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Menif
(TASE:MNIF)
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Rating:63Neutral
Price Target:
2,058.00
▼(-6.45% Downside)
Action:Reiterated
Date:10/08/26
The score is driven primarily by solid underlying profitability but weighed down by high leverage and a volatile historical cash-flow profile. Technicals also detract due to a clear downtrend, while valuation supports the score with a low P/E and high dividend yield.
Positive Factors
Strong profitability and margins
Exceptionally high gross, operating, and net margins indicate strong current earnings power and meaningful profitability across the income statement. If maintained, this margin structure can support reinvestment, strengthen resilience through normal business cycles, and provide substantial capacity to fund shareholder returns.
Negative Factors
Very high leverage
The exceptionally high debt-to-equity ratio leaves the capital structure sensitive to funding costs, refinancing conditions, and credit-cycle pressure. Elevated leverage can absorb a larger share of future cash flow and restrict strategic flexibility if profitability weakens or financing becomes less available.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong profitability and margins
Exceptionally high gross, operating, and net margins indicate strong current earnings power and meaningful profitability across the income statement. If maintained, this margin structure can support reinvestment, strengthen resilience through normal business cycles, and provide substantial capacity to fund shareholder returns.
Read all positive factors
Menif (MNIF) vs. iShares MSCI Israel ETF (EIS)
Market Cap
₪1.29B
Dividend Yield9.07%
Average Volume (3M)25.34K
Price to Earnings (P/E)6.3
Beta (1Y)1.31
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. Volume25,041
30 Day Avg. Volume25,338
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 Technical Analysis
Negative
2200.00
Price Trends
2225.85
Negative
2332.22
Negative
2405.45
Negative
Market Momentum
-52.76
Positive
25.37
Positive
26.40
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IL:MNIF, the sentiment is Negative. The current price of 2200 is below the 20-day moving average (MA) of 2246.30, below the 50-day MA of 2225.85, and below the 200-day MA of 2405.45, indicating a bearish trend. The MACD of -52.76 indicates Positive momentum. The RSI at 25.37 is Positive, neither overbought nor oversold. The STOCH value of 26.40 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IL:MNIF.
Menif Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | ₪676.07M | 7.75 | ― | 0.05% | 20.00% | 14.06% | |
64 Neutral | ₪626.14M | 9.56 | ― | 1.83% | 21.55% | 14.68% | |
63 Neutral | ₪1.29B | 6.34 | ― | 9.07% | 13.66% | 20.34% | |
61 Neutral | ₪1.83B | 8.59 | ― | 8.10% | -1.75% | 91.68% | |
57 Neutral | ₪3.52B | 15.24 | -1.68% | 4.75% | 7.18% | ― | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IL:MNIF
Menif
1,932.00
-26.91
-1.37%
IL:ISCD
Isracard
1,058.00
-308.00
-22.55%
IL:DIFI
Direct Finance
58,850.00
13,392.85
29.46%
IL:MCLL
Michlol Fin
1,246.00
-258.00
-17.15%
IL:JCFN
Jacob Finance & Investments Ltd.
2,680.00
-560.01
-17.28%
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.