Want to see IL:PHOE full AI Analyst Report?
Top Page
Phoenix
(TASE:PHOE)
Select Model
Select Model
Rating:66Neutral
Price Target:
18,058.00
▲(2.72% Upside)
Action:Reiterated
Date:05/29/26
The score is driven primarily by improving profitability but tempered by higher leverage and volatile cash flow. Technicals are constructive over the medium/long term but show near-term softness, while valuation is supportive with a reasonable P/E and a moderate dividend yield.
Positive Factors
Improving profitability & margins
Sustained improvement in operating and net margins indicates better underwriting/pricing discipline and cost control. That strengthens earnings durability, increases cash available for reinvestment or shareholder returns, and provides a buffer in adverse insurance cycles.
Negative Factors
Elevated leverage
Debt above equity raises financial sensitivity to underwriting losses, interest rates, and investment mark-to-market swings. Elevated leverage reduces strategic flexibility, can constrain capital allocation during stress, and increases the importance of consistent operating cash generation.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving profitability & margins
Sustained improvement in operating and net margins indicates better underwriting/pricing discipline and cost control. That strengthens earnings durability, increases cash available for reinvestment or shareholder returns, and provides a buffer in adverse insurance cycles.
Read all positive factors
Phoenix (PHOE) vs. iShares MSCI Israel ETF (EIS)
Market Cap
₪43.67B
Dividend Yield3.21%
Average Volume (3M)1.33M
Price to Earnings (P/E)13.0
Beta (1Y)1.51
Revenue Growth28.82%
EPS Growth58.47%
CountryIL
Employees5,172
SectorGeneral
Sector StrengthN/A
IndustryInsurance - Diversified
Share Statistics
EPS (TTM)13.37
Shares Outstanding251,974,910
10 Day Avg. Volume1,003,045
30 Day Avg. Volume1,333,724
Financial Highlights & Ratios
PEG Ratio0.13
Price to Book (P/B)2.66
Price to Sales (P/S)1.10
P/FCF Ratio8.46
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)13.3
Revenue Forecast (FY)₪10.06B
Phoenix Business Overview & Revenue Model
Company Description
The Phoenix Holdings Ltd., based in Givatayim, Israel, offers a broad spectrum of insurance and retirement planning solutions within the Israeli market. Its extensive insurance offerings encompass coverage for life and disability, alongside specif...
Phoenix Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
62
Positive
Cash Flow
58
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 30.91B | 30.30B | 30.15B | 24.11B | 8.49B | 28.62B |
| Gross Profit | 30.04B | 28.87B | 27.36B | 22.01B | 6.64B | 27.01B |
| EBITDA | 6.59B | 6.33B | 3.88B | 2.04B | 2.56B | 3.26B |
| Net Income | 3.38B | 3.22B | 1.82B | 777.40M | 1.26B | 1.96B |
Balance Sheet | ||||||
| Total Assets | 200.99B | 197.94B | 172.57B | 159.79B | 147.52B | 143.58B |
| Cash, Cash Equivalents and Short-Term Investments | 24.75B | 2.01B | 32.01B | 33.03B | 29.51B | 26.91B |
| Total Debt | 10.18B | 15.44B | 10.46B | 9.36B | 8.11B | 6.35B |
| Total Liabilities | 187.75B | 185.06B | 160.32B | 148.90B | 136.98B | 133.66B |
| Stockholders Equity | 12.80B | 12.50B | 11.91B | 10.58B | 10.14B | 9.65B |
Cash Flow | ||||||
| Free Cash Flow | 2.60B | 3.93B | -1.60B | 1.14B | 2.20B | 4.19B |
| Operating Cash Flow | 3.20B | 4.24B | -701.54M | 2.18B | 2.73B | 4.55B |
| Investing Cash Flow | -856.62M | -889.42M | -1.30B | -1.46B | -535.97M | -214.98M |
| Financing Cash Flow | 1.92B | 1.43B | 109.19M | 1.84B | 1.67B | -402.69M |
Phoenix Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | ₪30.15B | 12.34 | ― | 3.15% | 43.27% | 99.24% | |
73 Outperform | ₪4.06B | 8.16 | ― | 4.15% | ― | ― | |
72 Outperform | ₪19.08B | 10.00 | ― | ― | 35.50% | 147.32% | |
66 Neutral | ₪43.67B | 12.96 | ― | 3.14% | 28.82% | 58.47% | |
66 Neutral | ₪18.93B | 8.07 | ― | 2.07% | -30.11% | 110.97% | |
65 Neutral | ₪36.29B | 11.92 | 23.23% | 3.92% | 28.54% | 147.51% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IL:PHOE
Phoenix
17,150.00
6,256.63
57.44%
IL:CLIS
Clal Insurance
22,890.00
8,054.01
54.29%
IL:HARL
Harel
17,470.00
8,071.93
85.89%
IL:MGDL
Migdal Insur.
1,768.00
764.00
76.10%
IL:MMHD
Menora Miv Hld
48,750.00
21,564.73
79.33%
IL:AYAL
Ayalon Hold.
14,740.00
9,274.92
169.71%
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.