Phoenix (PHOE) AI Stock Analysis

• Market Cap: 18.97B
• Dividend Yield: 4.41%
• Average Volume (3M): 577.32K
• Price to Earnings (P/E): 10.5
• Beta (1Y): 1.23
• Revenue Growth: 25.41%
• EPS Growth: 135.28%
• Country: IL
• Employees: 5,204
• Sector: Financial
• Sector Strength: 87
• Industry: Insurance - Diversified
• EPS (TTM): 7.22
• Shares Outstanding: 251,457,280
• 10 Day Avg. Volume: 700,862
• 30 Day Avg. Volume: 577,319
• PEG Ratio: -0.28
• Price to Book (P/B): 1.58
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -11.70
• 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: 6,800.00
• Price Target Upside: 0.74% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

Phoenix demonstrates strong financial performance with robust revenue growth and profitability, though cash flow management needs improvement. Technical indicators show a positive stock momentum, supported by an attractive valuation with a low P/E ratio and high dividend yield. These factors collectively position Phoenix as a compelling investment in the insurance sector.

Phoenix Business Overview & Revenue Model

Company Description

The Phoenix Holdings Ltd. provides various insurance and pension products in Israel. It offers life and disability insurance; flight cancellation; and property and casualty insurance, including motor vehicle, motor property, home and business, third-party liability, employers' liability, directors' and officers' liability, product liability, building, contract works, and marine insurance products, as well as health insurance products, such as long-term care and critical illness, travel, sick leave, illness and hospitalization, and dental insurance. The company also provides mechanical-engineering equipment, mechanical breakdown, refrigerated inventory, cargo in transit and shippers' liability, short-term personal accident, fidelity, agricultural, and electronic equipment insurance; investment insurance for home buyers; insurance covering production and cancellation of events; and clinical trials, money, goods in transit, works of art, aviation, terrorism acts, and cyber insurance. In addition, it offers financial asset management services comprising marketing and management of investments, underwriting and investment banking, mutual funds management, and stock exchange and trading services; and pension, education, and provident funds, as well as savings products. The company was formerly known as The Israel Phoenix Assurance Company Limited. The Phoenix Holdings Ltd. was incorporated in 1949 and is headquartered in Givatayim, Israel.

How the Company Makes Money

Phoenix Financial Statement Overview

Summary

Income Statement

Balance Sheet

Cash Flow

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
30.15B	24.11B	8.37B	28.27B	17.20B
	Gross Profit
30.15B	24.11B	8.37B	28.27B	17.20B
	EBIT
0.00	1.51B	1.50B	2.58B	1.63B
	EBITDA
3.88B	2.04B	1.91B	2.94B	1.93B
	Net Income Common Stockholders
1.82B	777.40M	1.26B	1.96B	1.17B
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
32.01B	33.03B	29.51B	26.91B	19.96B
	Total Assets
172.57B	159.79B	147.52B	143.58B	119.16B
	Total Debt
10.46B	9.36B	8.11B	6.35B	4.90B
	Net Debt
-10.01B	-12.99B	-11.69B	-9.59B	-7.11B
	Total Liabilities
160.32B	148.90B	136.98B	133.66B	111.08B
	Stockholders Equity
11.91B	10.58B	10.14B	9.65B	7.97B
Cash Flow		Free Cash Flow
-1.60B	1.14B	2.20B	4.19B	4.40B
	Operating Cash Flow
-701.54M	2.18B	2.73B	4.55B	4.77B
	Investing Cash Flow
-1.30B	-1.46B	-535.97M	-214.98M	-479.71M
	Financing Cash Flow
109.19M	1.84B	1.67B	-402.69M	374.22M

Phoenix Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 6750.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IL:PHOE, the sentiment is Positive. The current price of 6750 is below the 20-day moving average (MA) of 7042.35, below the 50-day MA of 6809.14, and above the 200-day MA of 5149.85, indicating a bullish trend. The MACD of 193.03 indicates Negative momentum. The RSI at 68.27 is Neutral, neither overbought nor oversold. The STOCH value of 90.49 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IL:PHOE.

Phoenix Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PHOE	83 Outperform	18.97B	10.46		4.41%	25.41%	135.28%
IBI	78 Outperform	3.22B	17.94		4.85%	―	―
CLIS	66 Neutral	8.17B	11.31		1.23%	―	―
Sector *	64 Neutral	$12.60B	9.73	7.92%	16985.68%	12.21%	-5.61%

Phoenix Corporate Events

Phoenix Insurance Resolves Class Action Legal Dispute

Phoenix Insurance Company Ltd has successfully resolved a legal issue as the Regional Labor Court in Tel Aviv-Jaffa approved the withdrawal of a claimant’s request to certify a class action lawsuit against it. The lawsuit alleged that Phoenix Insurance and another company charged excessive amounts in loan agreements through a one-way linkage mechanism. The closure of this case against Phoenix Insurance may positively impact its operations and market position by removing potential legal and financial uncertainties.

Phoenix Financial Ltd. to Announce 2024 Financial Results

Phoenix Financial Ltd. is set to announce its quarterly and annual financial results for 2024 on March 13, 2025. The results will be released in both Hebrew and English and will be followed by an analyst and investor conference call featuring the CEO and Deputy CEO/CFO. This announcement is expected to provide significant insights into the company’s financial health and strategic direction, impacting stakeholders and its market position.

Phoenix Financial Ltd. Maintains Stable Aa2.il Rating Amid Strategic Resilience

Phoenix Financial Ltd. has maintained its Aa2.il issuer rating with a stable outlook from Midroog, supported by its strong financial flexibility and liquidity profile. The company’s strategic management of its portfolio, particularly its holdings in the insurance sector, contributes to a favorable credit position, although the ongoing conflict in Israel presents some uncertainty regarding future economic impacts.

Phoenix Financial Ltd. Announces Release of 2024 Financial Reports and Conference Calls

Phoenix Financial Ltd. is set to release its 2024 Q4 and annual financial reports on March 13, 2025. The company will hold conference calls in Hebrew and English to discuss the financial results on the same day, providing stakeholders with insights into the company’s financial performance and future outlook. The announcement may impact stakeholders by offering a detailed understanding of the company’s financial health and strategic direction.

Phoenix Financial Ltd to Release 2024 Financial Reports

Phoenix Financial Ltd announced the release of its financial reports for Q4 and the year 2024 on March 13, 2025, available on its website. A conference call with the CEO and CFO will discuss these results, indicating transparency and engagement with stakeholders. The company is not a shell entity, emphasizing its active market presence.