tiprankstipranks
Trending News
More News >
Phoenix Holdings Ltd. (IL:PHOE)
:PHOE
Israel Market
Advertisement

Phoenix (PHOE) AI Stock Analysis

Compare
4 Followers

Top Page

IL:PHOE

Phoenix

(PHOE)

Rating:77Outperform
Price Target:
13,370.00
▲(16.46% 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 (PHOE) vs. iShares MSCI Israel ETF (EIS)

Phoenix Business Overview & Revenue Model

Company DescriptionThe 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 MoneyPhoenix 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
85
Very Positive
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
78
Positive
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
70
Positive
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.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue30.58B30.15B24.11B8.37B28.27B17.20B
Gross Profit30.14B29.75B24.11B8.37B28.27B17.20B
EBITDA5.42B3.88B2.04B1.91B2.94B1.93B
Net Income2.69B1.82B777.40M1.26B1.96B1.17B
Balance Sheet
Total Assets184.95B172.57B159.79B147.52B143.58B119.16B
Cash, Cash Equivalents and Short-Term Investments23.91B32.01B33.03B29.51B26.91B19.96B
Total Debt16.26B10.46B9.36B8.11B6.35B4.90B
Total Liabilities172.39B160.32B148.90B136.98B133.66B111.08B
Stockholders Equity12.18B11.91B10.58B10.14B9.65B7.97B
Cash Flow
Free Cash Flow117.23M-1.60B1.14B2.20B4.19B4.40B
Operating Cash Flow937.64M-701.54M2.18B2.73B4.55B4.77B
Investing Cash Flow-981.56M-1.30B-1.46B-535.97M-214.98M-479.71M
Financing Cash Flow2.61B109.19M1.84B1.67B-402.69M374.22M

Phoenix Technical Analysis

Technical Analysis Sentiment
Positive
Last Price11480.00
Price Trends
50DMA
11030.37
Positive
100DMA
9286.37
Positive
200DMA
7488.58
Positive
Market Momentum
MACD
123.74
Positive
RSI
51.40
Neutral
STOCH
20.55
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 11480 is below the 20-day moving average (MA) of 11616.21, above the 50-day MA of 11030.37, and above the 200-day MA of 7488.58, indicating a neutral trend. The MACD of 123.74 indicates Positive momentum. The RSI at 51.40 is Neutral, neither overbought nor oversold. The STOCH value of 20.55 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

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
77
Outperform
29.32B10.71
4.13%18.37%92.33%
73
Outperform
13.86B9.75
2.18%
73
Outperform
20.45B12.23
2.14%28.29%74.13%
69
Neutral
12.46B14.19
0.44%24.69%-28.38%
68
Neutral
$17.81B11.8710.24%3.74%9.75%1.30%
$7.00B3.9719.01%
65
Neutral
3.40B10.59
6.58%24.23%48.82%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IL:PHOE
Phoenix
11,480.00
7,856.31
216.80%
IL:CLIS
Clal Insurance
17,310.00
11,692.27
208.13%
HAHRF
Harel
9.45
0.00
0.00%
IL:MGDL
Migdal Insur.
1,178.00
715.21
154.54%
IL:MMHD
Menora Miv Hld
32,780.00
22,684.93
224.71%
IL:IDIN
Idi Insur
23,000.00
11,897.80
107.17%

Phoenix Corporate Events

Phoenix Insurance Resolves Class Action Legal Dispute
Feb 17, 2025

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
Feb 16, 2025

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.

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.Date of analysis: Jul 28, 2025