Phoenix (PHOE) AI Stock Analysis

Phoenix

(TASE:PHOE)

Select Model

Rating:79Outperform

Price Target:ILA 21,366.00▲(27.56% Upside)

Action:upgraded

Date:08/27/26

The overall score of 79 reflects a company with a very strong and significantly improved financial foundation, marked by high profitability, low debt, and excellent cash flow. The stock's technical trend is bullish, though overbought signals warrant caution. A reasonable valuation and solid dividend yield add to the positive profile. The primary risk is the historical volatility in earnings and cash flow, which is inherent to the insurance industry.

Positive Factors

Strong Profitability and Earnings RecoveryStrong margins and the rise in net income from about 0.8B in 2023 to 3.3B TTM indicate materially improved earnings power, supporting the insurer’s ability to generate profits over the next several months.

Negative Factors

Historically Volatile Cash FlowThe shift from negative operating and free cash flow in 2024 to robust TTM generation shows that cash conversion can vary materially. Such volatility may complicate capital planning and reduce confidence in recurring cash generation.

Phoenix (PHOE) vs. iShares MSCI Israel ETF (EIS)

Market Cap: ILS 42.29B
Dividend Yield: 3.25%
Average Volume (3M): 532.61K
Price to Earnings (P/E): 12.9
Beta (1Y): 1.52
Revenue Growth: 10.88%
EPS Growth: 24.40%
Country: Israel
Employees: 5,172
Sector: General
Sector Strength: 55
Industry: Insurance - Diversified

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 specific...

Phoenix Financial Statement Overview

Summary

Financial performance is strong, driven by a remarkable turnaround in profitability and cash flow. The balance sheet is a fortress with very low leverage (debt-to-equity of 0.29) and a high return on equity (26%). Cash flow generation is excellent, with free cash flow covering over 90% of net income. The main risk is historical earnings volatility, but the current trajectory is very positive.

Income Statement

78Positive

Balance Sheet

82Very Positive

Cash Flow

85Very Positive

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	32.10B	30.30B	30.15B	24.11B	8.49B	28.62B
Gross Profit	31.44B	28.87B	27.36B	22.01B	6.64B	27.01B
EBITDA	6.44B	6.33B	3.88B	2.04B	2.56B	3.26B
Net Income	3.32B	3.22B	1.82B	777.40M	1.26B	1.96B
Balance Sheet
Total Assets	210.10B	197.94B	172.57B	159.79B	147.52B	143.58B
Cash, Cash Equivalents and Short-Term Investments	3.29B	2.01B	32.01B	33.03B	29.51B	26.91B
Total Debt	20.18B	15.44B	10.46B	9.36B	8.11B	6.35B
Total Liabilities	196.49B	185.06B	160.32B	148.90B	136.98B	133.66B
Stockholders Equity	13.13B	12.50B	11.91B	10.58B	10.14B	9.65B
Cash Flow
Free Cash Flow	4.26B	3.93B	-1.60B	1.14B	2.20B	4.19B
Operating Cash Flow	4.67B	4.24B	-701.54M	2.18B	2.73B	4.55B
Investing Cash Flow	-1.09B	-889.42M	-1.30B	-1.46B	-535.97M	-214.98M
Financing Cash Flow	556.40M	1.43B	109.19M	1.84B	1.67B	-402.69M

Phoenix Peers Comparison

Overall Rating

UnderperformOutperform

Sector (55)

Financial Indicators

IL:PHOE against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
IL:PHOE	79Outperform	ILS 42.92B	12.94	―	3.25%	10.88%	24.40%
IL:MMHD	77Outperform	ILS 30.86B	12.32	―	3.24%	18.14%	49.80%
IL:HARL	71Outperform	ILS 37.11B	11.32	23.23%	3.85%	14.74%	70.44%
IL:AYAL	66Neutral	ILS 4.70B	9.93	―	2.83%	―	―
IL:MGDL	66Neutral	ILS 19.16B	10.04	―	―	2.14%	116.73%
IL:CLIS	62Neutral	ILS 21.75B	9.05	―	1.84%	-30.50%	67.45%
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%

* General Sector Average

Performance Comparison

IL:PHOE and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
IL:PHOE	Phoenix Holdings Ltd.	16750.00	3853.20	29.88%
IL:CLIS	Clal Insurance Enterprises Holdings	26470.00	7518.35	39.67%
IL:HARL	Harel Insurance Investments & Financial Services	17980.00	6338.01	54.44%
IL:MGDL	Migdal Insurance & Financial Holdings Ltd.	1752.00	506.00	40.61%
IL:MMHD	Menora Mivtachim Holdings Ltd.	48980.00	15514.69	46.36%
IL:AYAL	Ayalon Holdings Ltd.	16060.00	9039.05	128.74%

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 27, 2026

Phoenix AI Stock Analysis