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Clal Insurance
(TASE:CLIS)
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Rating:64Neutral
Price Target:
31,126.00
▲(20.36% 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 ROE
The rebound in net and operating margins, alongside ROE above 20%, indicates strong current earnings power and effective use of shareholder capital. If profitability remains resilient across insurance and investment activities, it can support internal reinvestment and strengthen the company’s competitive position.
Negative Factors
Sharp Increase in Leverage
The sharp 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, while potentially constraining capital allocation and the ability to absorb prolonged weakness.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Profitability and ROE
The rebound in net and operating margins, alongside ROE above 20%, indicates strong current earnings power and effective use of shareholder capital. If profitability remains resilient across insurance and investment activities, it can support internal reinvestment and strengthen the company’s competitive position.
Read all positive factors
Clal Insurance (CLIS) vs. iShares MSCI Israel ETF (EIS)
Market Cap
₪23.55B
Dividend Yield1.7%
Average Volume (3M)244.59K
Price to Earnings (P/E)9.8
Beta (1Y)1.76
Revenue Growth-30.50%
EPS Growth67.45%
CountryIL
Employees3,610
SectorGeneral
Sector StrengthN/A
IndustryInsurance - Diversified
Share Statistics
EPS (TTM)29.72
Shares Outstanding80,958,490
10 Day Avg. Volume260,012
30 Day Avg. Volume244,587
Financial Highlights & Ratios
PEG Ratio0.03
Price to Book (P/B)1.52
Price to Sales (P/S)1.08
P/FCF Ratio7.52
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)27.38
Revenue Forecast (FY)₪9.22B
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 Lo...
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 ac...
Clal Insurance Financial Statement Overview
Summary
Income Statement
66
Positive
Balance Sheet
58
Neutral
Cash Flow
60
Neutral
| 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 | 775.00M | 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
Positive
25860.00
Price Trends
25500.20
Positive
25445.80
Positive
24214.08
Positive
Market Momentum
1140.38
Positive
64.23
Neutral
57.11
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 25860 is below the 20-day moving average (MA) of 28340.00, above the 50-day MA of 25500.20, and above the 200-day MA of 24214.08, indicating a bullish trend. The MACD of 1140.38 indicates Positive momentum. The RSI at 64.23 is Neutral, neither overbought nor oversold. The STOCH value of 57.11 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
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | ₪45.74B | 13.78 | ― | 3.05% | 10.88% | 24.40% | |
75 Outperform | ₪32.28B | 12.89 | ― | 3.10% | 18.14% | 49.80% | |
74 Outperform | ₪5.36B | 11.31 | ― | 2.48% | ― | ― | |
71 Outperform | ₪40.78B | 12.44 | 23.23% | 3.51% | 14.74% | 70.44% | |
66 Neutral | ₪21.64B | 11.34 | ― | 0.77% | 2.14% | 116.73% | |
64 Neutral | ₪23.55B | 9.79 | ― | 1.70% | -30.50% | 67.45% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IL:CLIS
Clal Insurance
29,090.00
12,588.15
76.28%
IL:HARL
Harel
19,840.00
9,052.91
83.92%
IL:MGDL
Migdal Insur.
2,042.00
902.00
79.12%
IL:PHOE
Phoenix
18,110.00
6,016.23
49.75%
IL:MMHD
Menora Miv Hld
51,660.00
20,308.09
64.77%
IL:AYAL
Ayalon Hold.
18,890.00
12,476.63
194.54%
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.