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Menora Miv Hld
(TASE:MMHD)
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Rating:75Outperform
Price Target:
62,438.00
▲(34.88% Upside)
Action:Reiterated
Date:08/27/26
The score is driven primarily by strong financial performance (healthy profitability and high ROE) and supportive technical strength (price above major moving averages with positive momentum). Valuation further supports the rating with a moderate P/E and ~3% dividend yield, while the main offset is historically volatile cash-flow conversion and rising leverage.
Positive Factors
Strong growth and profitability
Strong recent revenue growth combined with healthy operating and net margins indicates effective scale across the insurance and long-term savings businesses. This profitability provides resources for reinvestment and supports durable earnings capacity over the next several quarters.
Negative Factors
Rising leverage
The upward leverage trend reduces financial flexibility even though current debt-to-equity is described as moderate for the sector. If operating conditions weaken, higher debt can increase pressure on capital allocation and make it harder to absorb adverse insurance or investment results.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong growth and profitability
Strong recent revenue growth combined with healthy operating and net margins indicates effective scale across the insurance and long-term savings businesses. This profitability provides resources for reinvestment and supports durable earnings capacity over the next several quarters.
Read all positive factors
Menora Miv Hld (MMHD) vs. iShares MSCI Israel ETF (EIS)
Market Cap
₪33.93B
Dividend Yield3%
Average Volume (3M)84.96K
Price to Earnings (P/E)13.6
Beta (1Y)1.65
Revenue Growth18.14%
EPS Growth49.80%
CountryIL
Employees3,805
SectorGeneral
Sector StrengthN/A
IndustryInsurance - Diversified
Share Statistics
EPS (TTM)40.08
Shares Outstanding62,483,166
10 Day Avg. Volume104,175
30 Day Avg. Volume84,961
Financial Highlights & Ratios
PEG Ratio0.09
Price to Book (P/B)2.71
Price to Sales (P/S)1.39
P/FCF Ratio11.31
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)35.69
Revenue Forecast (FY)₪8.81B
Menora Miv Hld Business Overview & Revenue Model
Company Description
Menora Mivtachim Holdings Ltd., together with its subsidiaries, operates in insurance and finance sectors in Israel. It operates through Life Insurance and Long-Term Savings; Health Insurance; and Property and Casualty Insurance segments. The comp...
How the Company Makes Money
Menora Mivtachim Holdings makes money primarily from (1) insurance operations and (2) long-term savings and asset management.
1) Insurance operations
- Premium income: The company collects premiums from policyholders across life/health and genera...
Menora Miv Hld Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
62
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 17.28B | 17.87B | 14.78B | 12.57B | 5.89B | 12.99B |
| Gross Profit | 12.32B | 11.42B | 13.92B | 11.77B | 5.20B | 12.29B |
| EBITDA | 4.35B | 4.13B | 2.17B | 1.28B | 1.15B | 1.30B |
| Net Income | 2.48B | 2.35B | 1.08B | 516.08M | 536.04M | 655.68M |
Balance Sheet | ||||||
| Total Assets | 84.15B | 81.51B | 74.18B | 70.03B | 67.58B | 66.79B |
| Cash, Cash Equivalents and Short-Term Investments | 1.73B | 2.36B | 3.98B | 3.40B | 11.79B | 12.59B |
| Total Debt | 6.62B | 5.62B | 4.34B | 3.72B | 3.43B | 1.82B |
| Total Liabilities | 74.23B | 72.06B | 66.76B | 63.42B | 61.51B | 61.18B |
| Stockholders Equity | 9.68B | 9.19B | 7.21B | 6.43B | 5.90B | 5.54B |
Cash Flow | ||||||
| Free Cash Flow | 1.20B | 2.20B | 1.36B | -578.42M | -872.23M | 994.26M |
| Operating Cash Flow | 1.33B | 2.23B | 1.66B | -324.60M | -637.71M | 1.24B |
| Investing Cash Flow | -2.35B | -1.30B | -541.09M | -269.12M | -253.47M | -240.94M |
| Financing Cash Flow | 986.89M | 563.19M | -547.84M | 104.00M | 189.97M | -541.82M |
Menora Miv Hld Technical Analysis
Positive
46290.00
Price Trends
47846.67
Positive
48429.78
Positive
45464.61
Positive
Market Momentum
2068.67
Negative
63.47
Neutral
73.87
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IL:MMHD, the sentiment is Positive. The current price of 46290 is below the 20-day moving average (MA) of 50403.79, below the 50-day MA of 47846.67, and above the 200-day MA of 45464.61, indicating a bullish trend. The MACD of 2068.67 indicates Negative momentum. The RSI at 63.47 is Neutral, neither overbought nor oversold. The STOCH value of 73.87 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IL:MMHD.
Menora Miv Hld Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | ₪33.93B | 13.55 | ― | 3.00% | 18.14% | 49.80% | |
75 Outperform | ₪47.10B | 14.22 | ― | 2.99% | 10.88% | 24.40% | |
74 Outperform | ₪5.31B | 11.20 | ― | 2.54% | ― | ― | |
71 Outperform | ₪40.26B | 12.28 | 23.23% | 3.61% | 14.74% | 70.44% | |
66 Neutral | ₪21.94B | 11.50 | ― | 0.77% | 2.14% | 116.73% | |
64 Neutral | ₪22.81B | 9.44 | ― | 1.79% | -30.50% | 67.45% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IL:MMHD
Menora Miv Hld
53,390.00
23,579.51
79.10%
IL:CLIS
Clal Insurance
27,620.00
11,265.14
68.88%
IL:HARL
Harel
19,270.00
9,040.03
88.37%
IL:MGDL
Migdal Insur.
2,044.00
908.00
79.93%
IL:PHOE
Phoenix
18,480.00
7,653.65
70.69%
IL:AYAL
Ayalon Hold.
18,500.00
11,963.19
183.01%
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.