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Michlol Fin
(TASE:MCLL)
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Rating:64Neutral
Price Target:
1,364.00
▲(6.73% Upside)
Action:Reiterated
Date:08/27/26
The score is driven primarily by strong profitability and improved recent cash generation, tempered by high and rising leverage. Valuation is supportive with a low P/E and moderate dividend yield, but weak technical indicators (below major moving averages with negative MACD and low RSI) weigh on the overall score.
Positive Factors
Strong Profitability
High net and operating margins indicate strong profitability in the credit-services model. If maintained, this provides capacity to absorb credit losses, fund growth, and support shareholder returns over the medium term.
Negative Factors
High and Rising Leverage
Rising debt and very high debt-to-equity leave a limited capital cushion if credit performance deteriorates or funding becomes less available. Leverage could constrain growth and increase refinancing sensitivity.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Profitability
High net and operating margins indicate strong profitability in the credit-services model. If maintained, this provides capacity to absorb credit losses, fund growth, and support shareholder returns over the medium term.
Read all positive factors
Michlol Fin (MCLL) vs. iShares MSCI Israel ETF (EIS)
Market Cap
₪644.89M
Dividend Yield1.8%
Average Volume (3M)3.85K
Price to Earnings (P/E)9.9
Beta (1Y)0.74
Revenue Growth21.55%
EPS Growth14.68%
CountryIL
Employees41
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)1.30
Shares Outstanding50,342,820
10 Day Avg. Volume5,716
30 Day Avg. Volume3,851
Financial Highlights & Ratios
PEG Ratio-7.85
Price to Book (P/B)1.66
Price to Sales (P/S)3.06
P/FCF Ratio8.84
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)N/A
Revenue Forecast (FY)N/A
Michlol Fin Business Overview & Revenue Model
Company Description
Michlol Finance Ltd, operating via its subsidiary, is engaged in the financial backing and management of construction projects throughout Israel. The firm provides capital to entrepreneurs focusing on residential property development, leveraging i...
Michlol Fin Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
52
Neutral
Cash Flow
63
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 243.38M | 220.56M | 203.43M | 182.52M | 68.65M | 46.22M |
| Gross Profit | 210.39M | 216.51M | 106.59M | 175.59M | 68.65M | 34.59M |
| EBITDA | 168.95M | 180.78M | 69.18M | 140.01M | 37.42M | 11.82M |
| Net Income | 61.39M | 50.31M | 50.93M | 41.02M | 26.44M | 5.95M |
Balance Sheet | ||||||
| Total Assets | 2.77B | 2.43B | 1.63B | 1.61B | 1.11B | 716.47M |
| Cash, Cash Equivalents and Short-Term Investments | 39.18M | 50.72M | 49.32M | 51.43M | 11.54M | 6.31M |
| Total Debt | 2.20B | 1.92B | 1.25B | 1.17B | 841.77M | 472.11M |
| Total Liabilities | 2.32B | 2.02B | 1.33B | 1.35B | 906.84M | 549.60M |
| Stockholders Equity | 454.56M | 406.19M | 305.73M | 258.38M | 198.97M | 166.86M |
Cash Flow | ||||||
| Free Cash Flow | 550.54M | 76.45M | -187.88M | 64.35M | -146.64M | -97.66M |
| Operating Cash Flow | 550.82M | 76.82M | -187.66M | 64.65M | -146.30M | -96.89M |
| Investing Cash Flow | -968.55M | -790.18M | 6.46M | -300.00K | -2.84M | -7.27M |
| Financing Cash Flow | 427.03M | 714.76M | 179.09M | -24.46M | 154.37M | 105.70M |
Michlol Fin Technical Analysis
Negative
1278.00
Price Trends
1335.78
Negative
1372.60
Negative
1425.01
Negative
Market Momentum
-17.62
Positive
36.77
Neutral
9.79
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IL:MCLL, the sentiment is Negative. The current price of 1278 is below the 20-day moving average (MA) of 1380.05, below the 50-day MA of 1335.78, and below the 200-day MA of 1425.01, indicating a bearish trend. The MACD of -17.62 indicates Positive momentum. The RSI at 36.77 is Neutral, neither overbought nor oversold. The STOCH value of 9.79 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IL:MCLL.
Michlol Fin Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | ₪701.14M | 8.03 | ― | ― | 20.00% | 14.06% | |
64 Neutral | ₪644.89M | 9.85 | ― | 1.80% | 21.55% | 14.68% | |
61 Neutral | ₪1.86B | 8.81 | ― | 6.62% | -1.75% | 91.68% | |
57 Neutral | ₪3.59B | 15.54 | -1.68% | 2.45% | 7.18% | ― | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IL:MCLL
Michlol Fin
1,275.00
-337.00
-20.91%
IL:ISCD
Isracard
1,104.00
-237.00
-17.67%
IL:DIFI
Direct Finance
61,640.00
15,351.65
33.17%
IL:BLEG
Blackedge
34,000.00
6,500.00
23.64%
IL:JCFN
Jacob Finance & Investments Ltd.
2,860.00
-540.14
-15.89%
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.