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MORE PROVIDENT FUNDS LTD (IL:MPP)
:MPP
Israel Market
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More Pension (MPP) AI Stock Analysis

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IL:MPP

More Pension

(MPP)

Rating:73Outperform
Price Target:
1,603.00
▲(24.94% Upside)
The overall stock score is primarily driven by strong technical analysis, indicating bullish momentum and positive investor sentiment. Financial performance is solid, with strong revenue growth and profitability, though cash flow and leverage risks need attention. The valuation suggests the stock may be overvalued, but the attractive dividend yield offers some compensation 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 solutions. The company operates within the financial sector, offering a range of products designed to help individuals and organizations manage their retirement savings effectively. MPP provides personalized pension plans, investment advisory services, and financial education to ensure clients achieve their retirement goals.
How the Company Makes MoneyMore Pension (MPP) generates revenue primarily through management fees charged for its pension plans and investment advisory services. Clients pay a percentage of their assets under management (AUM) as a fee for the professional management and administration of their retirement funds. Additionally, MPP earns income from offering premium financial education courses and workshops. The company may also form strategic partnerships with investment firms, enabling it to offer a wider range of investment options to its clients, which can contribute to additional revenue through referral fees or shared commissions.

More Pension Financial Statement Overview

Summary
More Pension demonstrates strong revenue growth and profitability, with efficient operations reflected in solid margins. The balance sheet shows improved leverage and strong return on equity, though debt levels remain a concern. Cash flow performance is mixed, with a significant decline in free cash flow growth, highlighting potential liquidity challenges. Overall, the company is on a positive trajectory but must address cash flow and leverage risks to sustain growth.
Income Statement
78
Positive
More Pension has shown consistent revenue growth, with a notable 5.65% increase in the TTM period. The company maintains healthy margins, with a gross profit margin of 34.95% and a net profit margin of 10.19% in the TTM. EBIT and EBITDA margins are also strong, indicating efficient operations. However, the gross profit margin has decreased from previous years, suggesting potential cost pressures.
Balance Sheet
72
Positive
The company's debt-to-equity ratio has improved to 0.71 in the TTM, indicating better leverage management compared to previous years. Return on equity is robust at 23.57%, reflecting effective use of equity capital. The equity ratio stands at 44.67%, showing a solid equity base. However, the company still carries a significant level of debt, which could pose risks if not managed carefully.
Cash Flow
65
Positive
Free cash flow has declined significantly by 55.18% in the TTM, which is a concern. The operating cash flow to net income ratio is 0.30, indicating moderate cash generation relative to net income. The free cash flow to net income ratio is healthy at 0.97, suggesting that most of the net income is converted into free cash flow. Despite these strengths, the decline in free cash flow growth is a risk factor.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue571.38M515.23M445.46M274.76M135.47M24.21M
Gross Profit204.57M176.00M223.73M113.13M51.16M1.28M
EBITDA111.38M91.18M73.77M17.73M1.71M-13.91M
Net Income63.57M49.57M39.30M7.70M-1.15M-11.50M
Balance Sheet
Total Assets523.36M503.45M505.75M513.06M232.99M66.66M
Cash, Cash Equivalents and Short-Term Investments105.38M31.40M181.08M153.80M80.54M9.85M
Total Debt169.24M187.16M201.65M201.56M111.51M22.00M
Total Liabilities289.57M281.31M270.44M317.35M187.19M57.01M
Stockholders Equity233.79M222.14M235.31M195.71M45.80M9.66M
Cash Flow
Free Cash Flow16.02M23.89M-54.26M-78.61M-50.74M-27.68M
Operating Cash Flow16.89M25.88M-48.13M-72.00M-45.59M-26.98M
Investing Cash Flow41.01M36.61M-56.48M-85.46M-5.52M-700.00K
Financing Cash Flow-74.42M-79.29M-983.00K230.72M121.81M31.01M

More Pension Technical Analysis

Technical Analysis Sentiment
Positive
Last Price1283.00
Price Trends
50DMA
1270.63
Positive
100DMA
1026.05
Positive
200DMA
884.42
Positive
Market Momentum
MACD
16.58
Positive
RSI
44.00
Neutral
STOCH
5.63
Positive
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 1283 is below the 20-day moving average (MA) of 1370.85, above the 50-day MA of 1270.63, and above the 200-day MA of 884.42, indicating a neutral trend. The MACD of 16.58 indicates Positive momentum. The RSI at 44.00 is Neutral, neither overbought nor oversold. The STOCH value of 5.63 is Positive, 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 (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
79
Outperform
1.44B12.80
5.84%-4.43%-14.04%
73
Outperform
1.65B25.88
4.56%
68
Neutral
$17.81B11.8710.24%3.74%9.75%1.30%
1.48B15.45
1.03%
74
Outperform
2.93B24.76
4.20%29.08%74.72%
74
Outperform
1.44B10.15
2.08%
54
Neutral
2.54B35.89
1.76%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IL:MPP
More Pension
1,283.00
855.16
199.88%
IL:ANLT
Analyst
12,610.00
8,842.68
234.72%
IL:MISH
Mivtach Shamir
26,840.00
10,646.02
65.74%
IL:MRIN
More Invest
4,009.00
3,250.09
428.26%
IL:GNRS
Generation Cap
113.30
53.44
89.27%
IL:ALTF
ALTSHULER SHAHAM FINANCIAL LTD
726.10
228.41
45.89%
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: Aug 25, 2025