Migdal Insur. (MGDL) AI Stock Analysis

• Market Cap: 12.79B
• Dividend Yield: 0.4%
• Average Volume (3M): 2.90M
• Price to Earnings (P/E): 14.6
• Beta (1Y): 1.64
• Revenue Growth: 24.69%
• EPS Growth: -28.38%
• Country: IL
• Employees: 4,583
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Life
• EPS (TTM): 54.00
• Shares Outstanding: 1,057,948,100
• 10 Day Avg. Volume: 3,001,843
• 30 Day Avg. Volume: 2,903,189
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 74 Outperform
• Price Target: 1,396.00 ▲(8.22% Upside)

Migdal Insurance's overall stock score is driven by strong technical analysis, indicating bullish momentum, and solid financial performance with robust revenue growth and operational efficiency. The valuation is fair, though the dividend yield is modest. The absence of earnings call data and corporate events does not impact the score.

Migdal Insur. Business Overview & Revenue Model

Company Description

Migdal Insurance and Financial Holdings Ltd., together with its subsidiaries, provides insurance, pension, and financial services for private and corporate customers in Israel. The company deals and manages pension plans, life and health insurance products, pensions, and financial business plans; and provides personal accident and mortgage insurance solutions, and savings, as well as insurance agency services. It also markets investments; operates nostro accounts; and manages financial assets, including mutual funds and portfolios, as well as engages in the investment banking and distribution activities. The company was founded in 1934 and is based in Petah Tikva, Israel. Migdal Insurance and Financial Holdings Ltd. operates as a subsidiary of Eliahu Issues Ltd.

How the Company Makes Money

Migdal Insur. generates revenue through multiple key streams, primarily from the sale of insurance premiums across its various products, including life, health, and property insurance. The company collects premiums upfront, which are then invested to generate returns. Additional revenue comes from management fees associated with investment funds and pension plans. Furthermore, Migdal Insur. may engage in reinsurance arrangements, allowing them to manage risk and optimize their capital structure. Strategic partnerships with financial institutions and distribution networks also play a significant role in expanding their customer base and enhancing revenue opportunities.

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

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

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

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.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	35.70B	33.74B	28.47B	6.44B	36.68B	21.90B
Gross Profit	34.87B	33.36B	28.47B	6.44B	36.68B	21.90B
EBITDA	1.92B	1.47B	1.28B	1.51B	2.49B	914.10M
Net Income	877.31M	608.16M	587.18M	750.97M	1.39B	388.63M
Balance Sheet
Total Assets	236.03B	219.64B	204.86B	196.90B	204.16B	181.92B
Cash, Cash Equivalents and Short-Term Investments	26.55B	46.09B	41.00B	38.79B	37.79B	29.44B
Total Debt	134.00M	5.99B	5.97B	7.19B	5.42B	4.97B
Total Liabilities	227.03B	210.09B	196.26B	188.80B	195.59B	175.04B
Stockholders Equity	8.99B	9.54B	8.59B	8.09B	8.56B	6.88B
Cash Flow
Free Cash Flow	3.47B	3.05B	2.15B	-3.11B	6.88B	-5.26B
Operating Cash Flow	3.86B	3.38B	2.44B	-2.85B	7.12B	-5.07B
Investing Cash Flow	-419.77M	-353.88M	-284.03M	-254.66M	-245.25M	-181.84M
Financing Cash Flow	958.35M	630.00M	-1.35B	1.18B	773.24M	968.91M

Migdal Insur. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1290.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

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 1290 is above the 20-day moving average (MA) of 1149.05, above the 50-day MA of 1141.38, and above the 200-day MA of 883.83, indicating a bullish trend. The MACD of 36.93 indicates Negative momentum. The RSI at 72.72 is Negative, neither overbought nor oversold. The STOCH value of 95.76 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IL:MGDL.

Migdal Insur. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MMHD	79 Outperform	20.56B	12.30	―	3.20%	28.29%	74.13%
CLIS	75 Outperform	14.81B	10.42	―	1.91%	―	―
HARL	75 Outperform	$23.84B	12.36	19.01%	2.55%	16.52%	108.70%
MGDL	74 Outperform	12.79B	14.56	―	0.40%	24.69%	-28.38%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
IDIN	65 Neutral	3.01B	9.37	―	7.43%	24.23%	48.82%