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

Menif (MNIF) AI Stock Analysis

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IL

Menif

(MNIF)

Rating:78Outperform
Price Target:
2,770.00
▲(47.11%Upside)
Menif's strong financial performance and bullish technical indicators drive the stock's appeal, reinforced by its undervaluation and high dividend yield. However, high leverage and negative cash flow pose risks that warrant careful monitoring.

Menif (MNIF) vs. iShares MSCI Israel ETF (EIS)

Menif Business Overview & Revenue Model

Company DescriptionMenif - 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 shows strong revenue growth and profitability, with robust gross and net profit margins. However, high debt levels and negative cash flows raise financial stability concerns, necessitating careful debt and cash flow management.
Income Statement
85
Very Positive
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
70
Positive
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
60
Neutral
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.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue401.77M423.29M189.40M183.12M120.50M98.16M
Gross Profit243.49M229.40M180.44M127.52M90.66M82.11M
EBITDA207.60M198.06M163.25M122.31M74.09M17.62M
Net Income158.96M151.88M124.42M92.92M55.17M8.12M
Balance Sheet
Total Assets3.47B3.22B2.60B2.01B1.10B838.29M
Cash, Cash Equivalents and Short-Term Investments20.25M25.43M22.10M21.09M31.80M29.71M
Total Debt2.84B2.59B2.11B1.64B765.45M555.82M
Total Liabilities2.88B2.66B2.15B1.66B793.09M573.06M
Stockholders Equity587.37M562.25M450.00M351.19M301.54M264.46M
Cash Flow
Free Cash Flow-441.75M-422.08M-427.98M-820.89M-174.85M-252.23M
Operating Cash Flow-441.69M-422.00M-427.97M-820.85M-173.66M-252.23M
Investing Cash Flow-62.00K-88.00K-7.00K-45.00K-1.18M0.00
Financing Cash Flow442.33M425.41M428.99M810.17M176.93M279.98M

Menif Technical Analysis

Technical Analysis Sentiment
Positive
Last Price1883.00
Price Trends
50DMA
2193.50
Positive
100DMA
1979.68
Positive
200DMA
1763.59
Positive
Market Momentum
MACD
93.52
Negative
RSI
56.35
Neutral
STOCH
60.81
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 2330.40, below the 50-day MA of 2193.50, and above the 200-day MA of 1763.59, indicating a bullish trend. The MACD of 93.52 indicates Negative momentum. The RSI at 56.35 is Neutral, neither overbought nor oversold. The STOCH value of 60.81 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

Overall Rating
UnderperformOutperform
Sector (58)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
80
Outperform
633.57M12.50
1.55%
80
Outperform
779.07M11.37
78
Outperform
1.47B9.12
7.62%24.68%21.90%
ILPEN
73
Outperform
744.20M12.66
5.65%9.30%-0.76%
72
Outperform
2.04B12.33
4.26%
69
Neutral
1.66B14.42
3.30%14.62%-12.09%
58
Neutral
HK$90.78B5.10-3.21%5.32%7.36%-55.21%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IL:MNIF
Menif
2,410.00
1,360.27
129.58%
IL:PEN
Peninsula Group
340.00
199.07
141.25%
IL:DIFI
Direct Finance
55,760.00
7,237.00
14.91%
IL:MCLL
Michlol Fin
1,535.00
1,010.41
192.61%
IL:NAWI
Nawi
6,429.00
3,906.41
154.86%
IL:JCFN
Jacob Finance & Investments Ltd.
3,400.00
1,978.00
139.10%

Menif Corporate Events

Menif Financial Services to Release 2024 Financial Report and Host Investor Call
Feb 17, 2025

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.

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: Jun 27, 2025