Phoenix Holdings Ltd. (IL:PHOE)
TASE:PHOE
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Phoenix
(TASE:PHOE)
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Rating:66Neutral
Price Target:
19,710.00
▲(46.00% Upside)
Action:Reiterated
Date:05/29/26
The score is driven primarily by improving profitability but tempered by higher leverage and volatile cash flow. Technicals are constructive over the medium/long term but show near-term softness, while valuation is supportive with a reasonable P/E and a moderate dividend yield.
Positive Factors
Improved profitability / margins
Trailing-twelve-month profitability and improved operating/net margins indicate underwriting and expense control gains. Durable margin expansion strengthens internal capital generation, supports reinvestment and dividends, and reduces sensitivity to short-term premium volatility over the next several months.
Negative Factors
Elevated leverage
Debt running above equity (D/E ~1.24) makes the balance sheet more sensitive to underwriting losses or market stress. Elevated leverage increases interest and refinancing risk, constraining capital flexibility and raising the bar for sustaining investments and dividends during adverse cycles.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved profitability / margins
Trailing-twelve-month profitability and improved operating/net margins indicate underwriting and expense control gains. Durable margin expansion strengthens internal capital generation, supports reinvestment and dividends, and reduces sensitivity to short-term premium volatility over the next several months.
Read all positive factors
Phoenix (PHOE) vs. iShares MSCI Israel ETF (EIS)
Market Cap
₪45.31B
Dividend Yield4.19%
Average Volume (3M)1.33M
Price to Earnings (P/E)13.4
Beta (1Y)1.54
Revenue Growth28.82%
EPS Growth58.47%
CountryIL
Employees5,204
SectorFinancial
Sector Strength70
IndustryInsurance - Diversified
Share Statistics
EPS (TTM)13.37
Shares Outstanding252,858,100
10 Day Avg. Volume1,003,045
30 Day Avg. Volume1,333,724
Financial Highlights & Ratios
PEG Ratio0.13
Price to Book (P/B)2.66
Price to Sales (P/S)1.10
P/FCF Ratio8.46
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)13.3
Revenue Forecast (FY)₪10.06B
Phoenix Business Overview & Revenue Model
Company Description
The Phoenix Holdings Ltd., based in Givatayim, Israel, offers a broad spectrum of insurance and retirement planning solutions within the Israeli market. Its extensive insurance offerings encompass coverage for life and disability, alongside specif...
How the Company Makes Money
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Phoenix Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
62
Positive
Cash Flow
58
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 30.91B | 30.30B | 30.15B | 24.11B | 8.49B | 28.62B |
| Gross Profit | 30.04B | 28.87B | 27.36B | 22.01B | 6.64B | 27.01B |
| EBITDA | 6.59B | 6.33B | 3.88B | 2.04B | 2.56B | 3.26B |
| Net Income | 3.38B | 3.22B | 1.82B | 777.40M | 1.26B | 1.96B |
Balance Sheet | ||||||
| Total Assets | 200.99B | 197.94B | 172.57B | 159.79B | 147.52B | 143.58B |
| Cash, Cash Equivalents and Short-Term Investments | 24.75B | 2.01B | 32.01B | 33.03B | 29.51B | 26.91B |
| Total Debt | 10.18B | 15.44B | 10.46B | 9.36B | 8.11B | 6.35B |
| Total Liabilities | 187.75B | 185.06B | 160.32B | 148.90B | 136.98B | 133.66B |
| Stockholders Equity | 12.80B | 12.50B | 11.91B | 10.58B | 10.14B | 9.65B |
Cash Flow | ||||||
| Free Cash Flow | 2.60B | 3.93B | -1.60B | 1.14B | 2.20B | 4.19B |
| Operating Cash Flow | 3.20B | 4.24B | -701.54M | 2.18B | 2.73B | 4.55B |
| Investing Cash Flow | -856.62M | -889.42M | -1.30B | -1.46B | -535.97M | -214.98M |
| Financing Cash Flow | 1.92B | 1.43B | 109.19M | 1.84B | 1.67B | -402.69M |
Phoenix Technical Analysis
Positive
13500.00
Price Trends
17947.43
Negative
16880.90
Positive
14656.75
Positive
Market Momentum
-175.27
Positive
47.35
Neutral
27.31
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IL:PHOE, the sentiment is Positive. The current price of 13500 is below the 20-day moving average (MA) of 18589.50, below the 50-day MA of 17947.43, and below the 200-day MA of 14656.75, indicating a neutral trend. The MACD of -175.27 indicates Positive momentum. The RSI at 47.35 is Neutral, neither overbought nor oversold. The STOCH value of 27.31 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IL:PHOE.
Phoenix Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | ₪31.57B | 12.86 | ― | 2.61% | 43.27% | 99.24% | |
72 Outperform | ₪19.64B | 10.45 | ― | 0.30% | 35.50% | 147.32% | |
71 Outperform | ₪3.24B | 8.85 | ― | 5.98% | 9.90% | 22.54% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ₪45.31B | 13.45 | ― | 4.19% | 28.82% | 58.47% | |
66 Neutral | ₪21.39B | 9.18 | ― | 1.67% | -30.11% | 110.97% | |
65 Neutral | ₪35.04B | 11.52 | 23.23% | 2.21% | 12.85% | 216.23% |
* Financial Sector Average
IL:PHOE
Phoenix
17,920.00
10,148.09
130.57%
IL:CLIS
Clal Insurance
26,410.00
14,941.90
130.29%
IL:HARL
Harel
17,030.00
9,940.75
140.22%
IL:MGDL
Migdal Insur.
1,856.00
1,091.50
142.77%
IL:MMHD
Menora Miv Hld
50,530.00
31,032.13
159.16%
IL:IDIN
Idi Insur
21,880.00
4,534.97
26.15%
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.