Migdal Insurance & Financial Holdings Ltd. (IL:MGDL)
:MGDL
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Migdal Insur.
(MGDL)
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Rating:70Outperform
Price Target:
1,947.00
▲(21.01% Upside)
Action:ReiteratedDate:12/11/25
Migdal Insurance's strong financial performance and upward technical trend are the primary drivers of its stock score. However, potential overvaluation concerns due to overbought technical indicators and modest dividend yield slightly temper the overall outlook.
Positive Factors
Conservative leverage & strong equity
Extremely low leverage (D/E 0.013) and a healthy ROE of 15.27% indicate durable financial conservatism and efficient equity use. This supports capital resilience through cycles, preserves rating/solvency metrics, and sustains capacity to underwrite risk and invest in growth over months.
Negative Factors
Low net profit margin
A single-digit net margin (4.12%) limits retained earnings and strategic flexibility. Even with high gross margins, compressed net profitability can constrain reinvestment, reserve strengthening, and long-term earnings resilience if claims, expenses, or investment returns deteriorate.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative leverage & strong equity
Extremely low leverage (D/E 0.013) and a healthy ROE of 15.27% indicate durable financial conservatism and efficient equity use. This supports capital resilience through cycles, preserves rating/solvency metrics, and sustains capacity to underwrite risk and invest in growth over months.
Read all positive factors
Migdal Insur. (MGDL) vs. iShares MSCI Israel ETF (EIS)
Market Cap
₪17.83B
Dividend Yield0.3%
Average Volume (3M)2.90M
Price to Earnings (P/E)5.6
Beta (1Y)1.60
Revenue Growth6.00%
EPS Growth36.33%
CountryIL
Employees4,583
SectorFinancial
Sector Strength70
IndustryInsurance - Life
Share Statistics
EPS (TTM)N/A
Shares Outstanding1,057,948,100
10 Day Avg. Volume3,001,843
30 Day Avg. Volume2,903,189
Financial Highlights & Ratios
PEG Ratio1.58
Price to Book (P/B)0.72
Price to Sales (P/S)0.20
P/FCF Ratio2.24
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
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...
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...
Migdal Insur. Financial Statement Overview
Summary
Income Statement
75
Positive
Balance Sheet
80
Positive
Cash Flow
70
Positive
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 33.77B | 33.74B | 28.47B | 6.44B | 36.68B | 21.90B |
| Gross Profit | 33.61B | 32.38B | 28.47B | 6.44B | 36.68B | 20.58B |
| EBITDA | 2.72B | 1.47B | 1.28B | 1.51B | 2.49B | 933.95M |
| Net Income | 1.39B | 608.16M | 587.18M | 750.97M | 1.39B | 388.63M |
Balance Sheet | ||||||
| Total Assets | 241.69B | 219.64B | 204.86B | 196.90B | 204.16B | 181.92B |
| Cash, Cash Equivalents and Short-Term Investments | 29.33B | 46.09B | 41.00B | 38.79B | 37.79B | 29.44B |
| Total Debt | 128.00M | 5.99B | 5.97B | 7.19B | 5.42B | 4.97B |
| Total Liabilities | 232.16B | 210.09B | 196.26B | 188.80B | 195.59B | 175.04B |
| Stockholders Equity | 9.52B | 9.54B | 8.59B | 8.09B | 8.56B | 6.88B |
Cash Flow | ||||||
| Free Cash Flow | 7.23B | 3.05B | 2.15B | -3.11B | 6.88B | -5.26B |
| Operating Cash Flow | 7.62B | 3.38B | 2.44B | -2.85B | 7.12B | -5.07B |
| Investing Cash Flow | -423.20M | -353.88M | -284.03M | -254.66M | -245.25M | -181.84M |
| Financing Cash Flow | 106.97M | 630.00M | -1.35B | 1.18B | 773.24M | 968.91M |
Migdal Insur. Technical Analysis
Neutral
1609.00
Price Trends
1749.08
Negative
1602.21
Positive
1310.64
Positive
Market Momentum
-17.16
Positive
44.59
Neutral
16.38
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IL:MGDL, the sentiment is Neutral. The current price of 1609 is below the 20-day moving average (MA) of 1780.75, below the 50-day MA of 1749.08, and above the 200-day MA of 1310.64, indicating a neutral trend. The MACD of -17.16 indicates Positive momentum. The RSI at 44.59 is Neutral, neither overbought nor oversold. The STOCH value of 16.38 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IL:MGDL.
Migdal Insur. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | ₪35.38B | 14.74 | 23.23% | 2.21% | 5.84% | 138.80% | |
71 Outperform | ₪29.52B | 8.61 | ― | 2.61% | 23.28% | 124.99% | |
70 Outperform | ₪17.83B | 5.63 | ― | 0.30% | 6.00% | 36.33% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ₪19.19B | 5.72 | ― | 1.67% | -27.87% | 229.49% | |
60 Neutral | ₪3.37B | 9.13 | ― | 5.98% | 19.48% | 53.61% |
* Financial Sector Average
IL:MGDL
Migdal Insur.
1,698.00
1,022.70
151.44%
IL:CLIS
Clal Insurance
23,410.00
14,549.50
164.21%
IL:HARL
Harel
17,430.00
11,442.75
191.12%
IL:MMHD
Menora Miv Hld
47,500.00
29,298.97
160.97%
IL:FIBIH
Fibi Holdings
31,800.00
13,264.78
71.57%
IL:IDIN
Idi Insur
22,310.00
7,625.26
51.93%
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.