More Pension (MPP) AI Stock Analysis

• Market Cap: 1.91B
• Dividend Yield: 2.79%
• Average Volume (3M): 77.17K
• Price to Earnings (P/E): 29.5
• Beta (1Y): 1.23
• Revenue Growth: 19.74%
• EPS Growth: 19.79%
• Country: IL
• Employees: 151
• Sector: Financial
• Sector Strength: 70
• Industry: Asset Management
• EPS (TTM): 14.70
• Shares Outstanding: 129,390,640
• 10 Day Avg. Volume: 92,184
• 30 Day Avg. Volume: 77,173
• PEG Ratio: 0.73
• Price to Book (P/B): 4.20
• Price to Sales (P/S): 1.81
• P/FCF Ratio: 39.08
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 73 Outperform
• Price Target: 1,720.00 ▲(14.74% Upside)

More Pension's strong financial performance and positive technical indicators are the primary drivers of its stock score. The company's robust revenue growth and improved cash flow generation highlight its financial health. While the stock shows bullish momentum, the high P/E ratio suggests potential overvaluation, which slightly tempers the overall score.

Positive Factors

Revenue Growth

Consistent revenue growth indicates expanding market reach and product adoption, supporting long-term business stability and potential for future expansion.

Cash Generation

Strong cash generation enhances financial flexibility, allowing for reinvestment in growth opportunities and providing a buffer against economic downturns.

Profitability

Solid profitability margins reflect efficient operations and effective cost management, contributing to sustainable long-term financial health.

Negative Factors

Debt Reliance

Moderate reliance on debt could limit financial flexibility and increase risk, especially in volatile market conditions, impacting long-term stability.

Leverage Management

While leverage management has improved, continued focus is needed to further strengthen equity and reduce dependency on debt for financial resilience.

Equity Strength

Despite strong returns, enhancing equity strength is crucial for reducing financial risk and supporting sustainable growth in the long term.

More Pension Business Overview & Revenue Model

Company Description

More Provident Funds Ltd., a provident fund management company, provides various long-term savings products in Israel. It offers savings and benefit provident funds, investment provident funds, education funds, and savings plans for children. The company was founded in 2013 and is based in Ramat Gan, Israel.

How the Company Makes Money

More Pension generates revenue through various channels, primarily by charging fees for its pension management services and advisory consultations. The company typically has a tiered fee structure based on the assets under management (AUM) or a percentage of the funds allocated to its investment products. Additionally, MPP may earn commissions or referral fees through partnerships with investment firms and financial institutions when clients invest in specific financial products or services. The company may also offer subscription-based access to premium financial planning tools or analytics, contributing to its revenue streams. Significant partnerships with banks and insurance companies can enhance MPP's offerings and expand its client base, further supporting its earnings potential.

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

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

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

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.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	602.93M	515.23M	445.46M	274.76M	135.47M	24.21M
Gross Profit	216.09M	176.00M	223.73M	81.45M	37.11M	-1.63M
EBITDA	114.21M	91.18M	72.30M	19.01M	1.71M	-13.91M
Net Income	64.30M	49.57M	39.30M	7.70M	-1.15M	-11.50M
Balance Sheet
Total Assets	568.98M	503.45M	505.75M	513.06M	232.99M	66.66M
Cash, Cash Equivalents and Short-Term Investments	123.11M	31.40M	181.08M	153.80M	80.54M	9.85M
Total Debt	168.49M	187.16M	201.65M	201.56M	111.51M	22.00M
Total Liabilities	331.87M	281.31M	270.44M	317.35M	187.19M	57.01M
Stockholders Equity	237.11M	222.14M	235.31M	195.71M	45.80M	9.66M
Cash Flow
Free Cash Flow	25.29M	23.89M	-54.26M	-78.61M	-50.74M	-27.68M
Operating Cash Flow	25.66M	25.88M	-48.13M	-72.00M	-45.59M	-26.98M
Investing Cash Flow	47.11M	36.61M	-56.48M	-85.46M	-5.52M	-700.00K
Financing Cash Flow	-69.73M	-79.29M	-983.00K	230.72M	121.81M	31.01M

More Pension Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1499.00
• MACD: Negative
• RSI: Neutral
• STOCH: 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 1499 is above the 20-day moving average (MA) of 1455.50, equal to the 50-day MA of ―, and equal to the 200-day MA of ―, indicating a neutral trend. The MACD of 67.16 indicates Negative momentum. The RSI at 56.75 is Neutral, neither overbought nor oversold. The STOCH value of 47.23 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
GNRS	77 Outperform	2.29B	14.74	―	2.54%	62.82%	-15.94%
MPP	73 Outperform	1.91B	29.49	―	2.79%	19.74%	19.79%
MRIN	70 Neutral	3.96B	34.79	―	2.95%	26.35%	48.62%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
ALTF	58 Neutral	1.41B	12.43	―	5.43%	0.65%	-0.83%
MISH	47 Neutral	4.49B	61.77	―	1.32%	40.39%	-49.10%