Clal Insurance (CLIS) AI Stock Analysis

• Market Cap: 13.48B
• Dividend Yield: 2.24%
• Average Volume (3M): 354.75K
• Price to Earnings (P/E): 9.5
• Beta (1Y): 1.90
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: IL
• Employees: 3,653
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Diversified
• EPS (TTM): 677.50
• Shares Outstanding: 80,044,260
• 10 Day Avg. Volume: 320,798
• 30 Day Avg. Volume: 354,754
• PEG Ratio: 0.04
• Price to Book (P/B): 0.72
• Price to Sales (P/S): 0.25
• P/FCF Ratio: 5.75
• 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: Moderate Buy
• Number of Analyst Covering: 0

• Rating: 76 Outperform
• Price Target: 18,356.00 ▲(9.00% Upside)

Clal Insurance's strong financial performance and attractive valuation are the main strengths, offset by technical indicators suggesting neutral momentum. High leverage remains a concern.

Clal Insurance Business Overview & Revenue Model

Company Description

Clal Insurance Enterprises Holdings Ltd. provides insurance services in Israel. It operates through three segments: Long-Term Savings, Non-Life insurance, and Health Insurance. The Long-Term Savings segment offers life insurance products and accompanying coverages; long-term savings for various insurance policies, and pension and provident funds, including study funds; and insurance coverage for various risks, such as death, disability, loss of working capacity, and health insurance policies. The Non-life Insurance segment offers third party, employers', professional, and product liability insurance products; credit and foreign trade risks; and property, motor, personal accident, and other insurance products, as well as guarantees. The Health Insurance segment provides long-term care, medical expenses, surgeries, transplants, personal accidents, international travel, dental, foreign workers, and other insurance products. Clal Insurance Enterprises Holdings Ltd. was incorporated in 1987 and is based in Tel Aviv-Yafo, Israel.

How the Company Makes Money

Clal Insurance makes money primarily through the premiums collected from its insurance policyholders across its various offerings, including life, health, and general insurance products. Additionally, the company earns revenue from managing pension funds and investment activities, where it invests the premiums collected to generate returns. Clal Insurance also benefits from strategic partnerships and collaborations that enhance its product offerings and market reach. The company leverages its strong brand and extensive distribution network to maintain a significant market share and drive growth in its key revenue streams.

Clal Insurance Financial Statement Overview

Summary

Clal Insurance shows strong revenue growth and profitability, with effective cost management and operational efficiency. However, high leverage on the balance sheet poses potential risks, and further cash flow optimization is needed.

Income Statement

Clal Insurance demonstrates robust revenue growth with a 23.84% increase in TTM, indicating strong market performance. The company maintains healthy profitability with a gross profit margin exceeding 100% and a net profit margin of 5.09%. EBIT and EBITDA margins are also solid at 10.41% and 12.21%, respectively, reflecting efficient operations. However, the net profit margin, while improved, suggests room for further enhancement in cost management.

Balance Sheet

The balance sheet shows a high debt-to-equity ratio of 1.66, indicating significant leverage, which could pose risks in volatile markets. However, the return on equity is strong at 15.13%, showcasing effective use of equity to generate profits. The equity ratio is not provided, but the company's substantial total assets suggest a stable asset base.

Cash Flow

Clal Insurance's cash flow is improving, with a significant 56.32% growth in free cash flow, indicating enhanced cash generation capabilities. The free cash flow to net income ratio of 76.43% suggests effective conversion of profits into cash. However, the operating cash flow to net income ratio is unavailable, which limits a full assessment of cash flow efficiency.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	27.69B	26.83B	21.45B	7.31B	25.06B	14.71B
Gross Profit	27.98B	26.34B	21.45B	7.31B	25.06B	14.64B
EBITDA	3.38B	2.33B	1.46B	729.00M	2.14B	949.29M
Net Income	1.41B	718.00M	220.00M	121.00M	1.08B	438.68M
Balance Sheet
Total Assets	178.97B	170.10B	163.62B	144.62B	145.51B	124.48B
Cash, Cash Equivalents and Short-Term Investments	7.06B	20.15B	8.64B	13.90B	26.53B	17.72B
Total Debt	15.72B	775.00M	777.00M	5.13B	4.86B	4.64B
Total Liabilities	169.40B	160.57B	154.97B	136.56B	137.73B	118.13B
Stockholders Equity	9.49B	9.45B	8.58B	8.00B	7.72B	6.30B
Cash Flow
Free Cash Flow	1.35B	1.32B	-4.64B	-2.80B	6.87B	-1.47B
Operating Cash Flow	1.76B	1.38B	-4.31B	-2.59B	7.09B	-1.25B
Investing Cash Flow	-2.32B	-1.08B	-2.24B	-365.96M	-162.00M	-379.62M
Financing Cash Flow	443.00M	-79.00M	1.44B	785.33M	16.00M	-194.31M

Clal Insurance Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 16840.00
• 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:CLIS, the sentiment is Positive. The current price of 16840 is above the 20-day moving average (MA) of 16208.50, above the 50-day MA of 16357.60, and above the 200-day MA of 12310.81, indicating a bullish trend. The MACD of 70.11 indicates Negative momentum. The RSI at 53.46 is Neutral, neither overbought nor oversold. The STOCH value of 54.52 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IL:CLIS.

Clal Insurance Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PHOE	77 Outperform	30.37B	11.14	―	3.96%	18.37%	92.33%
CLIS	76 Outperform	13.48B	9.48	―	2.24%	―	―
MMHD	75 Outperform	19.62B	11.74	―	3.65%	28.29%	74.13%
HARL	71 Outperform	22.40B	11.62	19.01%	2.90%	16.52%	108.70%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
IDIN	67 Neutral	2.81B	8.74	―	7.97%	24.23%	48.82%
MGDL	66 Neutral	11.80B	13.43	―	0.47%	24.69%	-28.38%