Michlol Fin (MCLL) AI Stock Analysis

Michlol Fin

(TASE:MCLL)

Select Model

Rating:69Neutral

Price Target:ILA 1,517.00▲(9.53% Upside)

Action:downgraded

Date:08/27/26

Michlol Fin earns a score of 69, anchored primarily by its highly attractive valuation and robust financial fundamentals, including strong revenue growth and healthy net profit margins. Despite these underlying business strengths, the stock's overall score is constrained by poor technical momentum and a pronounced current downtrend.

Positive Factors

Strong profitabilityVery strong TTM net and operating margins indicate that Michlol Fin converts revenue into substantial earnings. This profitability provides internal funding for growth, supports resilience through normal credit cycles, and can strengthen the company’s competitive position over the next several quarters.

Negative Factors

High and rising leverageDebt has increased materially while leverage remains very high relative to equity, leaving Michlol Fin with less financial cushion. A weaker credit environment or tighter funding conditions could therefore place greater pressure on capital flexibility and the company’s ability to absorb losses.

Michlol Fin (MCLL) vs. iShares MSCI Israel ETF (EIS)

Market Cap: ILS 698.11M
Dividend Yield: ―
Average Volume (3M): 13.49K
Price to Earnings (P/E): 10.7
Beta (1Y): 0.74
Revenue Growth: 21.55%
EPS Growth: 14.68%
Country: Israel
Employees: 41
Sector: General
Sector Strength: 55
Industry: Financial - Credit Services

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 inte...

Michlol Fin Financial Statement Overview

Summary

Michlol Fin demonstrates a robust fundamental profile characterized by outstanding revenue growth, strong profit margins, and effective equity utilization. While core operations are highly profitable, the score is tempered by industry-standard high leverage and historically volatile cash flow cycles.

Income Statement

86Very Positive

Balance Sheet

74Positive

Cash Flow

68Positive

Financial statement breakdown
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

Technical Analysis SentimentPositive

Last Price1385.00

Price Trends

50DMA1284.30Positive

100DMA1310.32Positive

200DMA1403.26Negative

Market Momentum

MACD28.03Negative

RSI65.08Neutral

STOCH72.71Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IL:MCLL, the sentiment is Positive. The current price of 1385.00 is above the 20-day moving average (MA) of 1315.30, above the 50-day MA of 1284.30, and below the 200-day MA of 1403.26, indicating a neutral trend. The MACD of 28.03 indicates Negative momentum. The RSI at 65.08 is Neutral, neither overbought nor oversold. The STOCH value of 72.71 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IL:MCLL.

Michlol Fin Peers Comparison

Overall Rating

UnderperformOutperform

Sector (55)

Financial Indicators

IL:MCLL against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
IL:JCFN	80Outperform	ILS 667.22M	7.64	―	0.05%	20.00%	14.06%
IL:MCLL	69Neutral	ILS 698.11M	10.65	―	―	21.55%	14.68%
IL:ISCD	57Neutral	ILS 3.65B	15.80	-1.68%	―	7.18%	―
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%
IL:DIFI	55Neutral	ILS 1.66B	7.81	―	8.58%	-1.75%	91.68%

* General Sector Average

Performance Comparison

IL:MCLL and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
IL:MCLL	Michlol Finance Ltd	1385.00	11.00	0.80%
IL:ISCD	Isracard	1122.00	-282.00	-20.09%
IL:DIFI	DIRECT FINANCE OF DIRECT GROUP (2006)LTD	55550.00	4209.83	8.20%
IL:BLEG	Blackedge	32790.00	-3130.00	-8.71%
IL:JCFN	Jacob Finance & Investments Ltd.	2714.00	-541.35	-16.63%

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 27, 2026

Michlol Fin AI Stock Analysis