Jacob Finance & Investments Ltd. (JCFN) AI Stock Analysis

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Jacob Finance & Investments Ltd.

(TASE:JCFN)

Select Model

Rating:74Outperform

Price Target:ILA 3,063.00▲(7.62% Upside)

Action:reiterated

Date:11/11/26

Jacob Finance & Investments achieves a respectable score driven by outstanding top- and bottom-line growth, strong profitability, and a highly attractive valuation featuring a low P/E ratio and robust dividend yield. However, the score is constrained by poor technical momentum, as the stock remains locked in a bearish downtrend below key moving averages.

Positive Factors

Revenue and Earnings GrowthRecent revenue and EPS growth indicate that the company has continued expanding its earnings base rather than relying solely on cost control. If maintained, this growth can strengthen internal capital generation, support reinvestment, and improve resilience across the next several quarters.

Negative Factors

High Financial LeverageElevated debt relative to equity leaves the company more exposed to funding costs, credit losses, and broader market stress. The comparatively modest equity base reduces the cushion available to absorb adverse outcomes and can constrain capital allocation when balance-sheet risks rise.

Jacob Finance & Investments Ltd. (JCFN) vs. iShares MSCI Israel ETF (EIS)

Market Cap: ILS 699.67M
Dividend Yield: 0.04%
Average Volume (3M): 16.75K
Price to Earnings (P/E): 7.9
Beta (1Y): 0.82
Revenue Growth: 20.00%
EPS Growth: 14.06%
Country: Israel
Employees: 12
Sector: General
Sector Strength: 55
Industry: Financial - Credit Services

Jacob Finance & Investments Ltd. Business Overview & Revenue Model

Company Description

Jacob Finance and Investments Ltd, founded in 2009, offers financial lending solutions distinct from conventional banking and is headquartered in Tel Aviv, Israel.

Jacob Finance & Investments Ltd. Financial Statement Overview

Summary

Jacob Finance & Investments shows excellent financial health, driven by unbroken revenue and earnings growth alongside exceptional profit margins. A successful transition to strong free cash flow and a steady ROE of ~19% are key strengths, though structural debt leverage warrants monitoring.

Income Statement

90Very Positive

Balance Sheet

75Positive

Cash Flow

82Very Positive

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	245.22M	227.52M	173.72M	152.06M	109.02M	48.62M
Gross Profit	215.87M	224.71M	99.30M	85.28M	76.85M	37.00M
EBITDA	207.35M	216.24M	90.23M	74.18M	61.81M	31.65M
Net Income	87.37M	82.46M	69.53M	56.81M	47.49M	24.33M
Balance Sheet
Total Assets	3.40B	3.03B	2.27B	1.48B	1.55B	1.40B
Cash, Cash Equivalents and Short-Term Investments	50.16M	627.00K	10.64M	39.00K	16.17M	775.00K
Total Debt	2.90B	2.57B	1.83B	1.14B	1.29B	1.34B
Total Liabilities	2.91B	2.58B	1.89B	1.18B	1.30B	1.37B
Stockholders Equity	489.72M	454.29M	371.76M	301.83M	244.80M	32.51M
Cash Flow
Free Cash Flow	52.61M	81.28M	10.60M	-16.35M	-149.38M	-18.31M
Operating Cash Flow	52.63M	81.34M	10.61M	-16.34M	-149.38M	-18.23M
Investing Cash Flow	-842.27M	-839.18M	-10.00K	-11.00K	8,000	-80.00K
Financing Cash Flow	838.90M	747.83M	0	216.00K	164.78M	6.50M

Jacob Finance & Investments Ltd. Technical Analysis

Technical Analysis SentimentPositive

Last Price2846.00

Price Trends

50DMA2786.68Positive

100DMA2805.38Positive

200DMA2962.12Negative

Market Momentum

MACD-4.74Negative

RSI59.30Neutral

STOCH65.36Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IL:JCFN, the sentiment is Positive. The current price of 2846.00 is above the 20-day moving average (MA) of 2766.85, above the 50-day MA of 2786.68, and below the 200-day MA of 2962.12, indicating a neutral trend. The MACD of -4.74 indicates Negative momentum. The RSI at 59.30 is Neutral, neither overbought nor oversold. The STOCH value of 65.36 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IL:JCFN.

Jacob Finance & Investments Ltd. Peers Comparison

Overall Rating

UnderperformOutperform

Sector (55)

Financial Indicators

IL:JCFN against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
IL:JCFN	74Outperform	ILS 692.54M	7.93	―	0.04%	20.00%	14.06%
IL:DIFI	66Neutral	ILS 1.66B	7.82	―	8.71%	-1.75%	91.68%
IL:MCLL	65Neutral	ILS 714.21M	10.89	―	―	21.55%	14.68%
IL:NAWI	61Neutral	ILS 1.45B	6.06	―	3.89%	33.11%	48.58%
IL:MNIF	56Neutral	ILS 1.30B	6.45	―	8.39%	13.66%	20.34%
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%

* General Sector Average

Performance Comparison

IL:JCFN and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
IL:JCFN	Jacob Finance & Investments Ltd.	2846.00	-579.07	-16.91%
IL:NAWI	Nawi Brothers Group Ltd	4414.00	-673.58	-13.24%
IL:MNIF	Menif - Financial Services Ltd.	2089.00	93.72	4.70%
IL:DIFI	DIRECT FINANCE OF DIRECT GROUP (2006)LTD	54750.00	4185.61	8.28%
IL:MCLL	Michlol Finance Ltd	1432.00	76.00	5.60%

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: Nov 10, 2026

Jacob Finance & Investments Ltd. AI Stock Analysis