Migdal Insurance and Financial Holdings Ltd. Logo

Migdal Insurance and Financial Holdings Ltd.

MGDL.TA

(1.5)
Stock Price

456,40 ILA

0.2% ROA

5.05% ROE

10.34x PER

Market Cap.

4.405.343.800,00 ILA

1.65% DER

0.01% Yield

1.53% NPM

Migdal Insurance and Financial Holdings Ltd. Stock Analysis

Migdal Insurance and Financial Holdings Ltd. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Migdal Insurance and Financial Holdings Ltd. Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.51x) suggests it's undervalued, making it an attractive opportunity for investors.

2 DER

The stock has a minimal amount of debt (1%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 ROE

The stock's ROE falls within an average range (7.1%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

4 ROA

The stock's ROA (0.29%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

5 Revenue Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

6 Net Profit Growth

The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity.

7 Assets Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

8 Graham Number

The company's Graham number suggests that its stock price is overestimated, implying that it may not be a promising investment opportunity.

9 Dividend Growth

Potential investors should be aware that the company's dividend growth has shown no upward trend in the past three years, indicating limited potential for increased returns.

10 Dividend

Investors should be cautious as the company hasn't distributed dividends in the last three years, possibly indicating financial challenges.

11 Buffet Intrinsic Value

The company's stock shows signs of being overvalued (98) according to Warren Buffett's formula, indicating a potential downside as its market price exceeds its estimated intrinsic value.

Migdal Insurance and Financial Holdings Ltd. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Migdal Insurance and Financial Holdings Ltd. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Hold

