Menora Mivtachim Holdings Ltd. (IL:MMHD)
TASE:MMHD
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Menora Miv Hld
(TASE:MMHD)
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Rating:74Outperform
Price Target:
50,736.00
▲(30.09% Upside)
Action:Reiterated
Date:05/27/26
The score is driven primarily by improved profitability and returns, partially offset by volatile cash-flow history and a notable recent FCF decline. Technicals add support due to a strong multi-timeframe uptrend with balanced momentum, while valuation is favorable given the low P/E and a ~2.8% dividend yield.
Positive Factors
Improved profitability & margins
Sustained margin expansion and a very strong TTM EBIT margin indicate structural improvement in underwriting, pricing and operating efficiency. Higher margins improve internal cash generation, increase resilience to underwriting shocks, and create durable capacity to fund dividends or reinvest in growth.
Negative Factors
Choppy cash flow history
Marked swings in operating and free cash flow across recent years reduce predictability of financial resources. This inconsistency raises the risk that strong recent cash generation may not persist through cycles, complicating capital planning, claims funding and steady shareholder distributions.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved profitability & margins
Sustained margin expansion and a very strong TTM EBIT margin indicate structural improvement in underwriting, pricing and operating efficiency. Higher margins improve internal cash generation, increase resilience to underwriting shocks, and create durable capacity to fund dividends or reinvest in growth.
Read all positive factors
Menora Miv Hld (MMHD) vs. iShares MSCI Israel ETF (EIS)
Market Cap
₪28.30B
Dividend Yield2.61%
Average Volume (3M)97.70K
Price to Earnings (P/E)11.6
Beta (1Y)1.71
Revenue Growth43.27%
EPS Growth99.24%
CountryIL
Employees3,805
SectorFinancial
Sector Strength70
IndustryInsurance - Diversified
Share Statistics
EPS (TTM)N/A
Shares Outstanding62,480,762
10 Day Avg. Volume92,349
30 Day Avg. Volume97,698
Financial Highlights & Ratios
PEG Ratio0.09
Price to Book (P/B)2.71
Price to Sales (P/S)1.39
P/FCF Ratio11.31
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
Menora Miv Hld Business Overview & Revenue Model
Company Description
Menora Mivtachim Holdings Ltd., together with its subsidiaries, operates in insurance and finance sectors in Israel. It operates through Life Insurance and Long-Term Savings; Health Insurance; and Property and Casualty Insurance segments. The comp...
How the Company Makes Money
MMHD makes money primarily through (1) insurance underwriting results and (2) income generated from managing large pools of customer savings and insurance reserves. In its insurance operations, the company collects premiums from policyholders (lif...
Menora Miv Hld Financial Statement Overview
Summary
Income Statement
82
Very Positive
Balance Sheet
74
Positive
Cash Flow
60
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 14.57B | 17.87B | 14.78B | 12.57B | 5.89B | 12.99B |
| Gross Profit | 14.57B | 17.87B | 13.92B | 11.77B | 5.20B | 12.29B |
| EBITDA | 4.22B | 4.13B | 2.17B | 1.28B | 1.15B | 1.30B |
| Net Income | 2.43B | 2.35B | 1.08B | 516.08M | 536.04M | 655.68M |
Balance Sheet | ||||||
| Total Assets | 80.70B | 81.51B | 74.18B | 70.03B | 67.58B | 66.79B |
| Cash, Cash Equivalents and Short-Term Investments | 1.71B | 2.36B | 3.98B | 3.40B | 11.79B | 12.59B |
| Total Debt | 6.04B | 5.62B | 4.34B | 3.72B | 3.43B | 1.82B |
| Total Liabilities | 71.58B | 72.06B | 66.76B | 63.42B | 61.51B | 61.18B |
| Stockholders Equity | 8.89B | 9.19B | 7.21B | 6.43B | 5.90B | 5.54B |
Cash Flow | ||||||
| Free Cash Flow | 1.23B | 2.20B | 1.36B | -578.42M | -872.23M | 994.26M |
| Operating Cash Flow | 1.40B | 2.23B | 1.66B | -324.60M | -637.71M | 1.24B |
| Investing Cash Flow | -1.85B | -1.30B | -541.09M | -269.12M | -253.47M | -240.94M |
| Financing Cash Flow | 545.44M | 563.19M | -547.84M | 104.00M | 189.97M | -541.82M |
Menora Miv Hld Technical Analysis
Neutral
39000.00
Price Trends
50158.80
Negative
48105.29
Negative
41672.31
Positive
Market Momentum
-1980.49
Positive
41.13
Neutral
19.33
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IL:MMHD, the sentiment is Neutral. The current price of 39000 is below the 20-day moving average (MA) of 47773.00, below the 50-day MA of 50158.80, and below the 200-day MA of 41672.31, indicating a neutral trend. The MACD of -1980.49 indicates Positive momentum. The RSI at 41.13 is Neutral, neither overbought nor oversold. The STOCH value of 19.33 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IL:MMHD.
Menora Miv Hld Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | ₪28.30B | 11.58 | ― | 2.61% | 43.27% | 99.24% | |
73 Outperform | ₪3.82B | 7.67 | ― | 6.25% | ― | ― | |
72 Outperform | ₪17.58B | 9.23 | ― | 0.30% | 35.50% | 147.32% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ₪18.45B | 7.89 | ― | 1.67% | -30.11% | 110.97% | |
66 Neutral | ₪42.26B | 12.52 | ― | 4.19% | 28.82% | 58.47% | |
65 Neutral | ₪33.62B | 11.04 | 23.23% | 2.21% | 28.54% | 147.51% |
* Financial Sector Average
IL:MMHD
Menora Miv Hld
46,050.00
21,542.80
87.90%
IL:CLIS
Clal Insurance
22,760.00
8,580.56
60.51%
IL:HARL
Harel
16,030.00
7,305.22
83.73%
IL:MGDL
Migdal Insur.
1,670.00
809.40
94.05%
IL:PHOE
Phoenix
16,490.00
7,485.65
83.13%
IL:AYAL
Ayalon Hold.
12,950.00
7,091.48
121.05%
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.