Phoenix (PHOE) AI Stock Analysis

14 Followers

Phoenix

(TASE:PHOE)

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Rating:75Outperform

Price Target:ILA 18,214.00▲(5.16% Upside)

Action:upgraded

Date:08/27/26

The score is driven primarily by above-average financial performance: strong TTM profitability, a sharp earnings rebound, and currently robust free cash flow, tempered by historical volatility in revenue/cash flow and leverage. Technicals support the trend (price above major moving averages) but overbought signals reduce the near-term technical score. Valuation is supportive with a moderate P/E and ~3% dividend yield.

Positive Factors

Strong profitabilityStrong TTM margins and the rise in net income indicate meaningful earnings power and improved operating results. If maintained, this profitability can support reinvestment, strengthen resilience through normal insurance-cycle fluctuations, and provide a durable foundation for shareholder returns over the coming quarters.

Negative Factors

Cash-flow volatilityThe sharp swing from negative 2024 cash flow to strong TTM generation shows that cash conversion can vary materially across periods. Such instability may complicate planning and capital allocation, while making current cash strength less dependable as a standalone indicator of sustainable performance.

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

Market Cap: ILS 43.73B
Dividend Yield: 3.19%
Average Volume (3M): 589.76K
Price to Earnings (P/E): 13.3
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

Strong profitability and earnings recovery (TTM net margin ~10%, EBIT/EBITDA ~18–20%, net income up materially to ~3.3B TTM) supported by solid free cash flow (~4.3B) with good earnings conversion (FCF/net income ~0.91). Offsetting factors are meaningful historical volatility in revenue and cash flows (including negative OCF/FCF in 2024) and leverage swings, which raise sustainability risk.

Income Statement

82Very Positive

Balance Sheet

68Positive

Cash Flow

74Positive

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	26.84B
Total Debt	16.53B	14.26B	10.46B	9.36B	8.10B	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 Technical Analysis

Technical Analysis SentimentPositive

Last Price17320.00

Price Trends

50DMA18016.56Negative

100DMA17473.05Negative

200DMA17128.61Positive

Market Momentum

MACD-325.42Positive

RSI48.86Neutral

STOCH66.36Neutral

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 17320.00 is below the 20-day moving average (MA) of 17533.50, below the 50-day MA of 18016.56, and above the 200-day MA of 17128.61, indicating a neutral trend. The MACD of -325.42 indicates Positive momentum. The RSI at 48.86 is Neutral, neither overbought nor oversold. The STOCH value of 66.36 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

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:MMHD	77Outperform	ILS 32.07B	12.81	―	3.12%	18.14%	49.80%
IL:PHOE	75Outperform	ILS 44.01B	13.26	―	3.19%	10.88%	24.40%
IL:HARL	74Outperform	ILS 38.69B	11.80	23.23%	3.74%	14.74%	70.44%
IL:MGDL	71Outperform	ILS 19.03B	9.98	―	―	2.14%	116.73%
IL:AYAL	66Neutral	ILS 4.66B	9.84	―	2.97%	―	―
IL:CLIS	62Neutral	ILS 22.01B	9.16	―	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.	17320.00	4103.92	31.05%
IL:CLIS	Clal Insurance Enterprises Holdings	26910.00	7096.02	35.81%
IL:HARL	Harel Insurance Investments & Financial Services	18610.00	6516.54	53.88%
IL:MGDL	Migdal Insurance & Financial Holdings Ltd.	1784.00	426.00	31.37%
IL:MMHD	Menora Mivtachim Holdings Ltd.	51330.00	15198.71	42.07%
IL:AYAL	Ayalon Holdings Ltd.	15780.00	7433.94	89.07%

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