Michlol Fin (MCLL) AI Stock Analysis

• Market Cap: 647.03M
• Dividend Yield: 1.55%
• Average Volume (3M): 6.03K
• Price to Earnings (P/E): 13.2
• Beta (1Y): 0.74
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: IL
• Employees: 36
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 24.30
• Shares Outstanding: 43,424,920
• 10 Day Avg. Volume: 2,563
• 30 Day Avg. Volume: 6,033
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• 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: 1,626.00
• Price Target Upside: 9.13% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 68 Neutral
• Price Target: 1,626.00 ▲(9.13% Upside)

Michlol Fin's overall stock score reflects strong financial performance with robust revenue growth and operational efficiency, tempered by high leverage and cash flow challenges. The technical analysis suggests neutral to slightly bearish momentum, while the valuation indicates the stock is reasonably priced with a modest dividend yield.

Michlol Fin Business Overview & Revenue Model

Company Description

Michlol Finance Ltd, through its subsidiary, engages in financing and managing construction projects in Israel. It offers finance to entrepreneurs in the field of residential real estate through a complex of real estate; and provides credit to medium and small business corporations. The company was incorporated in 2017 and is based in Bnei Brak, Israel.

How the Company Makes Money

Michlol Fin generates revenue through several key streams. Primarily, the company earns management fees from the assets it manages on behalf of clients, which are calculated as a percentage of the total assets under management (AUM). Additionally, MCLL charges performance fees when investment returns exceed a predefined benchmark, incentivizing the firm to maximize client returns. The company also offers advisory services for a fee, which may include financial planning, tax advisory, and estate planning, contributing to its revenue. Strategic partnerships with financial institutions and technology providers enhance its service offerings and may lead to additional revenue through referral fees or shared services. Overall, Michlol Fin's revenue model is diversified, allowing it to adapt to market conditions and client needs effectively.

Michlol Fin Financial Statement Overview

Summary

Michlol Fin exhibits strong revenue growth and operational efficiency, but faces challenges with high leverage and cash flow management. While profitability metrics are generally favorable, the company's reliance on debt financing and negative operating cash flow could pose risks.

Income Statement

Michlol Fin has demonstrated strong revenue growth, with a significant increase from 2020 to 2023. The gross profit margin is consistently high, indicating efficient cost management. However, the net profit margin shows some volatility, which may reflect fluctuating expenses or other financial factors. EBIT and EBITDA margins are robust, suggesting solid operational performance.

Balance Sheet

The company's balance sheet shows a high debt-to-equity ratio, indicating significant leverage, which could pose financial risks. However, the return on equity is strong, reflecting effective use of equity to generate profits. The equity ratio is moderate, suggesting a balanced approach to financing assets through equity.

Cash Flow

Michlol Fin's cash flow statement reveals challenges with negative operating cash flow in recent years, which could affect liquidity. Despite this, the company has managed to maintain free cash flow through financing activities. The operating cash flow to net income ratio is concerning, indicating potential issues in converting income into cash.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	173.40M	106.59M	182.52M	68.65M	34.59M	16.34M
Gross Profit	101.52M	106.59M	175.59M	68.65M	30.36M	32.77M
EBITDA	66.72M	69.18M	140.01M	0.00	0.00	12.92M
Net Income	48.96M	50.93M	41.02M	26.44M	5.95M	-1.74M
Balance Sheet
Total Assets	1.96B	1.63B	1.61B	1.11B	716.47M	274.75M
Cash, Cash Equivalents and Short-Term Investments	29.89M	49.32M	51.43M	11.54M	6.31M	5.57M
Total Debt	1.56B	1.25B	1.17B	841.77M	472.11M	355.18M
Total Liabilities	1.64B	1.33B	1.35B	906.84M	549.60M	262.33M
Stockholders Equity	324.22M	305.73M	258.38M	198.97M	166.86M	12.41M
Cash Flow
Free Cash Flow	-195.94M	-187.88M	64.35M	-146.64M	-97.66M	-4.39M
Operating Cash Flow	-195.51M	-187.66M	64.65M	-146.30M	-96.89M	-4.29M
Investing Cash Flow	6.25M	6.46M	-300.00K	-2.84M	-7.27M	-96.00K
Financing Cash Flow	174.07M	179.09M	-24.46M	154.37M	105.70M	7.33M

Michlol Fin Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1490.00
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

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 1490 is above the 20-day moving average (MA) of 1378.85, below the 50-day MA of 1495.06, and above the 200-day MA of 1221.59, indicating a neutral trend. The MACD of -27.88 indicates Negative momentum. The RSI at 57.69 is Neutral, neither overbought nor oversold. The STOCH value of 77.50 is Neutral, 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
JCFN	80 Outperform	873.97M	11.40	―	―	―	―
PEN	73 Outperform	708.19M	10.70	―	5.65%	27.66%	46.91%
MCLL	68 Neutral	647.03M	13.22	―	1.55%	―	―
DIFI	64 Neutral	1.46B	13.90	10.68%	5.03%	6.88%	-13.14%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%