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MORE PROVIDENT FUNDS LTD (IL:MPP)
:MPP
Israel Market

More Pension (MPP) AI Stock Analysis

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IL

More Pension

(MPP)

Rating:69Neutral
Price Target:
1,204.00
▲(33.64%Upside)
More Pension's stock presents a solid financial performance with robust growth and improved profitability metrics. The stock shows strong upward momentum, but technical indicators caution on overbought conditions. High valuation is counterbalanced by a decent dividend yield, offering a mixed outlook for investors.

More Pension (MPP) vs. iShares MSCI Israel ETF (EIS)

More Pension Business Overview & Revenue Model

Company DescriptionMore Pension (MPP) is a financial services company specializing in retirement planning and pension management. The company operates within the financial sector, providing a range of products and services aimed at helping individuals and businesses manage their retirement savings. Core offerings include pension fund management, retirement planning advice, and investment solutions tailored to the needs of different demographics and sectors.
How the Company Makes MoneyMore Pension (MPP) generates revenue through multiple streams, primarily through management fees charged on assets under management (AUM) in pension funds. These fees are typically a percentage of the total assets managed by the company. Additionally, MPP offers advisory services for retirement planning, earning fees for personalized financial advice provided to clients. The company may also generate revenue through partnerships with employers and financial institutions, offering tailored pension solutions that align with corporate employee benefits programs. MPP's earnings are further enhanced by investment performance fees, where the company earns additional income based on the successful management and growth of pension assets.

More Pension Financial Statement Overview

Summary
More Pension has shown robust growth and improved profitability metrics over recent years, with significant revenue increases and better profit margins. The balance sheet remains stable with a balanced debt-to-equity structure, though high liabilities warrant attention. Improving cash flow generation highlights better financial health, yet sustaining these improvements will be crucial for long-term stability.
Income Statement
85
Very Positive
More Pension has demonstrated strong revenue growth over recent years, with a significant increase from $24.2M in 2020 to $515.2M in 2024. The gross profit margin improved to 34.2% in 2024, reflecting better cost management. Net profit margin also improved to 9.6% in 2024, indicating increased profitability. However, the EBIT margin of 14.0% and EBITDA margin of 17.7% suggest room for operational efficiency improvements.
Balance Sheet
75
Positive
The company's balance sheet shows a moderate debt-to-equity ratio, reflecting a balanced capital structure. The equity ratio stands at 44.1%, indicating a stable level of equity financing. Return on equity improved to 22.3% in 2024, showcasing effective use of equity capital. However, high total liabilities of $281.3M could pose a risk if not managed carefully.
Cash Flow
70
Positive
Operating cash flow turned positive in 2024 at $25.9M, reflecting improved cash generation from core activities. Free cash flow also improved to $23.9M, indicating better cash management. The operating cash flow to net income ratio and free cash flow to net income ratio have improved but remain areas to watch for sustaining cash flow health.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue515.23M445.46M274.76M135.47M24.21M
Gross Profit176.00M223.73M113.13M51.16M1.28M
EBITDA91.18M73.77M17.73M1.71M-13.91M
Net Income49.57M39.30M7.70M-1.15M-11.50M
Balance Sheet
Total Assets503.45M505.75M513.06M232.99M66.66M
Cash, Cash Equivalents and Short-Term Investments31.40M181.08M153.80M80.54M9.85M
Total Debt187.16M201.65M201.56M111.51M22.00M
Total Liabilities281.31M270.44M317.35M187.19M57.01M
Stockholders Equity222.14M235.31M195.71M45.80M9.66M
Cash Flow
Free Cash Flow23.89M-54.26M-78.61M-50.74M-27.68M
Operating Cash Flow25.88M-48.13M-72.00M-45.59M-26.98M
Investing Cash Flow36.61M-56.48M-85.46M-5.52M-700.00K
Financing Cash Flow-79.29M-983.00K230.72M121.81M31.01M

More Pension Technical Analysis

Technical Analysis Sentiment
Positive
Last Price900.90
Price Trends
50DMA
817.18
Positive
100DMA
795.06
Positive
200DMA
711.65
Positive
Market Momentum
MACD
65.00
Negative
RSI
84.63
Negative
STOCH
77.11
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IL:MPP, the sentiment is Positive. The current price of 900.9 is above the 20-day moving average (MA) of 898.04, above the 50-day MA of 817.18, and above the 200-day MA of 711.65, indicating a bullish trend. The MACD of 65.00 indicates Negative momentum. The RSI at 84.63 is Negative, neither overbought nor oversold. The STOCH value of 77.11 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IL:MPP.

More Pension Peers Comparison

Overall Rating
UnderperformOutperform
Sector (67)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
74
Outperform
24.47B11.38
3.75%-11.69%105.99%
ILMPP
69
Neutral
1.44B25.93
3.96%
67
Neutral
$16.85B11.659.71%3.90%11.61%-9.60%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IL:MPP
More Pension
1,030.00
616.10
148.85%
IL:PHOE
Phoenix
9,589.00
6,259.31
187.98%
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: Jul 01, 2025