Menif (MNIF) AI Stock Analysis

• Market Cap: 1.33B
• Dividend Yield: 2.45%
• Average Volume (3M): 96.81K
• Price to Earnings (P/E): 8.6
• Beta (1Y): 1.29
• Revenue Growth: 27.52%
• EPS Growth: 22.38%
• Country: IL
• Employees: 7
• Sector: Financial
• Sector Strength: 75
• Industry: Financial - Credit Services
• EPS (TTM): 69.30
• Shares Outstanding: 60,900,097
• 10 Day Avg. Volume: 61,167
• 30 Day Avg. Volume: 96,812
• PEG Ratio: 1.44
• Price to Book (P/B): 2.29
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -3.02
• 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: 79 Outperform
• Price Target: 2,431.00 ▲(29.10%Upside)

Menif's stock scores well due to its strong valuation and positive technical indicators, suggesting potential undervaluation and bullish momentum. Despite robust profitability, the high leverage and negative cash flows are significant risk factors that temper the overall score.

Menif Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

Menif Financial Statement Overview

Summary

Menif demonstrates strong revenue growth and profitability, particularly evident in its income statement with a high net profit margin. However, high leverage and negative cash flows present potential risks, requiring careful management of debt and cash flow to sustain growth.

Income Statement

Menif's income statement reflects strong growth over the years with a significant revenue increase from 2023 to 2024. The gross profit margin is robust at around 54.2% for 2024, indicating efficient cost management. The net profit margin stands at about 35.9%, showcasing excellent profitability. The company has also improved its EBIT and EBITDA margins, reflecting a strong operational performance.

Balance Sheet

The balance sheet reveals a high debt-to-equity ratio due to significant total debt, which could pose financial risks. However, the company shows a healthy return on equity (ROE) of approximately 27.0% for 2024, indicating effective use of equity to generate profits. The equity ratio is relatively low at 17.5%, suggesting limited asset financing through equity.

Cash Flow

Menif's cash flow statement shows a consistent negative operating cash flow, which could impact liquidity. The free cash flow remains negative, raising concerns about the company's ability to fund operations and growth without additional financing. Despite this, the operating cash flow to net income ratio has improved slightly, indicating better alignment with profitability.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
423.29M	189.40M	183.12M	120.50M	98.16M
	Gross Profit
229.40M	180.44M	127.52M	90.66M	82.11M
	EBIT
197.56M	170.89M	121.97M	73.93M	17.53M
	EBITDA
198.06M	163.25M	122.31M	74.09M	17.62M
	Net Income Common Stockholders
151.88M	124.42M	92.92M	55.17M	8.12M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
25.43M	22.10M	21.09M	31.80M	29.71M
	Total Assets
3.22B	2.60B	2.01B	1.10B	838.29M
	Total Debt
2.59B	2.11B	1.64B	765.45M	555.82M
	Net Debt
2.56B	2.09B	1.61B	733.65M	526.11M
	Total Liabilities
2.66B	2.15B	1.66B	793.09M	573.06M
	Stockholders Equity
562.25M	450.00M	351.19M	301.54M	264.46M
Cash Flow		Free Cash Flow
-422.08M	-427.98M	-820.89M	-174.85M	-252.23M
	Operating Cash Flow
-422.00M	-427.97M	-820.85M	-173.66M	-252.23M
	Investing Cash Flow
-88.00K	-7.00K	-45.00K	-1.18M	0.00
	Financing Cash Flow
425.41M	428.99M	810.17M	176.93M	279.98M

Menif Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1883.00
• 50DMA: Positive
• 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:MNIF, the sentiment is Positive. The current price of 1883 is below the 20-day moving average (MA) of 2160.82, below the 50-day MA of 1984.35, and above the 200-day MA of 1676.32, indicating a bullish trend. The MACD of 33.61 indicates Positive momentum. The RSI at 54.61 is Neutral, neither overbought nor oversold. The STOCH value of 41.27 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IL:MNIF.

Menif Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
NICE	80 Outperform	$37.30B	22.32	13.40%	―	11.65%	25.43%
MNIF	79 Outperform	1.33B	8.65		2.45%	27.52%	22.38%
ILCO	71 Outperform	$8.47B	14.06	5.77%	0.62%	-4.29%	-24.35%
Sector *	64 Neutral	$12.73B	9.77	7.84%	78.17%	12.05%	-7.99%
TSEM	64 Neutral	$4.51B	21.57	7.88%	―	5.22%	-58.99%
ELCO	63 Neutral	4.56B	―		7.38%	9.65%	58.93%

Menif Corporate Events

Menif Financial Services to Release 2024 Financial Report and Host Investor Call

Menif – Financial Services Ltd. announced its plans to release its financial statements for December 31, 2024, on February 24, 2025. Accompanying the release, the company will conduct an investor call to discuss the results, signifying transparency and engagement with stakeholders. This move highlights the company’s commitment to maintaining open communication with investors and ensuring clarity in its financial operations.