Menora Miv Hld (MMHD) AI Stock Analysis

• Market Cap: 17.88B
• Dividend Yield: 4%
• Average Volume (3M): 94.83K
• Price to Earnings (P/E): 10.7
• Beta (1Y): 1.44
• Revenue Growth: 28.29%
• EPS Growth: 74.13%
• Country: IL
• Employees: 3,716
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Diversified
• EPS (TTM): 1188.80
• Shares Outstanding: 62,375,896
• 10 Day Avg. Volume: 105,451
• 30 Day Avg. Volume: 94,833
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• 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: 32,648.00
• Price Target Upside: 13.88% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0

• Rating: 75 Outperform
• Price Target: 32,648.00 ▲(13.88% Upside)

Menora Miv Hld's overall stock score reflects its strong financial performance and attractive valuation. The company's robust revenue and profit growth, coupled with efficient cost management, are significant strengths. The low P/E ratio and solid dividend yield further enhance its appeal. However, technical indicators suggest caution due to potential bearish trends, which slightly offset the positive financial and valuation aspects.

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 (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

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	12.68B	14.78B	12.57B	5.88B	12.99B	9.33B
Gross Profit	12.68B	14.65B	12.57B	5.88B	12.99B	9.33B
EBITDA	3.00B	2.17B	1.03B	971.60M	1.24B	1.16B
Net Income	1.66B	1.08B	514.38M	533.79M	655.68M	647.69M
Balance Sheet
Total Assets	69.30B	74.18B	70.03B	67.58B	66.79B	61.92B
Cash, Cash Equivalents and Short-Term Investments	3.96B	3.98B	3.40B	11.79B	12.59B	11.23B
Total Debt	4.73B	4.34B	3.72B	3.43B	1.82B	2.16B
Total Liabilities	62.58B	66.76B	63.42B	61.51B	61.18B	57.06B
Stockholders Equity	6.53B	7.21B	6.43B	5.90B	5.54B	4.85B
Cash Flow
Free Cash Flow	1.71B	1.36B	-578.42M	-872.23M	994.26M	1.65B
Operating Cash Flow	1.98B	1.66B	-324.60M	-637.71M	1.24B	1.86B
Investing Cash Flow	-440.08M	-541.09M	-269.12M	-253.47M	-240.94M	-440.12M
Financing Cash Flow	-452.98M	-547.84M	104.00M	189.97M	-541.82M	30.23M

Menora Miv Hld Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 28670.00
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: 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 28670 is below the 20-day moving average (MA) of 30651.77, below the 50-day MA of 29826.46, and above the 200-day MA of 21022.89, indicating a neutral trend. The MACD of -380.48 indicates Positive momentum. The RSI at 42.87 is Neutral, neither overbought nor oversold. The STOCH value of 14.82 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PHOE	77 Outperform	27.31B	10.02	15.26%	4.41%	18.37%	92.33%
MMHD	75 Outperform	17.88B	10.69	―	4.00%	28.29%	74.13%
CLIS	73 Outperform	12.20B	8.58	14.86%	2.48%	―	―
HARL	71 Outperform	20.27B	10.53	17.32%	3.20%	16.52%	108.70%
MGDL	69 Neutral	10.94B	12.45	9.76%	0.50%	24.69%	-28.38%
IDIN	63 Neutral	2.86B	8.90	26.00%	7.83%	24.23%	48.82%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%