More Pension (MPP) AI Stock Analysis

• Market Cap: 1.88B
• Dividend Yield: 3.88%
• Average Volume (3M): 77.17K
• Price to Earnings (P/E): 29.4
• Beta (1Y): 1.18
• 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: 128,990,650
• 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: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 74 Outperform
• Price Target: 1,679.00 ▲(14.61% Upside)

The overall stock score is driven by strong technical analysis indicators and solid financial performance, despite some concerns over cash flow and leverage. The valuation is a moderate concern due to a high P/E ratio, but the dividend yield provides some compensation. The absence of earnings call and corporate events data means these factors do not influence the score.

Positive Factors

Revenue Growth

Consistent revenue growth of 5.65% in the TTM period indicates expanding market reach and effective client acquisition strategies, supporting long-term business sustainability.

Profitability

Strong profit margins reflect efficient operations and pricing power, enabling the company to reinvest in growth opportunities and withstand competitive pressures.

Leverage Management

Improved leverage management reduces financial risk and enhances the company's ability to invest in growth initiatives, contributing to long-term stability.

Negative Factors

Free Cash Flow Decline

A significant decline in free cash flow growth poses liquidity challenges, potentially limiting the company's ability to fund operations and growth initiatives without additional financing.

Debt Levels

High debt levels can strain financial flexibility and increase vulnerability to interest rate fluctuations, impacting long-term financial health and growth potential.

Cost Pressures

Decreasing gross profit margins suggest rising costs or pricing pressures, which could erode profitability if not managed effectively, impacting future earnings potential.

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	571.38M	515.23M	445.46M	274.76M	135.47M	24.21M
Gross Profit	204.57M	176.00M	223.73M	81.45M	37.11M	-1.63M
EBITDA	111.38M	91.18M	72.30M	19.01M	1.71M	-13.91M
Net Income	63.57M	49.57M	39.30M	7.70M	-1.15M	-11.50M
Balance Sheet
Total Assets	523.36M	503.45M	505.75M	513.06M	232.99M	66.66M
Cash, Cash Equivalents and Short-Term Investments	105.38M	31.40M	181.08M	153.80M	80.54M	9.85M
Total Debt	169.24M	187.16M	201.65M	201.56M	111.51M	22.00M
Total Liabilities	289.57M	281.31M	270.44M	317.35M	187.19M	57.01M
Stockholders Equity	233.79M	222.14M	235.31M	195.71M	45.80M	9.66M
Cash Flow
Free Cash Flow	16.02M	23.89M	-54.26M	-78.61M	-50.74M	-27.68M
Operating Cash Flow	16.89M	25.88M	-48.13M	-72.00M	-45.59M	-26.98M
Investing Cash Flow	41.01M	36.61M	-56.48M	-85.46M	-5.52M	-700.00K
Financing Cash Flow	-74.42M	-79.29M	-983.00K	230.72M	121.81M	31.01M

More Pension Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1465.00
• 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 1465 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
MRIN	74 Outperform	3.18B	26.81	―	3.48%	29.08%	74.72%
MPP	74 Outperform	1.88B	29.39	―	3.88%	19.74%	19.79%
GNRS	70 Neutral	1.87B	11.14	―	1.90%	62.82%	-15.94%
ALTF	69 Neutral	1.72B	15.15	―	4.79%	0.65%	-0.83%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
MISH	66 Neutral	3.31B	45.49	―	1.36%	40.39%	-49.10%