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Menora Mivtachim Holdings Ltd. (IL:MMHD)
:MMHD
Israel Market
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Menora Miv Hld (MMHD) AI Stock Analysis

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IL:MMHD

Menora Miv Hld

(MMHD)

Rating:73Outperform
Price Target:
34,454.00
▲(7.37% Upside)
Menora Miv Hld's strong financial performance and bullish technical indicators are the primary drivers of its stock score. The company's robust revenue and profit growth, along with efficient cost management, underpin its financial health. However, the technical indicators suggest potential overbought conditions, and the valuation raises concerns due to an unusually high dividend yield. Investors should be cautious of these factors.

Menora Miv Hld (MMHD) vs. iShares MSCI Israel ETF (EIS)

Menora Miv Hld Business Overview & Revenue Model

Company DescriptionMenora 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 MoneyMenora Miv Hld (MMHD) generates revenue through a diverse array of financial services. The company's primary revenue streams include premiums collected from various insurance products such as life, health, and property insurance. Additionally, MMHD earns income through the management fees associated with its asset management services, including pension funds, provident funds, and mutual funds. Investment income from the company's portfolio of assets also contributes significantly to its earnings. Strategic partnerships with financial institutions and expansion into new markets further bolster its revenue potential.

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
85
Very Positive
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
78
Positive
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
70
Positive
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.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue12.68B14.78B12.57B5.88B12.99B9.33B
Gross Profit12.68B14.65B12.57B5.88B12.99B9.33B
EBITDA3.00B2.17B1.03B971.60M1.24B1.16B
Net Income1.66B1.08B514.38M533.79M655.68M647.69M
Balance Sheet
Total Assets69.30B74.18B70.03B67.58B66.79B61.92B
Cash, Cash Equivalents and Short-Term Investments3.96B3.98B3.40B11.79B12.59B11.23B
Total Debt4.73B4.34B3.72B3.43B1.82B2.16B
Total Liabilities62.58B66.76B63.42B61.51B61.18B57.06B
Stockholders Equity6.53B7.21B6.43B5.90B5.54B4.85B
Cash Flow
Free Cash Flow1.71B1.36B-578.42M-872.23M994.26M1.65B
Operating Cash Flow1.98B1.66B-324.60M-637.71M1.24B1.86B
Investing Cash Flow-440.08M-541.09M-269.12M-253.47M-240.94M-440.12M
Financing Cash Flow-452.98M-547.84M104.00M189.97M-541.82M30.23M

Menora Miv Hld Technical Analysis

Technical Analysis Sentiment
Positive
Last Price32090.00
Price Trends
50DMA
29700.20
Positive
100DMA
24786.60
Positive
200DMA
20448.91
Positive
Market Momentum
MACD
924.72
Positive
RSI
59.98
Neutral
STOCH
41.96
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IL:MMHD, the sentiment is Positive. The current price of 32090 is above the 20-day moving average (MA) of 31211.50, above the 50-day MA of 29700.20, and above the 200-day MA of 20448.91, indicating a bullish trend. The MACD of 924.72 indicates Positive momentum. The RSI at 59.98 is Neutral, neither overbought nor oversold. The STOCH value of 41.96 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IL:MMHD.

Menora Miv Hld Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
77
Outperform
29.32B10.71
4.17%18.37%92.33%
73
Outperform
20.45B12.23
2.14%28.29%74.13%
73
Outperform
13.86B9.75
2.18%
69
Neutral
12.46B14.19
0.44%-16.50%29.61%
68
Neutral
$18.06B11.9710.24%3.74%9.75%1.30%
$6.97B3.9719.01%
65
Neutral
3.40B10.59
6.58%24.23%48.82%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IL:MMHD
Menora Miv Hld
32,780.00
22,684.93
224.71%
IL:CLIS
Clal Insurance
17,310.00
11,692.27
208.13%
HAHRF
Harel
9.45
0.00
0.00%
IL:MGDL
Migdal Insur.
1,178.00
715.21
154.54%
IL:PHOE
Phoenix
11,480.00
7,856.31
216.80%
IL:IDIN
Idi Insur
23,000.00
11,897.80
107.17%

Menora Miv Hld Corporate Events

Menora Miv Hld Subsidiary Receives Court Approval to Withdraw from Class Action
Feb 17, 2025

Menora Miv Hld announced that its subsidiary, Menora Mivtachim Pension and Provident Ltd., had received court approval to withdraw from a class action claim. The lawsuit involved index-linked loans from the pension fund managed by the subsidiary, where the repayment amounts were allegedly miscalculated. The Regional Court approved the withdrawal, granting compensation to the plaintiffs and their attorneys in a minor amount, resolving the legal issue without significant financial impact on the company.

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.Date of analysis: Jul 28, 2025