Phoenix (PHOE) AI Stock Analysis

• Market Cap: 27.31B
• Dividend Yield: 4.43%
• Average Volume (3M): 1.33M
• Price to Earnings (P/E): 10.0
• Beta (1Y): 1.40
• Revenue Growth: 18.37%
• EPS Growth: 92.33%
• Country: IL
• Employees: 5,204
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Diversified
• EPS (TTM): 370.00
• Shares Outstanding: 254,224,260
• 10 Day Avg. Volume: 1,162,314
• 30 Day Avg. Volume: 1,327,923
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• 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: 14,164.50
• Price Target Upside: 31.89% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 77 Outperform
• Price Target: 13,370.00 ▲(24.49% Upside)

Phoenix's overall stock score is driven by strong financial performance and attractive valuation metrics. The company's robust revenue growth and profitability are key strengths, although recent cash flow issues pose a risk. Technical indicators show bullish momentum, but overbought conditions suggest caution. The lack of earnings call and corporate events data limits further insights.

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 generates revenue through multiple streams, primarily by selling solar energy systems and related products to residential, commercial, and industrial clients. The company also earns income through the installation and maintenance services it provides for these systems. Additionally, Phoenix has established partnerships with local governments and environmental organizations, allowing it to access grants and incentives aimed at promoting renewable energy adoption. These collaborations not only enhance its revenue but also expand its market reach. Furthermore, the company has ventured into energy storage solutions, providing battery systems that complement its solar offerings, thus creating additional revenue opportunities.

Phoenix Financial Statement Overview

Summary

Phoenix exhibits strong revenue growth and profitability improvements, supported by efficient operations and a stable balance sheet. However, recent cash flow challenges highlight potential liquidity risks. The company should focus on stabilizing cash flows to maintain its financial health.

Income Statement

Phoenix has demonstrated strong revenue growth, with a significant increase from $24.1 billion in 2023 to $30.1 billion in 2024. The gross profit margin remains exceptionally high, indicating efficient cost management. The net profit margin improved substantially, reflecting enhanced profitability. EBIT and EBITDA margins also show positive trends, underscoring operational efficiency. However, the volatility in past EBIT figures suggests some historical instability.

Balance Sheet

The company maintains a healthy equity position, with a debt-to-equity ratio of 0.88, indicating moderate leverage. The return on equity has improved, reflecting better utilization of shareholder funds. The equity ratio is stable, suggesting a solid financial foundation. However, the increase in total debt over the years could pose a risk if not managed carefully.

Cash Flow

Phoenix's cash flow from operations turned negative in 2024, a concerning trend after positive figures in previous years. Free cash flow also declined, indicating potential liquidity challenges. The operating cash flow to net income ratio has deteriorated, suggesting inefficiencies in converting income into cash. Despite these issues, past performance shows the ability to generate positive cash flows.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	30.58B	30.15B	24.11B	8.37B	28.27B	17.20B
Gross Profit	30.14B	29.75B	24.11B	8.37B	28.27B	17.20B
EBITDA	5.42B	3.88B	2.04B	1.91B	2.94B	1.93B
Net Income	2.69B	1.82B	777.40M	1.26B	1.96B	1.17B
Balance Sheet
Total Assets	184.95B	172.57B	159.79B	147.52B	143.58B	119.16B
Cash, Cash Equivalents and Short-Term Investments	23.91B	32.01B	33.03B	29.51B	26.91B	19.96B
Total Debt	16.26B	10.46B	9.36B	8.11B	6.35B	4.90B
Total Liabilities	172.39B	160.32B	148.90B	136.98B	133.66B	111.08B
Stockholders Equity	12.18B	11.91B	10.58B	10.14B	9.65B	7.97B
Cash Flow
Free Cash Flow	117.23M	-1.60B	1.14B	2.20B	4.19B	4.40B
Operating Cash Flow	937.64M	-701.54M	2.18B	2.73B	4.55B	4.77B
Investing Cash Flow	-981.56M	-1.30B	-1.46B	-535.97M	-214.98M	-479.71M
Financing Cash Flow	2.61B	109.19M	1.84B	1.67B	-402.69M	374.22M

Phoenix Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 10740.00
• 50DMA: Negative
• 100DMA: Positive
• 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:PHOE, the sentiment is Positive. The current price of 10740 is below the 20-day moving average (MA) of 11235.42, below the 50-day MA of 11312.35, and above the 200-day MA of 7882.92, indicating a neutral trend. The MACD of -208.84 indicates Positive momentum. The RSI at 44.52 is Neutral, neither overbought nor oversold. The STOCH value of 17.82 is Positive, 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	77 Outperform	27.31B	10.02	―	4.43%	18.37%	92.33%
MMHD	75 Outperform	17.88B	10.69	14.97%	4.00%	28.29%	74.13%
CLIS	73 Outperform	12.20B	8.58	14.86%	2.48%	―	―
HARL	71 Outperform	20.27B	10.53	17.32%	3.20%	16.52%	108.70%
MGDL	69 Neutral	10.94B	12.45	9.76%	0.50%	24.69%	-28.38%
IDIN	63 Neutral	2.86B	8.90	26.00%	7.83%	24.23%	48.82%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

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.