Phoenix (PHOE) AI Stock Analysis

• Market Cap: ₪46.48B
• Dividend Yield: 4.19%
• Average Volume (3M): 1.33M
• Price to Earnings (P/E): 10.3
• Beta (1Y): 1.52
• Revenue Growth: 12.22%
• EPS Growth: 71.58%
• Country: IL
• Employees: 5,204
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Diversified
• EPS (TTM): 380.80
• Shares Outstanding: 252,858,100
• 10 Day Avg. Volume: 1,003,045
• 30 Day Avg. Volume: 1,333,724
• PEG Ratio: 0.13
• Price to Book (P/B): 2.66
• Price to Sales (P/S): 1.10
• P/FCF Ratio: 8.46
• 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): 12.15
• Revenue Forecast (FY): ₪10.06B

• Rating: 65 Neutral
• Price Target: 19,759.00 ▲(46.36% Upside)
• Action: Downgraded Date: 03/28/26
• Date: Action: Downgraded 03/28/26

The score is driven primarily by improving financial performance (2025 earnings and cash-flow rebound) but tempered by volatility and higher leverage. Valuation is supportive with a low P/E and solid dividend yield, while technical indicators point to near-term weakness with the price below key short-term moving averages.

Positive Factors

Profitability Recovery

The company delivered a material earnings recovery in 2025 with sharply higher EBIT and net income on mid-single-digit revenue growth. This demonstrates operational leverage and improved underwriting or expense control, which can sustainably boost retained earnings, reinvestment capacity and dividend support over the medium term.

Negative Factors

Earnings & Margin Volatility

Significant year-to-year swings in revenue and margins reduce predictability of underwriting profitability and cash generation. Persistent volatility complicates capital planning, provisioning and pricing discipline, increasing the risk the firm must periodically strengthen reserves or raise capital during downturns.

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, thi...

Read more

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, thi...

How the Company Makes Money

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Phoenix Financial Statement Overview

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	30.30B	30.15B	24.11B	8.49B	28.62B
Gross Profit	28.87B	27.36B	22.01B	6.64B	27.01B
EBITDA	6.33B	3.88B	2.04B	2.56B	3.26B
Net Income	3.22B	1.82B	777.40M	1.26B	1.96B
Balance Sheet
Total Assets	197.94B	172.57B	159.79B	147.52B	143.58B
Cash, Cash Equivalents and Short-Term Investments	2.01B	32.01B	33.03B	29.51B	26.91B
Total Debt	15.44B	10.46B	9.36B	8.11B	6.35B
Total Liabilities	185.06B	160.32B	148.90B	136.98B	133.66B
Stockholders Equity	12.50B	11.91B	10.58B	10.14B	9.65B
Cash Flow
Free Cash Flow	3.93B	-1.60B	1.14B	2.20B	4.19B
Operating Cash Flow	4.24B	-701.54M	2.18B	2.73B	4.55B
Investing Cash Flow	-889.42M	-1.30B	-1.46B	-535.97M	-214.98M
Financing Cash Flow	1.43B	109.19M	1.84B	1.67B	-402.69M

Phoenix Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 13500.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

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 13500 is below the 20-day moving average (MA) of 16845.00, below the 50-day MA of 16567.60, and above the 200-day MA of 13187.00, indicating a bullish trend. The MACD of 143.95 indicates Negative momentum. The RSI at 62.51 is Neutral, neither overbought nor oversold. The STOCH value of 71.77 is Neutral, 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
MMHD	75 Outperform	₪32.15B	9.62	―	2.61%	23.28%	124.99%
MGDL	70 Outperform	₪19.97B	8.91	―	0.30%	6.00%	36.33%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CLIS	67 Neutral	₪20.31B	7.20	―	1.67%	-27.87%	229.49%
HARL	66 Neutral	₪38.89B	12.94	23.23%	2.21%	5.84%	138.80%
PHOE	65 Neutral	₪46.48B	10.31	―	4.19%	12.22%	71.58%
IDIN	65 Neutral	₪3.34B	9.99	―	5.98%	19.48%	53.61%