Menora Miv Hld (MMHD) AI Stock Analysis

• Market Cap: 24.83B
• Dividend Yield: 2.61%
• Average Volume (3M): 97.70K
• Price to Earnings (P/E): 12.1
• Beta (1Y): 1.62
• Revenue Growth: 23.28%
• EPS Growth: 124.99%
• Country: IL
• Employees: 3,716
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Diversified
• EPS (TTM): 951.70
• Shares Outstanding: 62,375,896
• 10 Day Avg. Volume: 92,349
• 30 Day Avg. Volume: 97,698
• PEG Ratio: 0.08
• Price to Book (P/B): 1.28
• Price to Sales (P/S): 0.62
• P/FCF Ratio: 6.77
• 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: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 79 Outperform
• Price Target: 39,474.00 ▲(1.22% Upside)

Menora Miv Hld's strong financial performance, characterized by robust revenue and profit growth, efficient cost management, and solid cash flow generation, is the primary driver of its score. Technical analysis supports a positive outlook with strong momentum, though caution is advised due to potential overbought conditions. The stock's valuation is reasonable, with a fair P/E ratio and attractive dividend yield, further supporting its investment appeal.

Positive Factors

Revenue Growth

Strong revenue and profit growth indicate robust market demand and effective business strategies, supporting long-term financial health.

Cash Flow Management

Significant improvement in free cash flow enhances financial flexibility and supports future investment opportunities and debt management.

Operational Efficiency

High margins reflect efficient cost management and strong operational performance, contributing to sustained profitability.

Negative Factors

Reliance on Liabilities

Low equity ratio suggests higher reliance on liabilities, which could pose risks in financial downturns, affecting long-term stability.

Cash Flow Volatility

Historical cash flow volatility may challenge consistent financial planning and investment, impacting long-term strategic initiatives.

Moderate Leverage

While leverage is moderate, maintaining balance is crucial to avoid over-leveraging, which could limit financial flexibility in adverse conditions.

Menora Miv Hld Business Overview & Revenue Model

Company Description

Menora Mivtachim Holdings Ltd operates in insurance and finance sectors in Israel. The company offers life and health, and general insurance products, as well as automobile insurance products, such as compulsory automobile or property car insurance products; and pension and provident funds. It also engages in the mutual funds and portfolio management, securities underwriting, and real estate investment activities. The company was formerly known as General Liability Office Ltd. and changed its name to Menora Mivtachim Holdings Ltd in 2006. Menora Mivtachim Holdings Ltd was founded in 1935 and is based in Tel Aviv, Israel.

How the Company Makes Money

Menora Miv Hld generates revenue primarily through its insurance operations, where it earns premiums from policyholders in various sectors such as life, health, and general insurance. The company also makes money from investment income generated from its diverse portfolio, including equities, bonds, and real estate investments. Additionally, MMHD may benefit from fees and commissions related to its financial services. Strategic partnerships with other financial institutions and companies in the insurance space further enhance its revenue streams, while efficient risk management and underwriting practices contribute to maintaining profitability.

Menora Miv Hld Financial Statement Overview

Summary

Menora Miv Hld demonstrates strong financial health with impressive revenue and profit growth, efficient cost management, and robust cash flow generation. The balance sheet is stable with moderate leverage, though the equity ratio suggests a reliance on liabilities. Overall, the company is well-positioned financially, with some caution advised due to past cash flow volatility.

Income Statement

The company has shown strong revenue growth with a 17.55% increase from 2023 to 2024. Gross profit margin is exceptionally high at 99.12%, indicating efficient cost management. Net profit margin improved significantly to 7.31%, reflecting enhanced profitability. EBIT and EBITDA margins are robust at 11.15% and 14.66% respectively, showcasing strong operational performance.

Balance Sheet

The debt-to-equity ratio is moderate at 0.49, suggesting a balanced approach to leverage. Return on equity is strong at 14.97%, indicating efficient use of equity to generate profits. The equity ratio stands at 9.72%, which is relatively low, suggesting a higher reliance on liabilities for asset financing.

Cash Flow

Free cash flow has improved significantly, turning positive with a growth rate of 335.81% from 2023 to 2024. The operating cash flow to net income ratio is 1.54, indicating good cash generation relative to net income. Free cash flow to net income ratio is 1.26, reflecting strong cash flow management. However, past negative cash flows indicate potential volatility.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	11.49B	14.78B	12.57B	5.89B	12.99B	9.53B
Gross Profit	11.49B	13.92B	11.77B	5.20B	12.29B	8.76B
EBITDA	3.58B	2.17B	1.28B	1.15B	1.30B	1.23B
Net Income	2.04B	1.08B	516.08M	536.04M	655.68M	647.69M
Balance Sheet
Total Assets	78.66B	74.18B	70.03B	67.58B	66.79B	61.92B
Cash, Cash Equivalents and Short-Term Investments	4.84B	3.98B	3.40B	11.79B	12.59B	11.23B
Total Debt	6.47B	4.34B	3.72B	3.43B	1.82B	2.16B
Total Liabilities	69.86B	66.76B	63.42B	61.51B	61.18B	57.06B
Stockholders Equity	8.53B	7.21B	6.43B	5.90B	5.54B	4.85B
Cash Flow
Free Cash Flow	2.18B	1.36B	-578.42M	-872.23M	994.26M	1.65B
Operating Cash Flow	2.45B	1.66B	-324.60M	-637.71M	1.24B	1.86B
Investing Cash Flow	-738.20M	-541.09M	-269.12M	-253.47M	-240.94M	-440.12M
Financing Cash Flow	212.78M	-547.84M	104.00M	189.97M	-541.82M	30.23M

Menora Miv Hld Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 39000.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

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 41585.00, above the 50-day MA of 38767.60, and above the 200-day MA of 28281.20, indicating a neutral trend. The MACD of 292.03 indicates Positive momentum. The RSI at 48.57 is Neutral, neither overbought nor oversold. The STOCH value of 31.03 is Neutral, 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PHOE	79 Outperform	35.59B	11.66	―	4.19%	12.22%	71.58%
MMHD	79 Outperform	24.83B	12.10	―	2.61%	23.28%	124.99%
HARL	76 Outperform	26.37B	11.00	23.23%	2.21%	5.84%	138.80%
MGDL	70 Outperform	17.02B	12.22	―	0.30%	6.00%	36.33%
IDIN	69 Neutral	3.62B	10.52	―	5.98%	19.48%	53.61%
CLIS	69 Neutral	16.88B	8.96	―	1.67%	-27.87%	229.49%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%