Menora Miv Hld (MMHD) AI Stock Analysis

• Market Cap: ₪28.72B
• Dividend Yield: 2.61%
• Average Volume (3M): 97.70K
• Price to Earnings (P/E): 8.6
• Beta (1Y): 1.67
• 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: 62,466,206
• 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: 71 Outperform
• Price Target: 48,620.00 ▲(24.67% Upside)
• Action: Reiterated Date: 01/13/26
• Date: Action: Reiterated 01/13/26

The score is driven primarily by improved TTM profitability and strong free cash flow, tempered by revenue decline, rising leverage, and historically inconsistent cash flows. Valuation is supportive (P/E ~12.1 and ~2.94% yield), while technicals are mixed with weaker near-term momentum despite a positive MACD.

Positive Factors

Improved profitability and margins

A meaningful TTM jump in net income and net margin provides a larger earnings buffer against underwriting cycles and investment volatility. Elevated margins improve retained earnings and internal capital for reinvestment, supporting sustainable dividend and reserve funding if maintained.

Negative Factors

Top-line decline

A nearly 10% TTM revenue decline signals potential demand, pricing, or new‑business headwinds that can erode scale and long‑run growth. Even with margin gains, sustained top‑line weakness would pressure premium growth, constrain cross‑sell opportunities and limit long‑term earnings expansion.

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 insuranc...

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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 insuranc...

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 f...

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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 f...

Menora Miv Hld Financial Statement Overview

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: Negative
• 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 49248.50, below the 50-day MA of 46173.60, and above the 200-day MA of 35702.01, indicating a neutral trend. The MACD of 275.56 indicates Positive momentum. The RSI at 45.02 is Neutral, neither overbought nor oversold. The STOCH value of 40.96 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
MMHD	71 Outperform	₪28.72B	8.61	―	2.61%	23.28%	124.99%
MGDL	69 Neutral	₪18.32B	5.63	―	0.30%	6.00%	36.33%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CLIS	67 Neutral	₪18.20B	5.72	―	1.67%	-27.87%	229.49%
HARL	66 Neutral	₪36.55B	12.16	23.23%	2.21%	5.84%	138.80%
PHOE	65 Neutral	₪40.24B	9.63	―	4.19%	12.22%	71.58%
IDIN	60 Neutral	₪3.15B	9.13	―	5.98%	19.48%	53.61%