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Menif - Financial Services Ltd. (IL:MNIF)
TASE:MNIF
Israel Market

Menif (MNIF) Price & Analysis

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MNIF Stock Chart & Stats

2498.00
0.27(1.58%)
At close: 4:00 PM EST
2498.00
0.27(1.58%)

Bulls Say, Bears Say

Bulls Say
Revenue ScalingRevenue expanded materially from 98M in 2020 to 533M in 2025 with ~25.9% reported growth. Sustained top-line scaling indicates product-market fit and expanding market penetration, improving fixed-cost absorption and long-term operating leverage if growth continues.
Strong Returns On EquityROE near 26–28% across 2022–2025 and rising net income (186M in 2025) show the business generates high returns on its equity base. Durable high ROE implies efficient capital allocation and supports capacity for reinvestment or distributions if earnings are maintained.
Cash Flow Turnaround In 2025Operating cash flow and free cash flow both turned positive in 2025 at 229M, reversing multi-year outflows. A sustained cash-flow recovery would materially improve debt servicing, enable deleveraging and fund capex or dividends without relying on external financing.
Bears Say
Very High LeverageTotal debt escalated from 556M (2020) to 2.99B in 2025 with debt-to-equity around 4.34. This very high leverage magnifies sensitivity to interest rates and refinancing risk, constrains strategic flexibility and elevates solvency risk if earnings or cash flows deteriorate.
Volatile Cash GenerationOperating cash flow was negative across 2020–2024 with a large 2022 outflow and only turned positive in 2025; free cash flow growth was highly erratic. This multi-year volatility in cash conversion undermines confidence in sustained self-funding and elevates refinancing and liquidity risk.
Unstable Margin QualityMargins swung to unusually high 2025 levels (gross ~99%, EBIT ~88%) from roughly 54% in prior years, signaling significant volatility. Large margin swings suggest one-offs or non-recurring drivers, reducing visibility into sustainable profitability and future free cash flow.

MNIF FAQ

What was Menif - Financial Services Ltd.’s price range in the past 12 months?
Menif - Financial Services Ltd. lowest stock price was 1417.02 and its highest was 2816.12 in the past 12 months.
    What is Menif - Financial Services Ltd.’s market cap?
    Menif - Financial Services Ltd.’s market cap is ₪1.56B.
      When is Menif - Financial Services Ltd.’s upcoming earnings report date?
      Menif - Financial Services Ltd.’s upcoming earnings report date is May 12, 2026 which is in 46 days.
        How were Menif - Financial Services Ltd.’s earnings last quarter?
        Menif - Financial Services Ltd. released its earnings results on Nov 17, 2025. The company reported 77.9 earnings per share for the quarter, beating the consensus estimate of N/A by 77.9.
          Is Menif - Financial Services Ltd. overvalued?
          According to Wall Street analysts Menif - Financial Services Ltd.’s price is currently Overvalued. Get more investment ideas with TipRanks Premium
            Does Menif - Financial Services Ltd. pay dividends?
            Menif - Financial Services Ltd. pays a Quarterly dividend of 36.112 which represents an annual dividend yield of 4.19%. See more information on Menif - Financial Services Ltd. dividends here
              What is Menif - Financial Services Ltd.’s EPS estimate?
              Menif - Financial Services Ltd.’s EPS estimate for its next earnings report is not yet available.
              How many shares outstanding does Menif - Financial Services Ltd. have?
              Menif - Financial Services Ltd. has 61,200,720 shares outstanding.
                What happened to Menif - Financial Services Ltd.’s price movement after its last earnings report?
                Menif - Financial Services Ltd. reported an EPS of 77.9 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 6.542%.
                  Which hedge fund is a major shareholder of Menif - Financial Services Ltd.?
                  Currently, no hedge funds are holding shares in IL:MNIF
                  What is the TipRanks Smart Score and how is it calculated?
                  Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

                    Company Description

                    Menif - Financial Services Ltd.

                    Menif - Financial Services Ltd provides mezzanine financing for equity to promoters and contractors in the construction sector in Israel and internationally. The company was founded in 1999 and is based in Ramat Gan, Israel.

                    Menif (MNIF) Earnings & Revenues

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