Idi Insur (IDIN) AI Stock Analysis

• Market Cap: 2.81B
• Dividend Yield: 7.97%
• Average Volume (3M): 34.93K
• Price to Earnings (P/E): 8.7
• Beta (1Y): 1.37
• Revenue Growth: 24.23%
• EPS Growth: 48.82%
• Country: IL
• Employees: 1,693
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Diversified
• EPS (TTM): 642.50
• Shares Outstanding: 14,773,255
• 10 Day Avg. Volume: 38,452
• 30 Day Avg. Volume: 34,934
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• 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

• Rating: 67 Neutral
• Price Target: 21,450.00 ▲(14.10% Upside)

Idi Insur's strong valuation and financial performance are the primary drivers of its score. The stock's attractive P/E ratio and high dividend yield make it appealing despite technical indicators suggesting bearish momentum. Financial health is solid, but technical analysis indicates potential short-term challenges.

Idi Insur Business Overview & Revenue Model

Company Description

I.D.I. Insurance Company Ltd. provides insurance products and services to individuals and corporate customers in Israel. It offers life, health, personal accidents, business, car, home, travel, mortgage, and motorcycle insurance, as well as professional liability insurance for lawyers; and direct financing and savings plans. The company was founded in 2006 and is headquartered in Petah Tikva, Israel.

How the Company Makes Money

Idi Insur generates revenue primarily through the collection of insurance premiums from policyholders. These premiums are paid periodically and constitute the core income stream for the company. In addition to premiums, IDIN earns investment income by investing the premiums collected in a diversified portfolio of assets, including stocks, bonds, and real estate. The company also benefits from strategic partnerships with financial institutions and brokers, which help in expanding their market reach and boosting sales. Furthermore, IDIN may receive additional income from reinsurance arrangements, where it manages risk by sharing some of its liabilities with other insurance companies.

Idi Insur Financial Statement Overview

Summary

Idi Insur shows strong financial health with steady revenue growth and profitability. The balance sheet is balanced, though leverage needs monitoring. Cash flow management has areas for improvement, but operational cash generation remains solid.

Income Statement

Idi Insur has demonstrated a solid revenue growth trajectory with significant improvement in net income over the years, indicating strong operational performance. The gross profit margin is robust, reflecting effective cost management. However, the EBIT margin saw fluctuations due to varying operational efficiencies in different years.

Balance Sheet

The company's equity ratio indicates a well-balanced use of equity to finance assets, although the debt-to-equity ratio suggests a moderate level of leverage that could be a risk if not managed properly. The return on equity is healthy, showing good returns generated on shareholders' investments.

Cash Flow

Cash flow performance is mixed, with fluctuations in free cash flow growth. While operating cash flow to net income ratio shows positive cash generation from operations, the free cash flow to net income ratio indicates some constraints in converting earnings into free cash flow due to capital expenditures.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	3.67B	3.52B	2.73B	2.20B	2.16B	2.12B
Gross Profit	3.26B	3.06B	2.73B	2.20B	2.16B	2.12B
EBITDA	602.45M	497.95M	287.43M	185.27M	365.80M	375.97M
Net Income	319.62M	257.08M	139.21M	84.44M	201.20M	207.32M
Balance Sheet
Total Assets	6.38B	7.13B	6.44B	6.20B	6.30B	6.07B
Cash, Cash Equivalents and Short-Term Investments	270.26M	98.45M	257.87M	253.20M	705.96M	360.00M
Total Debt	0.00	583.86M	541.92M	69.88M	73.24M	578.78M
Total Liabilities	5.18B	6.14B	5.52B	5.35B	5.44B	5.26B
Stockholders Equity	1.19B	988.82M	926.00M	855.52M	862.16M	814.09M
Cash Flow
Free Cash Flow	73.40M	48.20M	95.93M	-211.78M	372.32M	53.38M
Operating Cash Flow	177.20M	143.42M	193.65M	-130.23M	456.43M	129.50M
Investing Cash Flow	-100.47M	-91.94M	-97.65M	-79.02M	-98.57M	-73.86M
Financing Cash Flow	-45.23M	-211.99M	-93.05M	-244.47M	-11.54M	-73.28M

Idi Insur Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 18800.00
• 50DMA: Negative
• 100DMA: Negative
• 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:IDIN, the sentiment is Negative. The current price of 18800 is below the 20-day moving average (MA) of 19996.50, below the 50-day MA of 20646.43, and above the 200-day MA of 17582.12, indicating a neutral trend. The MACD of -562.34 indicates Positive momentum. The RSI at 39.22 is Neutral, neither overbought nor oversold. The STOCH value of 19.02 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IL:IDIN.

Idi Insur Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CLIS	76 Outperform	13.48B	9.48	―	2.24%	―	―
MMHD	75 Outperform	19.62B	11.74	―	3.65%	28.29%	74.13%
AYAL	75 Outperform	1.89B	11.28	―	6.07%	22.57%	73.32%
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%