Clal Insurance (CLIS) AI Stock Analysis

1 Followers

Clal Insurance

(TASE:CLIS)

Select Model

Rating:64Neutral

Price Target:ILA 28,794.00▲(7.00% Upside)

Action:reiterated

Date:08/20/26

The score is driven primarily by improved profitability and strong ROE, offset by higher balance-sheet risk from sharply increased leverage and volatile revenue/cash-flow history. Valuation is a clear positive (low P/E with a moderate dividend), while technical signals are mixed with negative MACD despite moderately positive RSI/Stoch and price strength versus shorter moving averages.

Positive Factors

Strong profitability and returnsThe rebound in net and operating profitability, together with ROE above 20%, indicates strong current earnings power on shareholder capital. If these returns remain supported by insurance and investment operations, they can provide internal capacity to strengthen the balance sheet and fund growth.

Negative Factors

Sharp increase in leverageThe large step-up in debt relative to equity materially reduces balance-sheet flexibility compared with prior years. Higher leverage increases sensitivity to adverse investment or underwriting outcomes and can constrain the capital available for future growth, distributions, or resilience.

Clal Insurance (CLIS) vs. iShares MSCI Israel ETF (EIS)

Market Cap: ILS 21.76B
Dividend Yield: 1.84%
Average Volume (3M): 269.61K
Price to Earnings (P/E): 9.2
Beta (1Y): 1.74
Revenue Growth: -30.50%
EPS Growth: 67.45%
Country: Israel
Employees: 3,610
Sector: General
Sector Strength: 55
Industry: Insurance - Diversified

Clal Insurance Business Overview & Revenue Model

Company Description

Clal Insurance Enterprises Holdings Ltd., an Israeli firm, delivers a comprehensive array of insurance solutions. Its business operations are structured into three main divisions: Long-Term Savings, Non-Life Insurance, and Health Insurance. The Long-...

How the Company Makes Money

Clal Insurance primarily makes money through a combination of (1) underwriting income on insurance policies, (2) investment income on assets it manages and invests, and (3) fees and charges related to long-term savings and asset-management-type activ...

Clal Insurance Financial Statement Overview

Summary

Profitability and returns have rebounded (TTM net margin ~10.7%, EBIT margin ~20.1%, ROE ~22.3%), but results remain higher-risk due to pronounced revenue volatility (TTM revenue down ~22.8% YoY), a sharp leverage increase (debt-to-equity ~1.68 vs. ~0.08–0.09 in 2023–2024), and historically inconsistent cash generation despite currently positive OCF/FCF.

Income Statement

66Positive

Balance Sheet

58Neutral

Cash Flow

60Neutral

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	16.62B	15.13B	26.83B	21.45B	7.31B	25.06B
Gross Profit	15.15B	15.13B	25.93B	20.43B	6.11B	24.00B
EBITDA	4.97B	4.77B	2.33B	1.46B	729.00M	2.14B
Net Income	2.39B	2.28B	718.00M	220.00M	121.00M	1.08B
Balance Sheet
Total Assets	195.87B	188.36B	170.10B	163.62B	144.62B	145.51B
Cash, Cash Equivalents and Short-Term Investments	4.27B	4.06B	20.15B	8.64B	13.90B	26.53B
Total Debt	19.58B	17.31B	15.54B	777.00M	5.13B	4.86B
Total Liabilities	184.24B	177.44B	160.57B	154.97B	136.56B	137.73B
Stockholders Equity	11.54B	10.83B	9.45B	8.58B	8.00B	7.72B
Cash Flow
Free Cash Flow	1.72B	2.18B	1.32B	-4.64B	-2.80B	6.87B
Operating Cash Flow	1.89B	2.24B	1.38B	-4.31B	-2.59B	7.09B
Investing Cash Flow	-2.23B	-2.35B	-1.08B	-2.24B	-365.96M	-162.00M
Financing Cash Flow	2.56B	1.47B	-79.00M	1.44B	785.33M	16.00M

Clal Insurance Technical Analysis

Technical Analysis SentimentPositive

Last Price26910.00

Price Trends

50DMA27878.60Negative

100DMA25570.00Positive

200DMA25129.84Positive

Market Momentum

MACD-501.95Positive

RSI47.35Neutral

STOCH58.23Neutral

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 26910.00 is below the 20-day moving average (MA) of 27743.50, below the 50-day MA of 27878.60, and above the 200-day MA of 25129.84, indicating a neutral trend. The MACD of -501.95 indicates Positive momentum. The RSI at 47.35 is Neutral, neither overbought nor oversold. The STOCH value of 58.23 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

Overall Rating

UnderperformOutperform

Sector (55)

Financial Indicators

IL:CLIS against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
IL:PHOE	79Outperform	ILS 44.01B	13.26	―	3.19%	10.88%	24.40%
IL:MMHD	77Outperform	ILS 32.07B	12.81	―	3.12%	18.14%	49.80%
IL:HARL	74Outperform	ILS 38.69B	11.80	23.23%	3.74%	14.74%	70.44%
IL:MGDL	71Outperform	ILS 19.03B	9.98	―	―	2.14%	116.73%
IL:AYAL	66Neutral	ILS 4.66B	9.84	―	2.97%	―	―
IL:CLIS	64Neutral	ILS 22.01B	9.16	―	1.84%	-30.50%	67.45%
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%

* General Sector Average

Performance Comparison

IL:CLIS and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
IL:CLIS	Clal Insurance Enterprises Holdings	26910.00	7096.02	35.81%
IL:HARL	Harel Insurance Investments & Financial Services	18610.00	6516.54	53.88%
IL:MGDL	Migdal Insurance & Financial Holdings Ltd.	1784.00	426.00	31.37%
IL:PHOE	Phoenix Holdings Ltd.	17320.00	4103.92	31.05%
IL:MMHD	Menora Mivtachim Holdings Ltd.	51330.00	15198.71	42.07%
IL:AYAL	Ayalon Holdings Ltd.	15780.00	7433.94	89.07%

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: Aug 20, 2026

Clal Insurance AI Stock Analysis