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Menif
(TASE:MNIF)
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Rating:65Neutral
Price Target:
2,388.00
▲(8.55% Upside)
Action:Reiterated
Date:08/17/26
The score is supported most by attractive valuation (low P/E and high dividend yield) and strong profitability. It is held back by elevated leverage and a historically inconsistent cash-flow record, alongside weak technical trend signals (below major moving averages with negative MACD).
Positive Factors
Strong Profitability
Very high gross, operating and net margins indicate substantial earnings conversion and operating efficiency. This profitability provides internal capacity to absorb operating pressure and supports returns, although it does not eliminate leverage or slower-growth risks.
Negative Factors
Elevated Leverage
The highly leveraged capital structure increases sensitivity to funding costs, refinancing conditions and credit-cycle stress. Even with strong profitability, substantial debt can constrain financial flexibility and amplify downside if operating performance weakens.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Profitability
Very high gross, operating and net margins indicate substantial earnings conversion and operating efficiency. This profitability provides internal capacity to absorb operating pressure and supports returns, although it does not eliminate leverage or slower-growth risks.
Read all positive factors
Menif (MNIF) vs. iShares MSCI Israel ETF (EIS)
Market Cap
₪1.35B
Dividend Yield7.95%
Average Volume (3M)71.44K
Price to Earnings (P/E)6.7
Beta (1Y)1.26
Revenue Growth13.66%
EPS Growth20.34%
CountryIL
Employees7
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)3.32
Shares Outstanding61,206,795
10 Day Avg. Volume55,098
30 Day Avg. Volume71,438
Financial Highlights & Ratios
PEG Ratio0.35
Price to Book (P/B)2.15
Price to Sales (P/S)2.78
P/FCF Ratio6.48
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
Menif Business Overview & Revenue Model
Company Description
Established in 1999 and based in Ramat Gan, Israel, Menif - Financial Services Ltd specializes in providing equity-related mezzanine financing. The company extends these financial services to developers and contractors operating within the constru...
Menif Financial Statement Overview
Summary
Income Statement
82
Very Positive
Balance Sheet
58
Neutral
Cash Flow
47
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 538.30M | 532.95M | 423.29M | 331.91M | 183.94M | 122.05M |
| Gross Profit | 420.27M | 530.88M | 229.40M | 180.44M | 128.34M | 92.20M |
| EBITDA | 364.66M | 469.16M | 198.06M | 163.25M | 122.31M | 74.09M |
| Net Income | 202.38M | 186.22M | 151.88M | 124.42M | 92.92M | 55.17M |
Balance Sheet | ||||||
| Total Assets | 3.93B | 3.75B | 3.22B | 2.60B | 2.01B | 1.10B |
| Cash, Cash Equivalents and Short-Term Investments | 21.83M | 42.27M | 25.43M | 22.10M | 21.09M | 31.80M |
| Total Debt | 3.16B | 2.99B | 2.59B | 2.11B | 1.64B | 765.45M |
| Total Liabilities | 3.20B | 3.06B | 2.66B | 2.15B | 1.66B | 793.09M |
| Stockholders Equity | 730.44M | 689.86M | 562.25M | 450.00M | 351.19M | 301.54M |
Cash Flow | ||||||
| Free Cash Flow | 118.05M | 228.79M | -422.08M | -427.98M | -820.89M | -174.85M |
| Operating Cash Flow | 118.12M | 228.83M | -422.00M | -427.97M | -820.85M | -173.66M |
| Investing Cash Flow | -197.59M | -552.89M | -88.00K | -7.00K | -45.00K | -1.18M |
| Financing Cash Flow | 11.95M | 340.90M | 425.41M | 428.99M | 810.17M | 176.93M |
Menif Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
66 Neutral | ₪703.11M | 8.06 | ― | ― | 20.00% | 14.06% | |
65 Neutral | ₪1.35B | 6.66 | ― | 6.93% | 13.66% | 20.34% | |
64 Neutral | ₪641.87M | 9.81 | ― | 1.80% | 21.55% | 14.68% | |
61 Neutral | ₪1.82B | 8.66 | ― | 6.62% | -1.75% | 91.68% | |
57 Neutral | ₪3.60B | 15.55 | -1.68% | 2.45% | 7.18% | ― | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IL:MNIF
Menif
2,205.00
182.69
9.03%
IL:ISCD
Isracard
1,123.00
-223.00
-16.57%
IL:DIFI
Direct Finance
62,990.00
17,643.67
38.91%
IL:MCLL
Michlol Fin
1,251.00
-317.00
-20.22%
IL:JCFN
Jacob Finance & Investments Ltd.
2,818.00
-566.80
-16.75%
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.