Peninsula Group (PEN) AI Stock Analysis

• Market Cap: 774.34M
• Dividend Yield: 5.21%
• Average Volume (3M): 72.14K
• Price to Earnings (P/E): 10.9
• Beta (1Y): 1.08
• Revenue Growth: 25.73%
• EPS Growth: 45.19%
• Country: IL
• Employees: 45
• Sector: Services
• Sector Strength: N/A
• Industry: Financial - Credit Services
• EPS (TTM): 8.90
• Shares Outstanding: 223,218,300
• 10 Day Avg. Volume: 93,375
• 30 Day Avg. Volume: 72,145
• PEG Ratio: -2.19
• Price to Book (P/B): 0.88
• Price to Sales (P/S): 2.57
• P/FCF Ratio: 4.56
• 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: 72 Outperform
• Price Target: 394.00 ▲(6.40% Upside)

Peninsula Group's strong financial performance, particularly in profitability and debt reduction, is a key strength. The stock's valuation is attractive with a reasonable P/E ratio and high dividend yield. However, technical indicators suggest caution due to overbought conditions.

Positive Factors

Debt Elimination

Eliminating debt enhances financial stability and flexibility, allowing Peninsula Group to invest in growth opportunities without the burden of interest payments.

Profitability

A consistent gross profit margin indicates effective cost management and pricing power, contributing to sustained profitability and competitive advantage.

Revenue Growth

The recovery in revenue growth in 2024 suggests improved market conditions and effective business strategies, supporting long-term expansion.

Negative Factors

Cash Flow Volatility

Volatile cash flows can impact the company's ability to fund operations and investments consistently, potentially affecting long-term financial health.

Return on Equity

A declining return on equity suggests challenges in generating profits from shareholders' investments, which could impact investor confidence and capital efficiency.

Revenue Growth Inconsistency

Inconsistent revenue growth may indicate market challenges or operational inefficiencies, potentially impacting long-term growth prospects.

Peninsula Group Business Overview & Revenue Model

Company Description

Peninsula Group Ltd provides credit solutions in Israel. The company offer long term, medium term, import, supplier, equipment, and asset-based financing services. It also provides bridge loans; line of credit; and diamond exchange services. The company was founded in 2004 and is based in Tel Aviv-Yafo, Israel.

How the Company Makes Money

Peninsula Group generates revenue through a subscription-based model, offering clients various packages that include access to HR services, legal advice, and training programs. The company earns money primarily from monthly or annual fees paid by its clients for ongoing support and consultation. Additionally, Peninsula benefits from one-time fees for specific services such as training workshops and compliance audits. Strategic partnerships with legal firms and industry associations also enhance its offerings and market reach, contributing to its overall earnings. The company's focus on customer retention and expansion into new markets further bolsters its revenue streams.

Peninsula Group Financial Statement Overview

Summary

Peninsula Group demonstrates strong profitability with a consistent gross profit margin and improved net profit margin. The balance sheet is strengthened by eliminating debt, though revenue growth and cash flow stability need improvement.

Income Statement

Peninsula Group demonstrates strong profitability with a consistent gross profit margin of 100% due to its revenue structure. The net profit margin improved from 44.6% in 2023 to 40.6% in 2024, showing resilience in cost management. However, revenue growth has been inconsistent, with a decrease from 2022 to 2023 but a recovery seen in 2024.

Balance Sheet

The company has significantly improved its debt position, reducing total debt from $877.7 million in 2023 to zero in 2024, enhancing its balance sheet strength. The equity ratio improved from 36% in 2023 to 31.6% in 2024, though the return on equity slightly decreased from 10.6% to 9.7%, indicating a need for better utilization of equity.

Cash Flow

Peninsula Group's cash flow shows positive operational cash flow in 2024 at $106.5 million, a recovery from negative figures in earlier years. The free cash flow to net income ratio is strong, reflecting efficient cash conversion. However, the volatility in operating cash flows poses a potential risk for future cash generation stability.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	208.70M	181.66M	166.28M	140.00M	152.89M	139.41M
Gross Profit	145.00M	126.49M	122.17M	114.50M	140.57M	128.83M
EBITDA	90.26M	70.99M	75.03M	68.03M	99.85M	94.73M
Net Income	66.17M	51.31M	53.80M	48.74M	68.65M	64.22M
Balance Sheet
Total Assets	1.94B	1.68B	1.41B	1.52B	1.50B	1.04B
Cash, Cash Equivalents and Short-Term Investments	192.17M	23.40M	101.38M	93.00M	111.21M	90.90M
Total Debt	1.36B	1.12B	877.71M	1.00B	962.25M	502.82M
Total Liabilities	1.39B	1.15B	901.41M	1.02B	993.89M	535.36M
Stockholders Equity	546.39M	529.58M	507.06M	505.47M	507.46M	506.15M
Cash Flow
Free Cash Flow	25.21M	102.61M	359.01M	-21.63M	10.07M	-114.79M
Operating Cash Flow	27.61M	106.48M	359.50M	-20.86M	12.84M	-110.61M
Investing Cash Flow	-2.40M	-3.88M	-489.00K	-770.00K	-1.31M	-3.98M
Financing Cash Flow	160.51M	-180.54M	-350.26M	3.55M	9.28M	204.03M

Peninsula Group Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 370.30
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IL:PEN, the sentiment is Positive. The current price of 370.3 is above the 20-day moving average (MA) of 336.40, above the 50-day MA of 315.54, and above the 200-day MA of 280.90, indicating a bullish trend. The MACD of 16.45 indicates Negative momentum. The RSI at 81.08 is Negative, neither overbought nor oversold. The STOCH value of 93.14 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IL:PEN.

Peninsula Group Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
JCFN	80 Outperform	791.12M	9.93	―	―	29.67%	15.36%
MNIF	78 Outperform	1.26B	7.49	―	4.19%	25.72%	21.70%
PEN	72 Outperform	774.34M	10.88	―	5.21%	25.73%	45.19%
DIFI	72 Outperform	1.71B	16.30	―	5.06%	0.10%	15.03%
MCLL	60 Neutral	536.73M	11.03	―	1.65%	―	―
Sector *	55 Neutral	$13.29B	17.42	10.03%	0.93%	7.13%	-12.93%