Nawi (NAWI) AI Stock Analysis

Nawi

(TASE:NAWI)

Select Model

Rating:67Neutral

Price Target:ILA 5,384.00▲(19.94% Upside)

Action:reiterated

Date:08/20/26

The overall score reflects a combination of very strong profitability and high returns on equity offset by heavy leverage and chronically weak cash generation, while an inexpensive valuation with a high dividend yield provides a significant positive anchor and current technicals indicate only modestly negative momentum rather than a pronounced trend.

Positive Factors

Revenue momentumTTM revenue reached approximately 496.6M from 459.1M in 2025, showing renewed top-line momentum. If sustained, this growth can expand the earnings base and support continued investment, although the pack notes that the longer-term growth pattern has been uneven.

Negative Factors

High leverageDebt-to-equity of approximately 4.16x leaves limited room for operational or credit deterioration. High leverage can increase funding sensitivity, restrict financial flexibility, and make it harder for Nawi to invest or absorb weaker conditions without relying on continued access to financing.

Nawi (NAWI) vs. iShares MSCI Israel ETF (EIS)

Market Cap: ILS 1.45B
Dividend Yield: 3.83%
Average Volume (3M): 31.38K
Price to Earnings (P/E): 6.0
Beta (1Y): 1.17
Revenue Growth: 33.11%
EPS Growth: 48.58%
Country: Israel
Employees: 80
Sector: General
Sector Strength: 55
Industry: Financial - Credit Services

Nawi Business Overview & Revenue Model

Company Description

Nawi Brothers Group Ltd, established in Tel Aviv, Israel, in 1984, operates as a key provider of non-bank financial and credit solutions throughout the country. Formerly known as Golden Equity Holdings Ltd until its rebranding in January 2011, the fi...

Nawi Financial Statement Overview

Summary

Strong revenue and net profit growth with operating and net margins near 50% and high returns on equity support a solid score, but heavy leverage and persistently negative operating and free cash flows materially weaken overall financial quality.

Income Statement

88Very Positive

Balance Sheet

66Positive

Cash Flow

32Negative

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	496.56M	459.10M	375.03M	372.37M	251.76M	167.23M
Gross Profit	284.39M	262.58M	234.29M	225.52M	187.44M	140.99M
EBITDA	236.71M	222.11M	200.71M	178.65M	175.48M	141.43M
Net Income	243.62M	235.64M	156.81M	142.70M	136.25M	110.11M
Balance Sheet
Total Assets	5.76B	5.39B	4.13B	3.40B	3.43B	3.34B
Cash, Cash Equivalents and Short-Term Investments	188.56M	19.92M	196.58M	229.72M	133.04M	80.59M
Total Debt	4.58B	4.33B	3.16B	2.53B	2.70B	2.66B
Total Liabilities	4.66B	4.37B	3.22B	2.59B	2.74B	2.70B
Stockholders Equity	1.10B	1.01B	911.93M	810.71M	685.48M	644.56M
Cash Flow
Free Cash Flow	-840.98M	-865.87M	-258.51M	229.42M	-98.37M	-281.77M
Operating Cash Flow	-835.74M	-861.53M	-258.46M	229.43M	-98.34M	-281.05M
Investing Cash Flow	-206.67M	25.99M	160.91M	-94.45M	68.00M	-160.06M
Financing Cash Flow	1.04B	840.69M	97.50M	-136.39M	30.74M	441.67M

Nawi Technical Analysis

Technical Analysis SentimentNegative

Last Price4489.00

Price Trends

50DMA4632.56Negative

100DMA4673.27Negative

200DMA4986.40Negative

Market Momentum

MACD21.14Positive

RSI40.24Neutral

STOCH19.31Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IL:NAWI, the sentiment is Negative. The current price of 4489.00 is below the 20-day moving average (MA) of 4650.10, below the 50-day MA of 4632.56, and below the 200-day MA of 4986.40, indicating a bearish trend. The MACD of 21.14 indicates Positive momentum. The RSI at 40.24 is Neutral, neither overbought nor oversold. The STOCH value of 19.31 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IL:NAWI.

Nawi Peers Comparison

Overall Rating

UnderperformOutperform

Sector (55)

Financial Indicators

IL:NAWI 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:NAWI	67Neutral	ILS 1.45B	6.04	―	3.83%	33.11%	48.58%
IL:MNIF	60Neutral	ILS 1.36B	6.68	―	7.90%	13.66%	20.34%
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:NAWI and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
IL:NAWI	Nawi Brothers Group Ltd	4489.00	-573.45	-11.33%
IL:ISCD	Isracard	1122.00	-282.00	-20.09%
IL:MNIF	Menif - Financial Services Ltd.	2219.00	293.65	15.25%
IL:DIFI	DIRECT FINANCE OF DIRECT GROUP (2006)LTD	55550.00	4209.83	8.20%
IL:MCLL	Michlol Finance Ltd	1385.00	11.00	0.80%
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 20, 2026

Nawi AI Stock Analysis