Michlol Fin (MCLL) AI Stock Analysis

• Market Cap: 596.22M
• Dividend Yield: 1.68%
• Average Volume (3M): 25.69K
• Price to Earnings (P/E): 11.8
• Beta (1Y): 0.61
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: IL
• Employees: 36
• Sector: Financial
• Sector Strength: 79
• Industry: Financial - Credit Services
• EPS (TTM): 32.30
• Shares Outstanding: 43,424,920
• 10 Day Avg. Volume: 40,201
• 30 Day Avg. Volume: 25,693
• PEG Ratio: 2.90
• Price to Book (P/B): 1.71
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -2.79
• 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

• Rating: 69 Neutral
• Price Target: ―

Michlol Fin shows strong financial performance with revenue growth and profitability, backed by a stable balance sheet. The technical analysis suggests neutral market momentum. However, cash flow challenges and incomplete valuation data slightly dampen the overall score.

Michlol Fin Business Overview & Revenue Model

Company Description

Michlol Fin (MCLL) is a financial technology company specializing in providing advanced digital financial solutions. The company offers a range of services including digital banking, investment management, and payment processing. Michlol Fin operates primarily in the sectors of fintech and financial services, catering to both individual consumers and businesses seeking streamlined, technology-driven financial solutions.

How the Company Makes Money

Michlol Fin makes money through a diversified revenue model that includes transaction fees, subscription services, and interest income. The company charges fees on payment processing and transactions made through its digital platforms. Additionally, Michlol Fin offers subscription-based financial management tools and services, generating recurring revenue. Interest income is earned from customer deposits and investments. Strategic partnerships with banks and financial institutions further enhance Michlol Fin's ability to offer competitive financial products, contributing to its earnings.

Michlol Fin Financial Statement Overview

Summary

Michlol Fin demonstrates strong revenue and profitability growth, supported by a stable balance sheet with decreasing debt levels. However, cash flow management remains a concern, with negative operating cash flows and inconsistent returns affecting the overall score.

Income Statement

Michlol Fin has shown strong revenue growth over the past years with a significant increase from 2020 to 2023. The gross and net profit margins have improved, indicating better cost management and profitability. However, the EBIT margin has been inconsistent, reflecting some operational challenges. Overall, the income statement reflects a positive growth trajectory with some areas needing attention.

Balance Sheet

The company's balance sheet is stable with a decreasing debt-to-equity ratio, indicating reduced leverage risk. The equity ratio has been improving, suggesting strengthened financial health. However, the return on equity shows variability, which could affect investor confidence. The balance sheet indicates a moderate risk profile with improving financial stability.

Cash Flow

Despite negative operating cash flows in recent years, Michlol Fin has managed to maintain adequate free cash flow through effective capital management. The free cash flow to net income ratio is concerning, which could impact future investment capabilities. The fluctuations in cash flow require careful monitoring, but the company has shown resilience in managing its cash position.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	106.59M	182.52M	68.65M	34.59M	16.34M
Gross Profit	106.59M	175.59M	68.65M	30.36M	32.77M
EBITDA	0.00	140.01M	0.00	0.00	12.92M
Net Income	50.93M	41.02M	26.44M	5.95M	-1.74M
Balance Sheet
Total Assets	1.63B	1.61B	1.11B	716.47M	274.75M
Cash, Cash Equivalents and Short-Term Investments	49.32M	51.43M	11.54M	6.31M	5.57M
Total Debt	0.00	1.17B	841.77M	472.11M	355.18M
Total Liabilities	1.33B	1.35B	906.84M	549.60M	262.33M
Stockholders Equity	305.73M	258.38M	198.97M	166.86M	12.41M
Cash Flow
Free Cash Flow	-187.88M	64.35M	-146.64M	-97.66M	-4.39M
Operating Cash Flow	-187.66M	64.65M	-146.30M	-96.89M	-4.29M
Investing Cash Flow	6.46M	-300.00K	-2.84M	-7.27M	-96.00K
Financing Cash Flow	179.09M	-24.46M	154.37M	105.70M	7.33M

Michlol Fin Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1159.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IL:MCLL, the sentiment is Positive. The current price of 1159 is below the 20-day moving average (MA) of 1213.20, below the 50-day MA of 1177.88, and above the 200-day MA of 990.90, indicating a bullish trend. The MACD of 45.53 indicates Negative momentum. The RSI at 78.76 is Negative, neither overbought nor oversold. The STOCH value of 86.36 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IL:MCLL.

Michlol Fin Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PHOE	74 Outperform	24.47B	11.38		3.75%	-11.69%	105.99%
MCLL	69 Neutral	596.22M	11.77		1.68%	―	―
ILDC	67 Neutral	1.47B	14.43		4.08%	―	―
Sector *	67 Neutral	€10.34B	14.39	6.96%	3.47%	13.89%	1.77%
CLIS	63 Neutral	11.84B	10.87		1.69%	―	―

Michlol Fin Corporate Events

Michlol Fin Announces Extraordinary Shareholder Meeting to Discuss Key Financial Decisions

Michlol Fin Company has announced an extraordinary general meeting of its investment division shareholders to deliberate on key financial matters. Scheduled for March 23, 2025, the meeting will address the approval of financial statements, the appointment of auditors and board members, the distribution of dividends for the year 2025, and discussions on inter-company loans and financial agreements. This meeting is pivotal for aligning the company’s financial strategies and ensuring strong governance, potentially impacting its operational efficiency and shareholder returns.