Peninsula Group (PEN) AI Stock Analysis

• Market Cap: ₪607.38M
• Dividend Yield: 5.35%
• Average Volume (3M): 72.14K
• Price to Earnings (P/E): 11.9
• Beta (1Y): 1.12
• Revenue Growth: 25.73%
• EPS Growth: 45.19%
• Country: IL
• Employees: 45
• Sector: Services
• Sector Strength: N/A
• Industry: Financial - Credit Services
• EPS (TTM): 7.20
• Shares Outstanding: 223,218,300
• 10 Day Avg. Volume: 93,375
• 30 Day Avg. Volume: 72,145
• PEG Ratio: 0.27
• Price to Book (P/B): 1.37
• Price to Sales (P/S): 3.49
• P/FCF Ratio: -7.71
• 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: 62 Neutral
• Price Target: 307.00 ▼(-16.42% Downside)
• Action: Reiterated Date: 03/24/26
• Date: Action: Reiterated 03/24/26

The score is driven mainly by solid profitability but meaningful balance-sheet and cash-flow risk (high leverage and negative 2025 operating/free cash flow). Technicals further pressure the rating due to a clear downtrend and weak momentum, while valuation helps offset some risk with a moderate P/E and high dividend yield.

Positive Factors

High Profitability / Margins

Sustained high gross and operating margins indicate durable pricing power and efficient cost structure. Over 2–6 months this supports cash generation potential, resilience through economic cycles, and the ability to reinvest in growth or maintain shareholder returns despite cyclical headwinds.

Negative Factors

Elevated Leverage

High and rising leverage materially increases refinancing risk and interest expense sensitivity, limiting financial flexibility. For a credit services firm this raises default and liquidity vulnerability over the medium term and amplifies earnings volatility if credit conditions worsen or rates rise.

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 c...

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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 c...

Peninsula Group Financial Statement Overview

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	219.07M	181.66M	166.28M	140.00M	152.89M
Gross Profit	208.69M	126.49M	122.17M	114.50M	140.57M
EBITDA	166.37M	70.99M	75.03M	68.03M	99.85M
Net Income	71.93M	51.31M	53.80M	48.74M	68.65M
Balance Sheet
Total Assets	1.84B	1.68B	1.41B	1.52B	1.50B
Cash, Cash Equivalents and Short-Term Investments	1.31M	23.40M	101.38M	93.00M	111.21M
Total Debt	1.24B	1.12B	877.71M	1.00B	962.25M
Total Liabilities	1.28B	1.15B	901.41M	1.02B	993.89M
Stockholders Equity	559.68M	529.58M	507.06M	505.47M	507.46M
Cash Flow
Free Cash Flow	-99.16M	102.61M	359.01M	-21.63M	10.07M
Operating Cash Flow	-98.97M	106.48M	359.50M	-20.86M	12.84M
Investing Cash Flow	-1.74M	-3.88M	-489.00K	-770.00K	-1.31M
Financing Cash Flow	78.59M	-180.54M	-350.26M	3.55M	9.28M

Peninsula Group Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 367.30
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Positive
• STOCH: Neutral

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 289.66, above the 50-day MA of 326.98, and above the 200-day MA of 327.19, indicating a bearish trend. The MACD of -17.74 indicates Positive momentum. The RSI at 29.85 is Positive, neither overbought nor oversold. The STOCH value of 21.72 is Neutral, 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
MNIF	66 Neutral	₪1.55B	7.96	―	4.19%	25.72%	21.70%
JCFN	64 Neutral	₪712.70M	10.01	―	―	29.67%	15.36%
PEN	62 Neutral	₪607.38M	11.91	―	5.35%	25.73%	45.19%
MCLL	58 Neutral	₪700.98M	11.79	―	1.53%	―	―
Sector *	55 Neutral	$13.29B	17.42	10.03%	0.93%	7.13%	-12.93%
DIFI	52 Neutral	₪1.57B	12.34	―	5.03%	0.10%	15.03%