Peninsula Group Ltd. (IL:PEN)
TASE:PEN
Want to see IL:PEN full AI Analyst Report?
Top Page
Peninsula Group
(TASE:PEN)
Select Model
Select Model
Rating:60Neutral
Price Target:
347.00
▼(-5.53% Downside)
Action:Reiterated
Date:06/12/26
The score is primarily held back by negative operating and free cash flow alongside high leverage, despite strong reported margins. Technical indicators are neutral-to-mildly positive, while valuation is a clear positive with a low P/E and high dividend yield.
Positive Factors
High reported profitability
Sustained high margins indicate the firm captures pricing or cost advantages in its credit-services niche. Persistently strong operating profitability supports internal reinvestment, dividend capacity and resilience to cyclical revenue swings, benefiting long-term returns.
Negative Factors
Negative operating and free cash flow
Persistent negative operating and free cash flow erodes liquidity and forces reliance on external financing or asset sales. Over months, poor cash conversion constrains reinvestment, increases refinancing risk and weakens the company's ability to fund dividends or buffer shocks.
Read all positive and negative factors
Positive Factors
Negative Factors
High reported profitability
Sustained high margins indicate the firm captures pricing or cost advantages in its credit-services niche. Persistently strong operating profitability supports internal reinvestment, dividend capacity and resilience to cyclical revenue swings, benefiting long-term returns.
Read all positive factors
Peninsula Group (PEN) vs. iShares MSCI Israel ETF (EIS)
Market Cap
₪710.37M
Dividend Yield5.35%
Average Volume (3M)72.14K
Price to Earnings (P/E)9.9
Beta (1Y)1.02
Revenue Growth11.65%
EPS Growth21.57%
CountryIL
Employees45
SectorServices
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.32
Shares Outstanding223,247,900
10 Day Avg. Volume93,375
30 Day Avg. Volume72,145
Financial Highlights & Ratios
PEG Ratio0.27
Price to Book (P/B)1.37
Price to Sales (P/S)3.49
P/FCF Ratio-7.71
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Peninsula Group Business Overview & Revenue Model
Company Description
Established in 2004 and based in Tel Aviv-Yafo, Israel, Peninsula Group Ltd is a financial firm dedicated to providing a wide array of credit and financing services within the Israeli market. The company specializes in offering various funding sol...
How the Company Makes Money
null...
Peninsula Group Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
58
Neutral
Cash Flow
33
Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 221.84M | 219.07M | 181.66M | 166.28M | 140.00M | 152.89M |
| Gross Profit | 148.78M | 208.69M | 126.49M | 122.17M | 114.50M | 140.57M |
| EBITDA | 98.34M | 166.37M | 70.99M | 75.03M | 68.03M | 99.85M |
| Net Income | 71.57M | 71.93M | 51.31M | 53.80M | 48.74M | 68.65M |
Balance Sheet | ||||||
| Total Assets | 1.76B | 1.84B | 1.68B | 1.41B | 1.52B | 1.50B |
| Cash, Cash Equivalents and Short-Term Investments | 1.54M | 1.31M | 23.40M | 101.38M | 93.00M | 111.21M |
| Total Debt | 1.15B | 1.24B | 1.12B | 877.71M | 1.00B | 962.25M |
| Total Liabilities | 1.19B | 1.28B | 1.15B | 901.41M | 1.02B | 993.89M |
| Stockholders Equity | 567.16M | 559.68M | 529.58M | 507.06M | 505.47M | 507.46M |
Cash Flow | ||||||
| Free Cash Flow | -40.07M | -99.16M | 102.61M | 359.01M | -21.63M | 10.07M |
| Operating Cash Flow | -39.33M | -98.97M | 106.48M | 359.50M | -20.86M | 12.84M |
| Investing Cash Flow | -1.35M | -1.74M | -3.88M | -489.00K | -770.00K | -1.31M |
| Financing Cash Flow | 33.52M | 78.59M | -180.54M | -350.26M | 3.55M | 9.28M |
Peninsula Group Technical Analysis
Negative
367.30
Price Trends
329.63
Negative
326.08
Negative
325.66
Negative
Market Momentum
-2.99
Positive
39.66
Neutral
9.79
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IL:PEN, the sentiment is Negative. The current price of 367.3 is above the 20-day moving average (MA) of 330.20, above the 50-day MA of 329.63, and above the 200-day MA of 325.66, indicating a bearish trend. The MACD of -2.99 indicates Positive momentum. The RSI at 39.66 is Neutral, neither overbought nor oversold. The STOCH value of 9.79 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IL:PEN.
Peninsula Group Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
69 Neutral | ₪1.54B | 6.44 | ― | 6.49% | 34.45% | 44.28% | |
60 Neutral | ₪710.37M | 9.91 | ― | 5.35% | 11.65% | 21.57% | |
58 Neutral | ₪1.47B | 7.50 | ― | 4.19% | 20.21% | 21.17% | |
57 Neutral | ₪663.77M | 7.87 | ― | ― | 28.26% | 15.92% | |
55 Neutral | $13.29B | 17.42 | 10.03% | 0.93% | 7.13% | -12.93% | |
43 Neutral | ₪3.75B | -41.07 | -1.68% | 2.45% | 6.46% | -126.96% |
* Services Sector Average
IL:PEN
Peninsula Group
314.90
25.41
8.78%
IL:ISCD
Isracard
1,132.00
-108.52
-8.75%
IL:NAWI
Nawi
4,678.00
-1,170.69
-20.02%
IL:MNIF
Menif
2,393.00
116.11
5.10%
IL:BULL.M
Bull Trading-M
3.90
0.80
25.81%
IL:JCFN
Jacob Finance & Investments Ltd.
2,686.00
-642.63
-19.31%
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.