
| Stockholders Equity | 454.29M | 371.76M | 301.83M | 244.80M | 32.51M |
Cash Flow | |||||
| Free Cash Flow | 81.28M | 10.60M | -16.35M | -149.38M | -18.31M |
| Operating Cash Flow | 81.34M | 10.61M | -16.34M | -149.38M | -18.23M |
| Investing Cash Flow | -839.18M | -10.00K | -11.00K | 8.00K | -80.00K |
| Financing Cash Flow | 747.83M | 0.00 | 216.00K | 164.78M | 6.50M |
Jacob Finance & Investments Ltd. Technical Analysis
Negative
3363.00
Price Trends
3352.86
Negative
3315.67
Negative
3372.34
Negative
Market Momentum
-123.72
Negative
35.31
Neutral
48.90
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 3363 is above the 20-day moving average (MA) of 3082.10, above the 50-day MA of 3352.86, and below the 200-day MA of 3372.34, indicating a bearish trend. The MACD of -123.72 indicates Negative momentum. The RSI at 35.31 is Neutral, neither overbought nor oversold. The STOCH value of 48.90 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ₪1.84B | 6.95 | ― | 4.19% | 25.88% | 22.09% | |
64 Neutral | ₪770.47M | 10.00 | ― | ― | 30.97% | 18.60% | |
62 Neutral | ₪799.20M | 11.91 | ― | 5.35% | 23.07% | 38.26% | |
55 Neutral | ₪1.81B | 9.68 | ― | 6.49% | 38.17% | 50.19% | |
55 Neutral | ₪730.04M | 13.32 | ― | 1.53% | 5.95% | -3.63% | |
52 Neutral | ₪1.67B | 15.19 | ― | 5.03% | -4.07% | -14.92% |
* Financial Sector Average
IL:JCFN
Jacob Finance & Investments Ltd.
3,364.00
508.00
17.79%
IL:NAWI
Nawi
5,561.00
474.44
9.33%
IL:PEN
Peninsula Group
363.50
136.21
59.93%
IL:MNIF
Menif
3,162.00
1,101.34
53.45%
IL:DIFI
Direct Finance
59,300.00
5,167.42
9.55%
IL:MCLL
Michlol Fin
1,529.00
430.00
39.13%
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.