Menif (MNIF) AI Stock Analysis

• Market Cap: 1.16B
• Dividend Yield: 4.58%
• Average Volume (3M): 75.47K
• Price to Earnings (P/E): 6.9
• Beta (1Y): 1.36
• Revenue Growth: 24.31%
• EPS Growth: 21.51%
• Country: IL
• Employees: 7
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 71.40
• Shares Outstanding: 60,920,944
• 10 Day Avg. Volume: 95,712
• 30 Day Avg. Volume: 75,471
• 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: 2,386.00
• Price Target Upside: 25.65% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 70 Outperform
• Price Target: 2,386.00 ▲(25.65% Upside)

Menif's strong financial performance, particularly in revenue and profit growth, is a key strength. However, high leverage and negative cash flows are significant risks. The stock's attractive valuation with a low P/E ratio and high dividend yield adds to its appeal, while mixed technical indicators suggest caution.

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 generates revenue through multiple streams, primarily from direct sales of its eco-friendly products via its online platform and retail partnerships. The company also benefits from a subscription model, where customers can subscribe for regular deliveries of essential items at a discounted rate. Additionally, Menif has established partnerships with various retailers and eco-conscious brands, allowing for collaborative marketing efforts and expanded distribution. The growing demand for sustainable products further enhances Menif's earnings potential, as more consumers prioritize eco-friendly options in their purchasing decisions.

Menif Financial Statement Overview

Summary

Menif demonstrates strong revenue and profit growth, with a significant increase in revenue and improved profit margins. However, high leverage and negative cash flows present potential risks, indicating a need for better cash flow management and debt reduction.

Income Statement

Menif has demonstrated strong revenue growth, with a significant increase from $189.4M in 2023 to $423.3M in 2024, marking a 123.5% growth rate. The gross profit margin improved to 54.2% in 2024, indicating efficient cost management. The net profit margin also increased to 35.9%, reflecting enhanced profitability. However, the EBIT and EBITDA margins, at 46.7% and 46.8% respectively, suggest room for improvement in operational efficiency.

Balance Sheet

The company's debt-to-equity ratio is high at 4.60, indicating significant leverage, which could pose financial risk. However, the return on equity improved to 27.0%, showcasing effective use of equity to generate profits. The equity ratio stands at 17.5%, suggesting a relatively low proportion of equity financing compared to total assets, which may limit financial flexibility.

Cash Flow

Menif's cash flow situation is concerning, with negative free cash flow of -$422.1M in 2024, although it slightly improved from -$428.0M in 2023. The operating cash flow to net income ratio is negative, indicating that net income is not translating into positive cash flow. The free cash flow to net income ratio is also negative, highlighting potential liquidity issues.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	473.50M	423.29M	189.40M	183.12M	120.50M	98.16M
Gross Profit	257.51M	229.40M	180.44M	127.52M	90.66M	82.11M
EBITDA	216.48M	198.06M	163.25M	122.31M	74.09M	17.62M
Net Income	165.85M	151.88M	124.42M	92.92M	55.17M	8.12M
Balance Sheet
Total Assets	3.75B	3.22B	2.60B	2.01B	1.10B	838.29M
Cash, Cash Equivalents and Short-Term Investments	20.66M	25.43M	22.10M	21.09M	31.80M	29.71M
Total Debt	3.07B	2.59B	2.11B	1.64B	765.45M	555.82M
Total Liabilities	3.13B	2.66B	2.15B	1.66B	793.09M	573.06M
Stockholders Equity	622.68M	562.25M	450.00M	351.19M	301.54M	264.46M
Cash Flow
Free Cash Flow	-649.89M	-422.08M	-427.98M	-820.89M	-174.85M	-252.23M
Operating Cash Flow	-649.85M	-422.00M	-427.97M	-820.85M	-173.66M	-252.23M
Investing Cash Flow	-44.00K	-88.00K	-7.00K	-45.00K	-1.18M	0.00
Financing Cash Flow	636.96M	425.41M	428.99M	810.17M	176.93M	279.98M

Menif Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 1899.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• 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 Negative. The current price of 1899 is below the 20-day moving average (MA) of 2082.63, below the 50-day MA of 2183.04, and below the 200-day MA of 1945.56, indicating a bearish trend. The MACD of -73.26 indicates Positive momentum. The RSI at 32.05 is Neutral, neither overbought nor oversold. The STOCH value of 23.55 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
JCFN	80 Outperform	747.36M	9.76	0.00%	―	0.00%	0.00%
PEN	73 Outperform	651.92M	9.85	0.00%	6.14%	27.66%	46.91%
MNIF	70 Outperform	1.16B	6.89		4.58%	24.31%	21.51%
NAWI	66 Neutral	1.57B	9.59	17.20%	6.83%	0.00%	0.00%
DIFI	64 Neutral	1.36B	12.92	10.68%	5.42%	6.88%	-13.14%
MCLL	61 Neutral	578.42M	11.81	16.66%	1.73%	0.00%	0.00%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

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.