Michlol Fin (MCLL) AI Stock Analysis

• Market Cap: 680.90M
• Dividend Yield: 1.47%
• Average Volume (3M): 7.27K
• Price to Earnings (P/E): 13.4
• Beta (1Y): 0.73
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: IL
• Employees: 36
• Sector: Financial
• Sector Strength: 71
• Industry: Financial - Credit Services
• EPS (TTM): N/A
• Shares Outstanding: 43,424,920
• 10 Day Avg. Volume: 8,356
• 30 Day Avg. Volume: 7,268
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• 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: 1,833.00
• Price Target Upside: 16.53% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 80 Outperform
• Price Target: 1,899.00 ▲(20.72% Upside)

Michlol Fin's stock is rated highly due to strong technical momentum and attractive valuation metrics, including a low P/E ratio and high dividend yield. However, the financial performance is somewhat tempered by concerns over high leverage and negative operating cash flow, which could pose risks if not addressed.

Michlol Fin Business Overview & Revenue Model

Company Description

Michlol Fin (MCLL) is a financial services company specializing in investment management, asset allocation, and advisory services. Operating primarily in the fintech sector, Michlol Fin offers a range of products including investment portfolios, wealth management solutions, and financial planning services tailored for both individual and institutional clients. The company leverages advanced technology to deliver data-driven insights and enhance client engagement, positioning itself as a forward-thinking player in the competitive financial landscape.

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 shows strong revenue growth and profitability with a stable balance sheet. However, cash flow challenges and inconsistent returns need attention.

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	69.18M	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	1.25B	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: Neutral
• Last Price: 1573.00
• 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:MCLL, the sentiment is Neutral. The current price of 1573 is above the 20-day moving average (MA) of 1551.80, above the 50-day MA of 1415.12, and above the 200-day MA of 1123.60, indicating a neutral trend. The MACD of 21.49 indicates Positive momentum. The RSI at 49.18 is Neutral, neither overbought nor oversold. The STOCH value of 63.37 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IL:MCLL.

Michlol Fin Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MCLL	80 Outperform	680.90M	13.44		1.47%	―	―
JCFN	80 Outperform	925.60M	12.74		―	―	―
PEN	73 Outperform	719.51M	12.24		4.95%	21.60%	22.76%
DIFI	69 Neutral	1.43B	12.44		5.27%	14.62%	-12.09%
Sector *	65 Neutral	£5.45B	8.77	9.49%	5.11%	10.05%	-13.15%

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.