Michlol Finance Ltd (IL:MCLL)
TASE:MCLL
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Michlol Fin
(TASE:MCLL)
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Rating:58Neutral
Price Target:
1,593.00
▲(4.12% Upside)
Action:ReiteratedDate:01/13/26
The score is held back primarily by weak cash generation and high leverage despite strong reported profitability. Technicals are supportive with price above major moving averages and positive momentum, while valuation appears reasonable with a modest dividend yield.
Positive Factors
High Profitability Margins
Sustained high operating and net margins indicate durable pricing power and an efficient cost base. Over 2-6 months this supports reinvestment in technology and client service, funds for strategic initiatives, and resilience to revenue shocks versus lower‑margin peers.
Negative Factors
Very High Leverage
A debt-to-equity ratio near 5x materially constrains financial flexibility. Over the medium term this raises refinancing and interest rate sensitivity, limits ability to invest organically or by acquisition, and elevates downside risk if credit conditions tighten.
Read all positive and negative factors
Positive Factors
Negative Factors
High Profitability Margins
Sustained high operating and net margins indicate durable pricing power and an efficient cost base. Over 2-6 months this supports reinvestment in technology and client service, funds for strategic initiatives, and resilience to revenue shocks versus lower‑margin peers.
Read all positive factors
Michlol Fin (MCLL) vs. iShares MSCI Israel ETF (EIS)
Market Cap
₪688.68M
Dividend Yield1.53%
Average Volume (3M)3.85K
Price to Earnings (P/E)11.8
Beta (1Y)0.78
Revenue GrowthN/A
EPS GrowthN/A
CountryIL
Employees36
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)31.60
Shares Outstanding49,226,420
10 Day Avg. Volume5,716
30 Day Avg. Volume3,851
Financial Highlights & Ratios
PEG Ratio0.41
Price to Book (P/B)1.41
Price to Sales (P/S)2.12
P/FCF Ratio-2.30
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, 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 med...
How the Company Makes Money
Michlol Fin generates revenue through multiple channels. Its primary revenue streams include management fees from assets under management (AUM), which are charged to clients for the ongoing management and advisory services provided. Additionally, ...
Michlol Fin Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
46
Neutral
Cash Flow
22
Negative
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 209.23M | 203.43M | 182.52M | 68.65M | 46.22M | 9.24M |
| Gross Profit | 130.91M | 106.59M | 175.59M | 68.65M | 34.59M | 2.45M |
| EBITDA | 94.74M | 69.18M | 140.01M | 0.00 | 11.82M | -2.67M |
| Net Income | 48.65M | 50.93M | 41.02M | 26.44M | 5.95M | -1.74M |
Balance Sheet | ||||||
| Total Assets | 2.13B | 1.63B | 1.61B | 1.11B | 716.47M | 274.75M |
| Cash, Cash Equivalents and Short-Term Investments | 30.32M | 49.32M | 51.43M | 11.54M | 6.31M | 4.77M |
| Total Debt | 1.70B | 1.25B | 1.17B | 841.77M | 472.11M | 184.72M |
| Total Liabilities | 1.79B | 1.33B | 1.35B | 906.84M | 549.60M | 262.33M |
| Stockholders Equity | 338.30M | 305.73M | 258.38M | 198.97M | 166.86M | 12.41M |
Cash Flow | ||||||
| Free Cash Flow | -169.81M | -187.88M | 64.35M | -146.64M | -97.66M | -4.39M |
| Operating Cash Flow | -169.38M | -187.66M | 64.65M | -146.30M | -96.89M | -4.29M |
| Investing Cash Flow | -150.88M | 6.46M | -300.00K | -2.84M | -7.27M | -96.00K |
| Financing Cash Flow | 317.59M | 179.09M | -24.46M | 154.37M | 105.70M | 7.33M |
Michlol Fin Technical Analysis
Negative
1530.00
Price Trends
1539.04
Negative
1479.92
Negative
1459.62
Negative
Market Momentum
-43.18
Positive
26.21
Positive
30.20
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IL:MCLL, the sentiment is Negative. The current price of 1530 is below the 20-day moving average (MA) of 1534.10, below the 50-day MA of 1539.04, and above the 200-day MA of 1459.62, indicating a bearish trend. The MACD of -43.18 indicates Positive momentum. The RSI at 26.21 is Positive, neither overbought nor oversold. The STOCH value of 30.20 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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% | |
64 Neutral | ₪716.63M | 10.01 | ― | ― | 29.67% | 15.36% | |
62 Neutral | ₪590.19M | 11.91 | ― | 5.35% | 25.73% | 45.19% | |
58 Neutral | ₪688.68M | 11.79 | ― | 1.53% | ― | ― | |
52 Neutral | ₪1.58B | 12.34 | ― | 5.03% | 0.10% | 15.03% |
* Financial Sector Average
IL:MCLL
Michlol Fin
1,424.00
324.00
29.45%
IL:PEN
Peninsula Group
272.10
68.83
33.86%
IL:DIFI
Direct Finance
53,000.00
2,494.88
4.94%
IL:BRKT
Bareket
308.70
88.40
40.13%
IL:JCFN
Jacob Finance & Investments Ltd.
2,899.00
409.00
16.43%
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.