Tiv Taam (TTAM) AI Stock Analysis

• Market Cap: ₪1.20B
• Dividend Yield: 1.69%
• Average Volume (3M): 80.27K
• Price to Earnings (P/E): 17.7
• Beta (1Y): 0.72
• Revenue Growth: 9.07%
• EPS Growth: 38.76%
• Country: IL
• Employees: 1,700
• Sector: Consumer Defensive
• Sector Strength: 42
• Industry: Food Distribution
• EPS (TTM): 14.60
• Shares Outstanding: 106,541,980
• 10 Day Avg. Volume: 56,572
• 30 Day Avg. Volume: 80,273
• PEG Ratio: 0.26
• Price to Book (P/B): 2.22
• Price to Sales (P/S): 0.40
• P/FCF Ratio: 7.70
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 67 Neutral
• Price Target: 1,289.00 ▲(15.30% Upside)

Tiv Taam's stock score is driven by solid financial performance, with strong revenue growth and effective cash management. However, high leverage poses a financial risk. The technical analysis shows a strong upward trend, but overbought indicators suggest caution. The valuation is fair, providing a balanced view of the stock's potential.

Positive Factors

Stable gross margins and revenue trend

Stable gross profit margins near 33% combined with a consistent TTM revenue growth indicate durable cost control and pricing power in a low-margin grocery sector. This supports steady operating cash generation and resilience to moderate demand fluctuations over the medium term.

Strong free cash flow growth

An 18.77% rise in free cash flow and a healthy FCF-to-net-income ratio (0.63) show improving cash conversion and internal funding capacity. This strengthens the company's ability to fund capex, dividends, and debt service without heavy external financing, enhancing medium-term financial flexibility.

High return on equity

A 19.29% ROE indicates management effectively deploys shareholder capital to generate profits. High ROE reflects operational efficiency and supports sustainable internal capital formation, which can drive shareholder value and fund growth initiatives over the next several months.

Negative Factors

High leverage

A debt-to-equity ratio around 2.01 signals substantial leverage, raising interest burden and reducing financial flexibility. Elevated debt makes the company more vulnerable to revenue shocks or rising rates and may constrain investment, M&A, or dividend policies in the medium term.

Low net profit margin

A net margin near 3.42% gives a thin buffer against cost inflation or competitive price pressure in the retail sector. Low net profitability limits the firm’s ability to build reserves, reinvest in the business, or absorb sustained input cost increases without eroding shareholder returns.

Operating cash flow below net income

OCF below net income suggests not all reported profits convert into cash, possibly due to working capital or accruals. This reduces earnings quality and, combined with high leverage, could strain liquidity for operations, capex, or debt repayments over the coming months.

Tiv Taam Business Overview & Revenue Model

Company Description

Tiv Taam Holdings 1 Ltd. owns and operates a chain of food retail stores in Israel. The company provides fruits and vegetables, meat and chicken products, fish and sea fruits, eggs, milk, salads, cheese products, sausages, breads and pastries, canned food pasta dressing and spreads, nuts, seeds, snacks, dried fruits, spices, cereal snacks and sweets, frozen vegetables and fruits, frozen food and concentrates, beverages, wine/beer and alcohol products, cigarettes, bath and cosmetics, housewares, kitchen products, toys, stationery and office products, leisure products, electrical and lighting accessories, and home care and animal products. It also offers its products through online. The company was formerly known as World Group Holdings Ltd. and changed its name to Tiv Taam Holdings 1 Ltd. in May 2007. The company was founded in 1965 and is based in Hadera, Israel.

How the Company Makes Money

Tiv Taam generates revenue primarily through the sale of grocery and household products in its supermarkets. Key revenue streams include the sale of fresh food items like fruits, vegetables, meats, and dairy products, as well as packaged goods and household essentials. The company also benefits from its online sales platform, which allows customers to order groceries for home delivery, expanding its market reach. Additionally, Tiv Taam may engage in partnerships with local suppliers and producers to source unique products, enhancing its inventory and attracting a loyal customer base. Seasonal promotions and special offers further drive sales, contributing to its overall earnings.

Tiv Taam Financial Statement Overview

Summary

Tiv Taam exhibits solid revenue growth and stable gross margins, though profitability could be enhanced. The balance sheet shows high leverage, which may increase financial risk, but strong ROE indicates efficient equity utilization. Cash flow metrics are positive, with significant free cash flow growth, underscoring effective cash management.

Income Statement

Tiv Taam shows a consistent revenue growth trend with a TTM growth rate of 3.76%. The gross profit margin is stable at around 33%, indicating efficient cost management. However, the net profit margin is relatively low at 3.42%, suggesting room for improvement in profitability. EBIT and EBITDA margins are moderate, reflecting steady operational performance.

Balance Sheet

The company has a high debt-to-equity ratio of 2.01, indicating significant leverage, which could pose financial risks. However, the return on equity is strong at 19.29%, showcasing effective use of equity to generate profits. The equity ratio is moderate, suggesting a balanced asset structure.

Cash Flow

Tiv Taam demonstrates positive free cash flow growth of 18.77%, indicating improved cash generation. The operating cash flow to net income ratio is below 1, suggesting that not all net income is converted into cash. The free cash flow to net income ratio is healthy at 0.63, highlighting good cash flow management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	1.98B	1.86B	1.68B	1.60B	1.59B	1.58B
Gross Profit	658.05M	602.55M	540.20M	527.70M	526.20M	515.80M
EBITDA	236.66M	217.02M	127.94M	201.79M	201.75M	195.49M
Net Income	67.51M	58.03M	37.65M	61.10M	70.04M	61.35M
Balance Sheet
Total Assets	1.54B	1.26B	1.24B	1.19B	1.07B	1.04B
Cash, Cash Equivalents and Short-Term Investments	57.61M	23.63M	15.01M	43.48M	48.64M	34.52M
Total Debt	740.94M	593.71M	633.82M	610.57M	503.03M	542.42M
Total Liabilities	1.17B	929.10M	957.49M	922.72M	831.69M	865.53M
Stockholders Equity	368.47M	332.44M	287.06M	262.69M	236.90M	175.60M
Cash Flow
Free Cash Flow	124.62M	95.92M	50.55M	49.54M	108.77M	208.40M
Operating Cash Flow	198.11M	156.88M	137.15M	105.64M	158.11M	246.46M
Investing Cash Flow	-145.46M	-60.95M	-95.55M	-57.86M	-49.06M	-35.70M
Financing Cash Flow	-26.54M	-87.32M	-70.07M	-52.94M	-94.92M	-190.32M

Tiv Taam Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1118.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IL:TTAM, the sentiment is Positive. The current price of 1118 is below the 20-day moving average (MA) of 1145.00, above the 50-day MA of 1098.66, and above the 200-day MA of 891.22, indicating a bullish trend. The MACD of 5.29 indicates Positive momentum. The RSI at 56.80 is Neutral, neither overbought nor oversold. The STOCH value of 60.87 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IL:TTAM.

Tiv Taam Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
NTO	72 Outperform	₪972.44M	13.02	―	―	8.20%	-12.69%
TTAM	67 Neutral	₪1.20B	17.73	―	1.69%	9.07%	38.76%
Sector *	62 Neutral	$20.33B	14.63	-3.31%	3.23%	1.93%	-12.26%
VCTR	62 Neutral	₪774.54M	26.19	―	3.30%	-1.61%	-45.19%
GLRS	56 Neutral	₪562.73M	8.95	―	6.97%	―	―