Peninsula Group (PEN) AI Stock Analysis

• Market Cap: 564.94M
• Dividend Yield: 7.56%
• Average Volume (3M): 186.06K
• Price to Earnings (P/E): 9.6
• Beta (1Y): 0.81
• Revenue Growth: 9.30%
• EPS Growth: -0.76%
• Country: IL
• Employees: 45
• Sector: Consumer Defensive
• Sector Strength: 66
• Industry: Financial - Credit Services
• EPS (TTM): 0.23
• Shares Outstanding: 222,415,600
• 10 Day Avg. Volume: 404,441
• 30 Day Avg. Volume: 186,059
• PEG Ratio: -0.33
• Price to Book (P/B): 0.87
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -20.44
• 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

• Rating: 73 Outperform
• Price Target: ―

Peninsula Group's overall score reflects solid financial performance and attractive valuation, tempered by neutral technical indicators. The company's strong profitability and debt elimination are significant strengths, though revenue inconsistency and cash flow volatility remain areas to watch. Valuation metrics highlight potential upside, making it a compelling option for value-oriented investors.

Peninsula Group Business Overview & Revenue Model

Company Description

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How the Company Makes Money

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Peninsula Group Financial Statement Overview

Summary

Peninsula Group exhibits solid profitability with a strong gross profit margin and improved net profit margin. The balance sheet is strengthened by eliminating debt, but revenue growth inconsistency and cash flow volatility pose concerns. Overall, financial performance is positive with potential for further 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
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
126.49M	106.90M	114.50M	140.53M	128.19M
	Gross Profit
126.49M	122.19M	114.50M	140.53M	128.19M
	EBIT
89.66M	106.96M	87.67M	97.21M	92.88M
	EBITDA
0.00	0.00	0.00	0.00	0.00
	Net Income Common Stockholders
51.31M	53.80M	48.74M	68.65M	64.22M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
23.40M	101.38M	93.00M	111.21M	90.90M
	Total Assets
1.68B	1.41B	1.52B	1.50B	1.04B
	Total Debt
0.00	877.71M	1.00B	962.25M	502.82M
	Net Debt
-23.40M	-101.38M	907.15M	851.04M	411.93M
	Total Liabilities
1.15B	901.41M	1.02B	962.25M	502.82M
	Stockholders Equity
529.58M	507.06M	505.47M	507.46M	506.15M
Cash Flow		Free Cash Flow
102.61M	359.01M	-21.63M	10.07M	-114.79M
	Operating Cash Flow
106.48M	359.50M	-20.86M	12.84M	-110.61M
	Investing Cash Flow
-3.88M	-489.00K	-770.00K	-1.31M	-3.98M
	Financing Cash Flow
-180.54M	-350.26M	3.55M	9.28M	204.03M

Peninsula Group Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 207.90
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

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 207.9 is below the 20-day moving average (MA) of 254.91, below the 50-day MA of 233.65, and above the 200-day MA of 202.35, indicating a neutral trend. The MACD of 6.17 indicates Positive momentum. The RSI at 54.52 is Neutral, neither overbought nor oversold. The STOCH value of 60.16 is Neutral, 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
MZTF	81 Outperform	$49.25B	8.97	18.08%	1.80%	13.33%	10.71%
DLEKG	79 Outperform	11.35B	10.01	11.86%	8.67%	5.86%	-3.40%
PEN	73 Outperform	564.94M	9.61		7.56%	9.30%	-0.76%
ILDC	67 Neutral	1.24B	12.14		4.72%	―	―
Sector *	65 Neutral	$8.82B	14.91	4.71%	6.22%	3.60%	-2.66%

Peninsula Group Corporate Events

Peninsula Group Reports Changes in Senior Officer’s Security Holdings

The Peninsula Group announced changes in the holdings of securities by Michael Keren, a senior officer who is not a CEO or director. The changes include a decrease in convertible securities and an increase in ordinary shares. The transactions were carried out on September 2, 2025, and involved a conversion of securities to shares. These changes reflect a shift in the capital and voting power percentages, although they remain relatively small.

Peninsula Group Ltd Enhances Securities Documentation and Exercises Options

Peninsula Group Ltd has announced a strengthening of its securities documentation, particularly concerning various series of non-convertible bonds and options. This move, which includes the exercise of options and changes in securities holdings, is indicative of the company’s efforts to optimize its capital structure and improve its financial positioning. The changes involved a limited exercise of options, affecting holdings such as Peninsula Regular Shares and various non-traded options series, which are critical for the company’s ongoing financial strategies.