Michlol Fin (MCLL) AI Stock Analysis

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Michlol Fin

(TASE:MCLL)

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Rating:64Neutral

Price Target:ILA 1,518.00▲(8.12% 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 profitabilityHigh net and operating margins show that Michlol Fin currently converts revenue into substantial earnings. This profitability provides internal capacity to support growth, absorb operating costs, and build equity, although its durability depends on maintaining credit performance and business mix.

Negative Factors

High and rising leverageRising debt and debt-to-equity near 4.8x leave Michlol Fin with limited balance-sheet cushion relative to its obligations. If credit performance or funding conditions weaken, leverage could constrain capital allocation, increase financial pressure, and reduce flexibility to pursue growth.

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

Market Cap: ILS 708.16M
Dividend Yield: ―
Average Volume (3M): 13.81K
Price to Earnings (P/E): 10.9
Beta (1Y): 0.75
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

Strong profitability (TTM net margin ~25%, EBIT margin ~69%) and improved TTM earnings/cash generation, but the balance sheet is a key risk with rising debt (~2.20B TTM) and very high leverage (~4.8x debt-to-equity), plus historically uneven cash flows.

Income Statement

78Positive

Balance Sheet

52Neutral

Cash Flow

63Positive

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 Price1404.00

Price Trends

50DMA1294.42Positive

100DMA1316.05Positive

200DMA1397.60Positive

Market Momentum

MACD28.74Negative

RSI61.88Neutral

STOCH92.48Negative

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 1404.00 is above the 20-day moving average (MA) of 1363.90, above the 50-day MA of 1294.42, and above the 200-day MA of 1397.60, indicating a bullish trend. The MACD of 28.74 indicates Negative momentum. The RSI at 61.88 is Neutral, neither overbought nor oversold. The STOCH value of 92.48 is Negative, 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	74Outperform	ILS 672.38M	7.70	―	0.04%	20.00%	14.06%
IL:DIFI	66Neutral	ILS 1.64B	7.71	―	8.49%	-1.75%	91.68%
IL:MCLL	64Neutral	ILS 715.72M	10.91	―	―	21.55%	14.68%
IL:ISCD	57Neutral	ILS 3.70B	16.01	-1.68%	―	7.18%	―
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%

* 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	1404.00	45.00	3.31%
IL:ISCD	Isracard	1146.00	-260.00	-18.49%
IL:DIFI	DIRECT FINANCE OF DIRECT GROUP (2006)LTD	56120.00	3505.33	6.66%
IL:BLEG	Blackedge	31930.00	-5270.00	-14.17%
IL:JCFN	Jacob Finance & Investments Ltd.	2790.00	-483.57	-14.77%

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