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Migdal Insurance & Financial Holdings Ltd. (IL:MGDL)
:MGDL
Israel Market
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Migdal Insur. (MGDL) AI Stock Analysis

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IL:MGDL

Migdal Insur.

(MGDL)

Rating:70Outperform
Price Target:
1,070.00
▲(5.00%Upside)
The overall score for IL:MGDL is 70. The main strengths include strong market momentum and a robust balance sheet. However, recent declines in revenue and cash flow volatility present notable risks. Valuation appears reasonable, but limited dividend yield lowers attractiveness for income investors.

Migdal Insur. (MGDL) vs. iShares MSCI Israel ETF (EIS)

Migdal Insur. Business Overview & Revenue Model

Company DescriptionMigdal Insur. (MGDL) is a prominent insurance and financial services provider based in Israel. The company operates in key sectors including life insurance, health insurance, pension funds, and financial asset management. Migdal Insur. offers a comprehensive range of insurance products and services designed to meet the diverse needs of individuals and businesses, ensuring financial security and risk management solutions.
How the Company Makes MoneyMigdal Insur. generates its revenue primarily through the sale of insurance policies and the management of pension and provident funds. The company earns premiums from customers who purchase life and health insurance policies, which form a significant part of its income. Additionally, Migdal Insur. manages a substantial portfolio of assets through its pension and provident funds, generating revenue from investment management fees and returns on investments. Strategic partnerships and collaborations with financial institutions and brokers also contribute to its revenue streams, enhancing its market reach and service offerings.

Migdal Insur. Financial Statement Overview

Summary
Migdal Insurance shows a mixed financial performance. While the income statement reflects profitability, recent revenue declines are concerning. The balance sheet is robust with low leverage, yet cash flow volatility poses short-term liquidity challenges. Continued focus on revenue growth and cash flow stability will be crucial for sustaining financial health.
Income Statement
65
Positive
The company demonstrates strong gross profit margins, with consistent profitability over time. However, recent revenue and net profit margin have declined significantly compared to previous periods, indicating potential concerns in maintaining growth momentum.
Balance Sheet
70
Positive
The balance sheet reflects a solid equity base and a low debt-to-equity ratio, indicating financial stability. However, a slight decrease in stockholders' equity over the periods needs monitoring to ensure long-term sustainability.
Cash Flow
50
Neutral
Cash flow analysis highlights volatility, with negative operating and free cash flow in the TTM period. This suggests challenges in generating cash internally, countered by positive cash flow in previous years, indicating potential short-term issues.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue33.74B28.47B6.44B36.68B21.90B
Gross Profit33.36B28.47B6.44B36.68B21.90B
EBITDA1.47B1.28B1.51B2.49B914.10M
Net Income608.16M587.18M750.97M1.39B388.63M
Balance Sheet
Total Assets219.64B204.86B196.90B204.16B181.92B
Cash, Cash Equivalents and Short-Term Investments46.09B41.00B38.79B37.79B29.44B
Total Debt5.99B5.97B7.19B5.42B4.97B
Total Liabilities210.09B196.26B188.80B195.59B175.04B
Stockholders Equity9.54B8.59B8.09B8.56B6.88B
Cash Flow
Free Cash Flow3.05B2.15B-3.11B6.88B-5.26B
Operating Cash Flow3.38B2.44B-2.85B7.12B-5.07B
Investing Cash Flow-353.88M-284.03M-254.66M-245.25M-181.84M
Financing Cash Flow630.00M-1.35B1.18B773.24M968.91M

Migdal Insur. Technical Analysis

Technical Analysis Sentiment
Positive
Last Price1019.00
Price Trends
50DMA
836.90
Positive
100DMA
772.11
Positive
200DMA
720.63
Positive
Market Momentum
MACD
51.02
Positive
RSI
67.98
Neutral
STOCH
69.55
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IL:MGDL, the sentiment is Positive. The current price of 1019 is above the 20-day moving average (MA) of 969.29, above the 50-day MA of 836.90, and above the 200-day MA of 720.63, indicating a bullish trend. The MACD of 51.02 indicates Positive momentum. The RSI at 67.98 is Neutral, neither overbought nor oversold. The STOCH value of 69.55 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IL:MGDL.

Migdal Insur. Peers Comparison

Overall Rating
UnderperformOutperform
Sector (65)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
72
Outperform
18.72B15.22
233.31%-2.35%80.26%
70
Outperform
10.77B14.02
51.21%-16.50%29.61%
70
Outperform
13.27B12.17
226.42%
70
Outperform
2.87B9.62
762.94%25.90%68.30%
69
Neutral
$22.17B18.0112.96%359.79%-10.79%67.20%
65
Neutral
€12.58B12.486.83%3.84%15.23%6.82%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IL:MGDL
Migdal Insur.
1,092.00
626.92
134.80%
IL:HARL
Harel
11,100.00
7,718.10
228.22%
IL:MMHD
Menora Miv Hld
30,010.00
20,307.39
209.30%
IL:CLIS
Clal Insurance
17,780.00
11,894.30
202.09%
IL:IDIN
Idi Insur
19,410.00
9,442.50
94.73%

Migdal Insur. Corporate Events

Migdal Insurance Faces Governance Scrutiny Amidst Leadership Changes
Feb 12, 2025

Migdal Insurance Company is facing scrutiny from the Commissioner of Capital Market, Insurance and Savings due to high turnover in its board leadership, as evidenced by the recent resignation of Chairman Prof. Amir Barnea after a short tenure. The Commissioner has raised concerns about the potential mismanagement of the company, emphasizing the need for independent and stable leadership decisions, and is considering using legal powers to enforce governance standards at Migdal Insurance.

Court Dismisses Class Action Against Migdal Insurance
Feb 12, 2025

Migdal Insur. announced that the Tel Aviv District Court has dismissed a class action approval request against its subsidiary, Migdal Insurance Company Ltd., and four other respondents. The lawsuit involved alleged discrimination in travel insurance policies for not covering mental illnesses. The dismissal was due to the non-appointment of a representative counsel by the applicant, as previously required by the court, and was resolved without an order for expenses.

Migdal Insurance Issues Corrective Report on Securities Register Error
Feb 11, 2025

Migdal Insurance has issued a corrective report related to a previous securities register report, indicating an error due to human oversight. The primary correction involved deducting private shareholders’ securities, which were transferred for registration on the Tel Aviv Stock Exchange. This update highlights a transfer between shareholders, affecting securities ownership without altering the total number of securities. Such adjustments are critical for maintaining accurate records and transparency in shareholder information, impacting investor trust and regulatory compliance.

Migdal Insurance Updates Capital Structure with Share Transfer
Feb 11, 2025

Migdal Insurance announced a change in its capital structure involving a transfer of securities between shareholders. This adjustment, which did not alter the total quantity of securities, was executed without stock exchange clearing. The changes reflect an update to the corporation’s security registry, affecting the balance of regular shares held by the Company for Registration of the Stock Exchange in Tel Aviv Ltd. This move is part of ongoing securities management and aligns with regulatory compliance as outlined by the Securities Regulations.

Migdal Insurance Announces Chairman’s Departure
Feb 9, 2025

Migdal Insurance Company Ltd. has announced that its Chairman of the Board of Directors is ending his tenure. This development could impact the company’s governance and strategic direction, with potential implications for stakeholders in terms of leadership transition and future company policies.

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.Date of analysis: Jul 09, 2025