Menif - Financial Services Ltd. (IL:MNIF)
TASE:MNIF
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Menif
(TASE:MNIF)
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Rating:58Neutral
Price Target:
2,502.00
▲(0.16% Upside)
Action:Reiterated
Date:06/08/26
The score is held back primarily by balance-sheet leverage and inconsistent cash generation despite strong reported growth/profitability. Technicals are also weak with bearish momentum and the stock trading below key moving averages, partially offset by a low P/E and high dividend yield that support valuation.
Positive Factors
Revenue Growth Trend
Sustained, accelerating revenue growth indicates expanding market penetration and demand for the company's credit services. Over 2–6 months this supports scalable revenue base, improves operating leverage potential, and provides a larger platform to absorb costs and fund strategic investments.
Negative Factors
Heavy Balance-Sheet Leverage
Very high debt-to-equity materially increases sensitivity to rising funding costs or tighter credit markets, reducing strategic flexibility. Over months this elevates refinancing risk, limits capacity for opportunistic investments, and can force deleveraging actions that impair growth.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth Trend
Sustained, accelerating revenue growth indicates expanding market penetration and demand for the company's credit services. Over 2–6 months this supports scalable revenue base, improves operating leverage potential, and provides a larger platform to absorb costs and fund strategic investments.
Read all positive factors
Menif (MNIF) vs. iShares MSCI Israel ETF (EIS)
Market Cap
₪1.42B
Dividend Yield4.19%
Average Volume (3M)71.44K
Price to Earnings (P/E)7.3
Beta (1Y)1.31
Revenue Growth20.21%
EPS Growth21.17%
CountryIL
Employees7
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)3.20
Shares Outstanding61,206,795
10 Day Avg. Volume55,098
30 Day Avg. Volume71,438
Financial Highlights & Ratios
PEG Ratio0.35
Price to Book (P/B)2.15
Price to Sales (P/S)2.78
P/FCF Ratio6.48
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Menif Business Overview & Revenue Model
Company Description
Established in 1999 and based in Ramat Gan, Israel, Menif - Financial Services Ltd specializes in providing equity-related mezzanine financing. The company extends these financial services to developers and contractors operating within the constru...
Menif Financial Statement Overview
Summary
Income Statement
86
Very Positive
Balance Sheet
48
Neutral
Cash Flow
27
Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 537.99M | 532.95M | 423.29M | 331.91M | 183.94M | 122.05M |
| Gross Profit | 362.42M | 530.88M | 229.40M | 180.44M | 128.34M | 92.20M |
| EBITDA | 304.10M | 469.16M | 198.06M | 163.25M | 122.31M | 74.09M |
| Net Income | 194.68M | 186.22M | 151.88M | 124.42M | 92.92M | 55.17M |
Balance Sheet | ||||||
| Total Assets | 3.84B | 3.75B | 3.22B | 2.60B | 2.01B | 1.10B |
| Cash, Cash Equivalents and Short-Term Investments | 21.24M | 42.27M | 25.43M | 22.10M | 21.09M | 31.80M |
| Total Debt | 3.09B | 2.99B | 2.59B | 2.11B | 1.64B | 765.45M |
| Total Liabilities | 3.13B | 3.06B | 2.66B | 2.15B | 1.66B | 793.09M |
| Stockholders Equity | 705.85M | 689.86M | 562.25M | 450.00M | 351.19M | 301.54M |
Cash Flow | ||||||
| Free Cash Flow | -168.76M | 228.79M | -422.08M | -427.98M | -820.89M | -174.85M |
| Operating Cash Flow | -168.69M | 228.83M | -422.00M | -427.97M | -820.85M | -173.66M |
| Investing Cash Flow | -101.92M | -552.89M | -88.00K | -7.00K | -45.00K | -1.18M |
| Financing Cash Flow | 202.90M | 340.90M | 425.41M | 428.99M | 810.17M | 176.93M |
Menif Technical Analysis
Negative
2498.00
Price Trends
2623.10
Negative
2571.82
Negative
2353.07
Negative
Market Momentum
-97.55
Positive
37.90
Neutral
40.23
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IL:MNIF, the sentiment is Negative. The current price of 2498 is above the 20-day moving average (MA) of 2493.65, below the 50-day MA of 2623.10, and above the 200-day MA of 2353.07, indicating a bearish trend. The MACD of -97.55 indicates Positive momentum. The RSI at 37.90 is Neutral, neither overbought nor oversold. The STOCH value of 40.23 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IL:MNIF.
Menif Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
69 Neutral | ₪1.59B | 6.66 | ― | 6.49% | 34.45% | 44.28% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | ₪1.73B | 11.61 | ― | 5.03% | -5.73% | 29.37% | |
62 Neutral | ₪660.63M | 12.01 | ― | 1.53% | 5.95% | -3.63% | |
60 Neutral | ₪722.88M | 10.06 | ― | 5.35% | 11.65% | 21.57% | |
58 Neutral | ₪1.42B | 7.25 | ― | 4.19% | 20.21% | 21.17% | |
57 Neutral | ₪667.22M | 7.99 | ― | ― | 28.26% | 15.92% |
* Financial Sector Average
IL:MNIF
Menif
2,349.00
238.89
11.32%
IL:NAWI
Nawi
4,910.00
-802.73
-14.05%
IL:PEN
Peninsula Group
332.60
80.25
31.80%
IL:DIFI
Direct Finance
58,850.00
9,030.96
18.13%
IL:MCLL
Michlol Fin
1,340.00
170.00
14.53%
IL:JCFN
Jacob Finance & Investments Ltd.
2,748.00
-583.59
-17.52%
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.