Menif - Financial Services Ltd. (IL:MNIF)
TASE:MNIF
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Menif
(TASE:MNIF)
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Rating:66Neutral
Price Target:
2,832.00
▲(13.37% Upside)
Action:DowngradedDate:03/24/26
The score is primarily held back by financial risk—very high leverage and historically weak/volatile cash flow despite strong reported growth and 2025 profitability. Offsetting this, the stock shows a constructive technical uptrend and looks inexpensive on P/E with a high dividend yield.
Positive Factors
Revenue Scaling
Sustained top-line scaling from 98M to 533M across 2020–2025 indicates durable demand expansion and successful commercial execution. A growing revenue base improves the company's ability to absorb fixed costs, invest in product/service expansion, and provide a platform for longer-term margin and cash generation improvements.
Negative Factors
Very High Leverage
Extremely elevated leverage and a 4.34 debt-to-equity ratio materially increase refinancing and interest-rate sensitivity. Over a multi-month horizon, high debt magnifies downside from earnings volatility, constrains strategic optionality, and raises the risk of covenant pressure or costly capital raises if cash generation falters.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Scaling
Sustained top-line scaling from 98M to 533M across 2020–2025 indicates durable demand expansion and successful commercial execution. A growing revenue base improves the company's ability to absorb fixed costs, invest in product/service expansion, and provide a platform for longer-term margin and cash generation improvements.
Read all positive factors
Menif (MNIF) vs. iShares MSCI Israel ETF (EIS)
Market Cap
₪1.55B
Dividend Yield4.19%
Average Volume (3M)71.44K
Price to Earnings (P/E)6.9
Beta (1Y)1.25
Revenue Growth25.72%
EPS Growth21.70%
CountryIL
Employees7
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)77.90
Shares Outstanding61,200,720
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
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 Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
44
Neutral
Cash Flow
32
Negative
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 532.95M | 423.29M | 331.91M | 183.94M | 122.05M |
| Gross Profit | 530.88M | 229.40M | 180.44M | 128.34M | 92.20M |
| EBITDA | 469.16M | 198.06M | 163.25M | 122.31M | 74.09M |
| Net Income | 186.22M | 151.88M | 124.42M | 92.92M | 55.17M |
Balance Sheet | |||||
| Total Assets | 3.75B | 3.22B | 2.60B | 2.01B | 1.10B |
| Cash, Cash Equivalents and Short-Term Investments | 42.27M | 25.43M | 22.10M | 21.09M | 31.80M |
| Total Debt | 2.99B | 2.59B | 2.11B | 1.64B | 765.45M |
| Total Liabilities | 3.06B | 2.66B | 2.15B | 1.66B | 793.09M |
| Stockholders Equity | 689.86M | 562.25M | 450.00M | 351.19M | 301.54M |
Cash Flow | |||||
| Free Cash Flow | 228.79M | -422.08M | -427.98M | -820.89M | -174.85M |
| Operating Cash Flow | 228.83M | -422.00M | -427.97M | -820.85M | -173.66M |
| Investing Cash Flow | -552.89M | -88.00K | -7.00K | -45.00K | -1.18M |
| Financing Cash Flow | 340.90M | 425.41M | 428.99M | 810.17M | 176.93M |
Menif Technical Analysis
Neutral
2498.00
Price Trends
2560.60
Negative
2459.38
Positive
2280.01
Positive
Market Momentum
-23.80
Positive
46.67
Neutral
43.04
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IL:MNIF, the sentiment is Neutral. The current price of 2498 is below the 20-day moving average (MA) of 2590.09, below the 50-day MA of 2560.60, and above the 200-day MA of 2280.01, indicating a neutral trend. The MACD of -23.80 indicates Positive momentum. The RSI at 46.67 is Neutral, neither overbought nor oversold. The STOCH value of 43.04 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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 |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ₪1.55B | 6.95 | ― | 4.19% | 25.72% | 21.70% | |
64 Neutral | ₪716.63M | 10.01 | ― | ― | 29.67% | 15.36% | |
62 Neutral | ₪590.19M | 11.91 | ― | 5.35% | 25.73% | 45.19% | |
58 Neutral | ₪688.68M | 11.79 | ― | 1.53% | ― | ― | |
55 Neutral | ₪1.69B | ― | ― | 6.49% | 33.06% | 59.60% | |
52 Neutral | ₪1.58B | 12.34 | ― | 5.03% | 0.10% | 15.03% |
* Financial Sector Average
IL:MNIF
Menif
2,529.00
958.33
61.01%
IL:NAWI
Nawi
5,170.00
949.82
22.51%
IL:PEN
Peninsula Group
264.40
63.23
31.43%
IL:DIFI
Direct Finance
53,530.00
2,208.73
4.30%
IL:MCLL
Michlol Fin
1,399.00
305.00
27.88%
IL:JCFN
Jacob Finance & Investments Ltd.
2,915.00
469.00
19.17%
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.