Michlol Finance Ltd (IL:MCLL)
TASE:MCLL
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Michlol Fin
(TASE:MCLL)
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Rating:62Neutral
Price Target:
1,378.00
▼(-9.93% Downside)
Action:Reiterated
Date:06/12/26
The score is supported primarily by strong recent profitability and a reasonable valuation (P/E ~12.3). It is held back by high balance-sheet leverage and historically volatile cash flows, alongside a clearly bearish technical trend with negative momentum and the price below major moving averages.
Positive Factors
High operating margins
Sustained, very high operating and net margins indicate strong pricing power and an efficient cost structure in the core credit-services business. These margins provide durable earnings capacity to fund reinvestment, service debt, and support capital returns over the medium term.
Negative Factors
High balance-sheet leverage
Very high debt-to-equity (about 4–5x) magnifies business volatility and reduces financial flexibility. Rising funding costs or credit stress could sharply increase interest burden or force asset sales, making long-term capital structure a material vulnerability.
Read all positive and negative factors
Positive Factors
Negative Factors
High operating margins
Sustained, very high operating and net margins indicate strong pricing power and an efficient cost structure in the core credit-services business. These margins provide durable earnings capacity to fund reinvestment, service debt, and support capital returns over the medium term.
Read all positive factors
Michlol Fin (MCLL) vs. iShares MSCI Israel ETF (EIS)
Market Cap
₪673.92M
Dividend Yield1.53%
Average Volume (3M)3.85K
Price to Earnings (P/E)12.3
Beta (1Y)0.78
Revenue Growth5.95%
EPS Growth-3.63%
CountryIL
Employees36
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)1.18
Shares Outstanding49,227,238
10 Day Avg. Volume5,716
30 Day Avg. Volume3,851
Financial Highlights & Ratios
PEG Ratio-7.86
Price to Book (P/B)1.66
Price to Sales (P/S)3.06
P/FCF Ratio8.84
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
Michlol Fin Business Overview & Revenue Model
Company Description
Michlol Finance Ltd, operating via its subsidiary, is engaged in the financial backing and management of construction projects throughout Israel. The firm provides capital to entrepreneurs focusing on residential property development, leveraging i...
How the Company Makes Money
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Michlol Fin Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
52
Neutral
Cash Flow
66
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 231.40M | 220.56M | 203.43M | 182.52M | 68.65M | 46.22M |
| Gross Profit | 172.25M | 216.51M | 106.59M | 175.59M | 68.65M | 34.59M |
| EBITDA | 131.48M | 180.78M | 69.18M | 140.01M | 37.42M | 11.82M |
| Net Income | 54.42M | 50.31M | 50.93M | 41.02M | 26.44M | 5.95M |
Balance Sheet | ||||||
| Total Assets | 2.75B | 2.43B | 1.63B | 1.61B | 1.11B | 716.47M |
| Cash, Cash Equivalents and Short-Term Investments | 557.73M | 50.72M | 49.32M | 51.43M | 11.54M | 6.31M |
| Total Debt | 2.20B | 1.92B | 1.25B | 1.17B | 841.77M | 472.11M |
| Total Liabilities | 2.32B | 2.02B | 1.33B | 1.35B | 906.84M | 549.60M |
| Stockholders Equity | 436.94M | 406.19M | 305.73M | 258.38M | 198.97M | 166.86M |
Cash Flow | ||||||
| Free Cash Flow | 567.00M | 76.45M | -187.88M | 64.35M | -146.64M | -97.66M |
| Operating Cash Flow | 567.29M | 76.82M | -187.66M | 64.65M | -146.30M | -96.89M |
| Investing Cash Flow | -434.30M | -790.18M | 6.46M | -300.00K | -2.84M | -7.27M |
| Financing Cash Flow | 397.16M | 714.76M | 179.09M | -24.46M | 154.37M | 105.70M |
Michlol Fin Technical Analysis
Neutral
1530.00
Price Trends
1409.42
Negative
1477.63
Negative
1454.28
Negative
Market Momentum
-28.06
Negative
50.82
Neutral
44.64
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 1530 is above the 20-day moving average (MA) of 1335.25, above the 50-day MA of 1409.42, and above the 200-day MA of 1454.28, indicating a neutral trend. The MACD of -28.06 indicates Negative momentum. The RSI at 50.82 is Neutral, neither overbought nor oversold. The STOCH value of 44.64 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
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% | |
65 Neutral | ₪180.96M | 9.44 | ― | 3.80% | -7.16% | 4.57% | |
62 Neutral | ₪673.92M | 12.33 | ― | 1.53% | 5.95% | -3.63% | |
62 Neutral | ₪1.86B | 12.48 | ― | 5.03% | -5.73% | 29.37% | |
60 Neutral | ₪751.45M | 10.46 | ― | 5.35% | 23.07% | 38.26% | |
57 Neutral | ₪694.26M | 8.31 | ― | ― | 28.26% | 15.92% |
* Financial Sector Average
IL:MCLL
Michlol Fin
1,370.00
218.00
18.92%
IL:PEN
Peninsula Group
329.30
80.26
32.23%
IL:DIFI
Direct Finance
60,030.00
12,009.72
25.01%
IL:BRKT
Bareket
334.90
129.54
63.08%
IL:JCFN
Jacob Finance & Investments Ltd.
2,802.00
-448.74
-13.80%
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.