Phoenix (PHOE) AI Stock Analysis

• Market Cap: 28.57B
• Dividend Yield: 372.73%
• Average Volume (3M): 912.72K
• Price to Earnings (P/E): 13.3
• Beta (1Y): 1.37
• Revenue Growth: -11.69%
• EPS Growth: 105.99%
• Country: IL
• Employees: 5,204
• Sector: Financial
• Sector Strength: 78
• Industry: Insurance - Diversified
• EPS (TTM): 226.00
• Shares Outstanding: 251,061,940
• 10 Day Avg. Volume: 813,510
• 30 Day Avg. Volume: 912,723
• PEG Ratio: 0.65
• Price to Book (P/B): 2.28
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -17.97
• 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: -40.09% Downside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0

• Rating: 72 Outperform
• Price Target: 12,277.00 ▲(8.17%Upside)

Phoenix exhibits strong financial performance, supported by robust revenue growth and profitability. Technical analysis shows bullish trends, though caution is advised due to overbought conditions. The valuation offers a reasonable entry point with a good dividend yield, making it an attractive option in the diversified 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

Phoenix demonstrates strong revenue growth and profitability, supported by efficient cost management and operational strength. The balance sheet is robust, though liabilities require careful monitoring. Cash flow challenges indicate a need for improved cash management strategies, yet the company is well-positioned with promising growth prospects.

Income Statement

Phoenix has demonstrated strong revenue growth, with a significant increase from the previous year, indicating robust demand or market expansion. The gross profit margin remains consistent, reflecting efficiency in managing production costs. The net profit margin has improved, showcasing enhanced profitability. Also, EBIT and EBITDA margins are solid, underscoring operational efficiency. However, the occasional fluctuations in EBIT point to potential operational challenges that may need addressing.

Balance Sheet

The debt-to-equity ratio is moderate, illustrating a balanced approach to leveraging, which is typical in the insurance industry. Return on equity (ROE) is strong, reflecting the company's ability to generate profits from shareholders' investments. The equity ratio is stable, indicating healthy financial stability. However, the company's liabilities are substantial compared to equity, suggesting potential risks if the market conditions change unfavorably.

Cash Flow

Operating cash flow has seen a downturn, raising concerns about the company's ability to generate cash from core operations. Free cash flow has notably decreased, impacting the company's flexibility in reinvestment or dividend payouts. While the free cash flow to net income ratio is less than ideal, it suggests efficient cash utilization concerning earnings. Overall, cash flow management appears to be an area for improvement.

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	29.75B	24.11B	8.37B	28.27B	17.20B
EBITDA	3.88B	2.04B	1.91B	2.94B	1.93B
Net Income	1.82B	777.40M	1.26B	1.96B	1.17B
Balance Sheet
Total Assets	172.57B	159.79B	147.52B	143.58B	119.16B
Cash, Cash Equivalents and Short-Term Investments	32.01B	33.03B	29.51B	26.91B	19.96B
Total Debt	10.46B	9.36B	8.11B	6.35B	4.90B
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: 11350.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• 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 11350 is above the 20-day moving average (MA) of 10214.30, above the 50-day MA of 8845.08, and above the 200-day MA of 6381.34, indicating a bullish trend. The MACD of 674.72 indicates Negative momentum. The RSI at 76.73 is Negative, neither overbought nor oversold. The STOCH value of 94.80 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
Sector *	73 Outperform	15.26B	18.23	16.30%	227.46%	8.25%	25.93%
PHOE	72 Outperform	28.57B	13.29		372.73%	-11.69%	105.99%
MMHD	72 Outperform	18.46B	15.01		331.97%	-2.35%	80.26%
MGDL	70 Outperform	10.67B	13.88		75.23%	-16.50%	29.61%
CLIS	70 Outperform	13.27B	12.17		226.42%	―	―
IDIN	70 Outperform	2.93B	9.81		747.91%	25.90%	68.30%
HARL	69 Neutral	$22.17B	18.01	12.96%	360.45%	-10.79%	67.20%

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.