Yochananof (YHNF) AI Stock Analysis

• Market Cap: ₪5.23B
• Dividend Yield: 2.33%
• Average Volume (3M): 24.26K
• Price to Earnings (P/E): 25.6
• Beta (1Y): 0.98
• Revenue Growth: 7.38%
• EPS Growth: -7.10%
• Country: IL
• Employees: 2,444
• Sector: Services
• Sector Strength: N/A
• Industry: Grocery Stores
• EPS (TTM): 268.60
• Shares Outstanding: 14,487,860
• 10 Day Avg. Volume: 17,324
• 30 Day Avg. Volume: 24,260
• PEG Ratio: 0.31
• Price to Book (P/B): 2.22
• Price to Sales (P/S): 0.71
• P/FCF Ratio: 11.05
• 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): 20.4
• Revenue Forecast (FY): ₪5.69B

• Rating: 66 Neutral
• Price Target: 41,045.00 ▲(21.80% Upside)
• Action: Downgraded Date: 12/20/25
• Date: Action: Downgraded 12/20/25

Yochananof's strong financial performance and positive technical indicators are offset by its high valuation and overbought technical conditions. The company's solid revenue growth and profitability are significant strengths, but the high P/E ratio and overbought signals suggest caution. Investors should monitor for any potential pullback or changes in market conditions.

Positive Factors

Revenue Growth

Sustained TTM revenue growth of ~13% signals durable demand expansion across stores and channels. Over a 2–6 month horizon this supports scale economies, stronger supplier terms, and continued reinvestment in stores and online, underpinning long-term top-line momentum.

Return on Equity

ROE of 13.5% indicates the company efficiently converts equity into profits relative to peers. This level of return supports reinvestment and dividend capacity, reflecting durable operational effectiveness and managerial allocation of capital over multiple quarters.

Free Cash Flow Growth

FCF growth of ~5% TTM shows improving cash generation, enhancing capacity to fund capex, service debt, and finance working capital without dilutive financing. Over months this strengthens financial flexibility and supports strategic investments in operations and e-commerce.

Negative Factors

Moderate Leverage

A debt/equity ratio of 1.31 signals meaningful reliance on debt financing. In a rising-rate or profit-challenged environment this leverage can constrain investment choices, increase interest expense sensitivity, and reduce resilience to macro shocks across the next several quarters.

Margin Pressure

Reported slight margin declines indicate creeping cost pressures or competitive pricing tradeoffs. If persistent, margin erosion will reduce free cash flow and profitability, forcing either price increases that risk volume or structural cost cuts that may harm service and growth.

Cash Conversion Gap

A FCF/net income ratio under 1 and operating cash flow only ~36% of net income highlight earnings not fully converting to cash. This gap constrains ability to deleverage or invest without external funding and raises risk during earnings or working-capital swings.

Yochananof Business Overview & Revenue Model

Company Description

Yochananof (YHNF) is a prominent retail chain based in Israel, specializing in grocery and supermarket operations. The company operates a network of stores offering a wide range of products, including fresh produce, dairy, meat, bakery items, and household goods. YHNF focuses on providing high-quality products and exceptional customer service, catering to the diverse needs of its local community while also emphasizing sustainability and local sourcing.

How the Company Makes Money

Yochananof generates revenue primarily through the sale of groceries and related products in its retail stores. The company operates on a traditional retail model, earning money from direct product sales to consumers. Key revenue streams include in-store purchases, online grocery orders, and delivery services. Additionally, YHNF may benefit from partnerships with local farmers and suppliers, which can enhance product offerings and support local economies. Seasonal promotions, loyalty programs, and value-added services, such as catering and meal kits, also contribute to revenue growth. The company might leverage its brand reputation and customer loyalty to drive repeat business, increasing overall sales.

Yochananof Financial Statement Overview

Summary

Yochananof demonstrates strong revenue growth and profitability, with stable financial metrics. The company faces challenges in maintaining margins and managing leverage, but overall, it remains in a solid financial position. Continued focus on cost management and cash flow optimization will be crucial for sustaining growth and financial health.

Income Statement

Yochananof's income statement shows a solid revenue growth trajectory, with a TTM revenue growth rate of 13.32%. The company maintains healthy profitability margins, including a gross profit margin of 19.40% and a net profit margin of 4.17% for the TTM. However, there is a slight decline in margins compared to the previous year, indicating potential cost pressures or competitive pricing strategies.

Balance Sheet

The balance sheet reflects a stable financial position with a debt-to-equity ratio of 1.31, indicating moderate leverage. The return on equity is 13.54%, showcasing efficient use of equity to generate profits. However, the equity ratio is relatively low, suggesting a higher reliance on debt financing, which could pose risks in a rising interest rate environment.

Cash Flow

Yochananof's cash flow statement reveals a positive free cash flow growth of 5.11% in the TTM, indicating improved cash generation. The operating cash flow to net income ratio is 0.36, suggesting adequate cash flow generation relative to net income. However, the free cash flow to net income ratio of 0.68 indicates that a significant portion of earnings is not translating into free cash flow, which may impact future investments or debt repayments.

Breakdown	TTM	Mar 2025	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	4.86B	4.60B	4.09B	3.72B	3.49B	3.12B
Gross Profit	814.98M	1.02B	1.11B	1.02B	941.52M	831.38M
EBITDA	573.72M	594.09M	480.65M	419.99M	479.23M	373.95M
Net Income	187.90M	210.35M	139.31M	126.46M	210.32M	127.27M
Balance Sheet
Total Assets	4.41B	4.19B	3.98B	3.80B	3.35B	2.66B
Cash, Cash Equivalents and Short-Term Investments	381.77M	346.18M	326.57M	330.50M	464.99M	229.32M
Total Debt	1.87B	1.87B	1.81B	1.78B	1.32B	1.27B
Total Liabilities	2.87B	2.68B	2.55B	2.45B	2.00B	1.85B
Stockholders Equity	1.52B	1.48B	1.40B	1.32B	1.33B	810.51M
Cash Flow
Free Cash Flow	255.75M	297.32M	179.51M	-324.43M	78.95M	149.95M
Operating Cash Flow	376.98M	433.02M	358.80M	310.20M	331.49M	311.26M
Investing Cash Flow	-72.11M	-140.97M	-179.82M	-602.15M	-297.89M	-171.39M
Financing Cash Flow	-244.12M	-272.43M	-182.91M	157.47M	202.07M	-91.79M

Yochananof Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 33700.00
• 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:YHNF, the sentiment is Neutral. The current price of 33700 is below the 20-day moving average (MA) of 37509.50, below the 50-day MA of 37220.80, and above the 200-day MA of 31360.72, indicating a neutral trend. The MACD of -2.97 indicates Positive momentum. The RSI at 41.23 is Neutral, neither overbought nor oversold. The STOCH value of 16.60 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IL:YHNF.

Yochananof Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MAXO	76 Outperform	₪3.91B	17.81	―	3.06%	9.97%	15.86%
NTML	73 Outperform	₪3.35B	9.28	―	4.18%	8.53%	39.35%
RMLI	70 Outperform	₪5.44B	20.25	―	4.01%	6.10%	-9.48%
SAE	67 Neutral	₪11.87B	17.80	17.20%	4.88%	-6.86%	6.82%
YHNF	66 Neutral	₪5.23B	25.60	―	2.33%	7.38%	-7.10%
TRPZ	57 Neutral	₪7.36B	111.82	―	0.46%	44.88%	21.45%
Sector *	55 Neutral	$13.29B	17.42	10.03%	0.93%	7.13%	-12.93%