Peninsula Group (PEN) AI Stock Analysis

• Market Cap: ₪737.96M
• Dividend Yield: 5.35%
• Average Volume (3M): 72.14K
• Price to Earnings (P/E): 10.4
• Beta (1Y): 1.14
• 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: 75 Outperform
• Price Target: 413.00 ▲(12.44% Upside)
• Action: Reiterated Date: 12/18/25
• Date: Action: Reiterated 12/18/25

Peninsula Group's stock is supported by strong technical indicators and attractive valuation metrics. While financial performance shows robust profitability, high leverage and cash flow issues need attention. The absence of earnings call and corporate events data did not impact the score.

Positive Factors

Revenue Growth

Despite a recent slowdown, Peninsula Group's revenue growth remains positive, indicating stable demand for its services.

Profitability Margins

High profitability margins demonstrate effective cost management and strong pricing power, supporting long-term financial health.

Cash Generation

A high free cash flow to net income ratio indicates efficient cash generation, providing flexibility for reinvestment and debt management.

Negative Factors

High Leverage

Significant leverage could increase financial risk, especially in adverse market conditions, potentially impacting long-term stability.

Negative Cash Flow Growth

Declining cash flow growth suggests potential liquidity issues, which may constrain operational flexibility and investment capacity.

Slowing Revenue Growth

A slowdown in revenue growth could indicate market saturation or increased competition, potentially limiting future expansion opportunities.

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 shows strong profitability with high margins but faces challenges with high leverage and negative cash flow growth. The income statement is robust, but the balance sheet and cash flow statements highlight areas for improvement.

Income Statement

Peninsula Group shows a strong income statement with consistent revenue growth and solid profitability margins. The TTM data indicates a gross profit margin of 69.48% and a net profit margin of 31.70%, both of which are healthy indicators of profitability. The EBIT and EBITDA margins are also robust at 41.56% and 43.25%, respectively. However, the revenue growth rate has slowed to 3.43% in the TTM period, which may indicate a potential plateau in growth.

Balance Sheet

The balance sheet reveals a high debt-to-equity ratio of 2.49, indicating significant leverage, which could pose a risk if not managed carefully. The return on equity (ROE) is moderate at 12.38%, reflecting decent profitability relative to shareholder equity. The equity ratio stands at 31.12%, suggesting a balanced approach to financing with a reasonable proportion of equity in the asset base.

Cash Flow

Cash flow analysis shows challenges, with a negative free cash flow growth rate of -104.32% in the TTM period, indicating potential liquidity issues. The operating cash flow to net income ratio is low, suggesting that earnings are not fully translating into cash flow. The free cash flow to net income ratio is relatively high at 91.32%, which is a positive sign of cash generation relative to earnings.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	215.85M	181.66M	166.28M	140.00M	152.89M	139.41M
Gross Profit	146.03M	126.49M	122.17M	114.50M	140.57M	128.83M
EBITDA	97.43M	70.99M	75.03M	68.03M	99.85M	94.73M
Net Income	70.89M	51.31M	53.80M	48.74M	68.65M	64.22M
Balance Sheet
Total Assets	1.78B	1.68B	1.41B	1.52B	1.50B	1.04B
Cash, Cash Equivalents and Short-Term Investments	2.36M	23.40M	101.38M	93.00M	111.21M	90.90M
Total Debt	1.21B	1.12B	877.71M	1.00B	962.25M	502.82M
Total Liabilities	1.23B	1.15B	901.41M	1.02B	993.89M	535.36M
Stockholders Equity	555.41M	529.58M	507.06M	505.47M	507.46M	506.15M
Cash Flow
Free Cash Flow	-1.09M	102.61M	359.01M	-21.63M	10.07M	-114.79M
Operating Cash Flow	943.00K	106.48M	359.50M	-20.86M	12.84M	-110.61M
Investing Cash Flow	-2.32M	-3.88M	-489.00K	-770.00K	-1.31M	-3.98M
Financing Cash Flow	-3.47M	-180.54M	-350.26M	3.55M	9.28M	204.03M

Peninsula Group Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 367.30
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: 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 361.50, above the 50-day MA of 360.70, and above the 200-day MA of 323.74, indicating a neutral trend. The MACD of -3.63 indicates Positive momentum. The RSI at 33.35 is Neutral, neither overbought nor oversold. The STOCH value of 17.23 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PEN	75 Outperform	₪737.96M	10.37	―	5.35%	25.73%	45.19%
MNIF	66 Neutral	₪1.53B	8.68	―	4.19%	25.72%	21.70%
JCFN	60 Neutral	₪825.29M	10.53	―	―	29.67%	15.36%
MCLL	58 Neutral	₪742.83M	13.47	―	1.53%	―	―
Sector *	55 Neutral	$13.29B	17.42	10.03%	0.93%	7.13%	-12.93%
DIFI	51 Neutral	₪1.46B	11.34	―	5.03%	0.10%	15.03%