Menora Miv Hld (MMHD) AI Stock Analysis

• Market Cap: 18.46B
• Dividend Yield: 331.97%
• Average Volume (3M): 123.91K
• Price to Earnings (P/E): 15.0
• Beta (1Y): 1.42
• Revenue Growth: -2.35%
• EPS Growth: 80.26%
• Country: IL
• Employees: 3,716
• Sector: Financial
• Sector Strength: 76
• Industry: Insurance - Diversified
• EPS (TTM): 620.10
• Shares Outstanding: 62,372,036
• 10 Day Avg. Volume: 103,177
• 30 Day Avg. Volume: 123,912
• PEG Ratio: 1.11
• Price to Book (P/B): 2.28
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 26.41
• 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

• Rating: 72 Outperform
• Price Target: 27,817.00 ▼(-7.31%Downside)

Menora Miv Hld exhibits strong financial performance with solid revenue growth and profitability, which is the main driver of its score. Technical indicators show strong bullish momentum, though caution is advised due to overbought signals. The valuation is reasonable, offering both growth and income potential.

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 the sale of insurance products, including life insurance policies and pension plans. Premiums collected from policyholders form a significant portion of its income. Additionally, the company invests these premiums in various financial instruments, such as stocks, bonds, and real estate, to generate investment income. MMHD may also earn fees from asset management services offered to clients, further bolstering its revenue streams. Strategic partnerships with other financial institutions and a strong distribution network contribute to expanding its customer base and enhancing profitability.

Menora Miv Hld Financial Statement Overview

Summary

Menora Miv Hld's financials reflect strong revenue growth and profitability, supported by a robust balance sheet. The company has shown resilience, particularly in the latest year, with improved cash flow metrics. While profitability and equity utilization are strengths, cash flow management and potential leverage increases are areas to watch.

Income Statement

Menora Miv Hld has demonstrated strong revenue growth, with Total Revenue increasing from 2023 to 2024. The Gross Profit and Net Profit Margins are healthy, indicating efficient cost management and profitability. The EBIT and EBITDA margins are also strong, reflecting robust operational performance. However, previous periods show fluctuations, which could indicate potential volatility.

Balance Sheet

The company's balance sheet shows a solid equity base with a moderate Debt-to-Equity Ratio, indicating manageable leverage. The Return on Equity is impressive, showcasing effective utilization of shareholders' equity. The Equity Ratio is stable, reflecting a well-capitalized position. However, any significant rise in debt could pose future risks.

Cash Flow

Cash flow performance has improved in the recent year, with positive free cash flow and operating cash flow. The Free Cash Flow to Net Income ratio is healthy, suggesting good cash conversion. However, previous years exhibited negative cash flow, signaling potential liquidity management issues that need monitoring.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	12.37B	14.78B	12.57B	5.88B	12.99B	9.33B
Gross Profit	12.37B	14.65B	12.57B	5.88B	12.99B	9.33B
EBITDA	2.24B	2.17B	1.03B	971.60M	1.24B	1.16B
Net Income	1.22B	1.08B	514.38M	533.79M	655.68M	647.69M
Balance Sheet
Total Assets	72.80B	74.18B	70.03B	67.58B	66.79B	61.92B
Cash, Cash Equivalents and Short-Term Investments	4.18B	3.98B	3.40B	11.79B	12.59B	11.23B
Total Debt	4.96B	3.57B	3.72B	3.43B	1.82B	2.16B
Total Liabilities	64.92B	66.76B	63.42B	61.51B	61.18B	57.06B
Stockholders Equity	7.67B	7.21B	6.43B	5.90B	5.54B	4.85B
Cash Flow
Free Cash Flow	662.10M	1.36B	-578.42M	-872.23M	994.26M	1.65B
Operating Cash Flow	937.82M	1.66B	-324.60M	-637.71M	1.24B	1.86B
Investing Cash Flow	-665.99M	-541.09M	-269.12M	-253.47M	-240.94M	-440.12M
Financing Cash Flow	-211.24M	-547.84M	104.00M	189.97M	-541.82M	30.23M

Menora Miv Hld Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 30010.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Negative
• STOCH: 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 30010 is above the 20-day moving average (MA) of 27848.50, above the 50-day MA of 23278.20, and above the 200-day MA of 17436.81, indicating a bullish trend. The MACD of 1782.77 indicates Positive momentum. The RSI at 72.22 is Negative, neither overbought nor oversold. The STOCH value of 71.49 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MMHD	72 Outperform	18.46B	15.01		331.97%	-2.35%	80.26%
PHOE	72 Outperform	28.57B	13.29		372.73%	-11.69%	105.99%
CLIS	70 Outperform	13.27B	12.17		226.42%	―	―
MGDL	70 Outperform	10.67B	13.88		75.23%	-16.50%	29.61%
Sector *	68 Neutral	$16.93B	11.67	9.79%	3.89%	11.83%	-7.56%
HAHRF	―	$6.38B	6.29	12.96%	1.00%	―	―
IDIN	70 Outperform	2.93B	9.81		747.91%	25.90%	68.30%

Menora Miv Hld Corporate Events

Menora Miv Hld Subsidiary Receives Court Approval to Withdraw from Class Action

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.