Migdal Insurance and Financial Holdings Ltd. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Migdal Insurance and Financial Holdings Ltd. Revenue
Year Revenue Growth
2004 606.265.000
2005 1.086.847.000 44.22%
2006 850.582.000 -27.78%
2007 986.606.000 13.79%
2008 3.644.756.000 72.93%
2009 20.211.450.000 81.97%
2010 0 0%
2011 10.896.997.000 100%
2012 26.576.673.000 59%
2013 31.627.899.000 15.97%
2014 26.296.154.000 -20.28%
2015 26.723.017.000 1.6%
2016 29.293.585.000 8.78%
2017 23.832.741.000 -22.91%
2018 29.925.006.000 20.36%
2019 45.021.778.000 33.53%
2020 21.899.550.000 -105.58%
2021 36.677.855.000 40.29%
2022 6.440.615.000 -469.48%
2023 22.670.520.000 71.59%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Migdal Insurance and Financial Holdings Ltd. Research and Development Expenses
Year Research and Development Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Migdal Insurance and Financial Holdings Ltd. General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 18.483.000
2005 17.802.000 -3.83%
2006 23.341.000 23.73%
2007 31.929.000 26.9%
2008 297.422.000 89.26%
2009 826.081.000 64%
2010 3.292.000 -24993.59%
2011 1.176.240.000 99.72%
2012 400.737.000 -193.52%
2013 402.256.000 0.38%
2014 408.482.000 1.52%
2015 418.659.000 2.43%
2016 388.374.000 -7.8%
2017 385.982.000 -0.62%
2018 373.315.000 -3.39%
2019 367.978.000 -1.45%
2020 394.516.000 6.73%
2021 412.616.000 4.39%
2022 467.539.000 11.75%
2023 1.223.424.000 61.78%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Migdal Insurance and Financial Holdings Ltd. EBITDA
Year EBITDA Growth
2004 789.756.000
2005 923.178.000 14.45%
2006 932.967.000 1.05%
2007 864.056.000 -7.98%
2008 -220.865.000 491.21%
2009 1.032.397.000 121.39%
2010 779.398.000 -32.46%
2011 683.044.000 -14.11%
2012 537.445.000 -27.09%
2013 1.211.989.000 55.66%
2014 790.311.000 -53.36%
2015 717.911.000 -10.08%
2016 479.507.000 -49.72%
2017 875.470.000 45.23%
2018 780.635.000 -12.15%
2019 -564.642.000 238.25%
2020 914.099.000 161.77%
2021 2.331.145.000 60.79%
2022 1.046.197.000 -122.82%
2023 1.562.596.000 33.05%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Migdal Insurance and Financial Holdings Ltd. Gross Profit
Year Gross Profit Growth
2004 606.265.000
2005 1.086.847.000 44.22%
2006 850.582.000 -27.78%
2007 986.606.000 13.79%
2008 3.644.756.000 72.93%
2009 20.211.450.000 81.97%
2010 0 0%
2011 10.896.997.000 100%
2012 26.576.673.000 59%
2013 31.627.899.000 15.97%
2014 26.296.154.000 -20.28%
2015 26.723.017.000 1.6%
2016 29.293.585.000 8.78%
2017 23.832.741.000 -22.91%
2018 29.925.006.000 20.36%
2019 45.021.778.000 33.53%
2020 21.899.550.000 -105.58%
2021 36.677.855.000 40.29%
2022 6.440.615.000 -469.48%
2023 22.670.520.000 71.59%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Migdal Insurance and Financial Holdings Ltd. Net Profit
Year Net Profit Growth
2004 534.448.000
2005 559.040.000 4.4%
2006 570.327.000 1.98%
2007 564.364.000 -1.06%
2008 -248.055.000 327.52%
2009 714.834.000 134.7%
2010 780.898.000 8.46%
2011 296.268.000 -163.58%
2012 226.212.000 -30.97%
2013 617.770.000 63.38%
2014 422.031.000 -46.38%
2015 351.869.000 -19.94%
2016 203.265.000 -73.11%
2017 378.955.000 46.36%
2018 549.040.000 30.98%
2019 -628.159.000 187.4%
2020 352.487.000 278.21%
2021 1.351.942.000 73.93%
2022 750.974.000 -80.03%
2023 896.844.000 16.26%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Migdal Insurance and Financial Holdings Ltd. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 1
2005 1 0%
2006 1 0%
2007 1 0%
2008 0 0%
2009 1 0%
2010 1 0%
2011 0 0%
2012 0 0%
2013 1 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 1 0%
2019 -1 0%
2020 0 0%
2021 1 100%
2022 1 0%
2023 1 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Migdal Insurance and Financial Holdings Ltd. Free Cashflow
Year Free Cashflow Growth
2004 617.773.000
2005 457.456.000 -35.05%
2006 647.211.000 29.32%
2007 2.691.537.000 75.95%
2008 -1.141.724.000 335.74%
2009 1.472.930.000 177.51%
2010 0 0%
2011 197.503.000 100%
2012 1.842.243.000 89.28%
2013 2.504.520.000 26.44%
2014 -1.170.320.000 314%
2015 3.398.683.000 134.43%
2016 -1.940.148.000 275.18%
2017 1.884.594.000 202.95%
2018 868.256.000 -117.06%
2019 4.479.254.000 80.62%
2020 -5.258.346.000 185.18%
2021 6.880.285.000 176.43%
2022 -3.109.808.000 321.24%
2023 -2.929.229.000 -6.16%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Migdal Insurance and Financial Holdings Ltd. Operating Cashflow
Year Operating Cashflow Growth
2004 673.794.000
2005 457.456.000 -47.29%
2006 757.320.000 39.6%
2007 2.691.537.000 71.86%
2008 -964.865.000 378.95%
2009 1.669.135.000 157.81%
2010 0 0%
2011 524.122.000 100%
2012 2.205.197.000 76.23%
2013 2.670.733.000 17.43%
2014 -1.020.944.000 361.59%
2015 3.575.245.000 128.56%
2016 -1.801.101.000 298.5%
2017 2.031.098.000 188.68%
2018 1.023.004.000 -98.54%
2019 4.657.165.000 78.03%
2020 -5.072.187.000 191.82%
2021 7.122.780.000 171.21%
2022 -2.853.991.000 349.57%
2023 -2.852.121.000 -0.07%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Migdal Insurance and Financial Holdings Ltd. Capital Expenditure
Year Capital Expenditure Growth
2004 56.021.000
2005 0 0%
2006 110.109.000 100%
2007 0 0%
2008 176.859.000 100%
2009 196.205.000 9.86%
2010 0 0%
2011 326.619.000 100%
2012 362.954.000 10.01%
2013 166.213.000 -118.37%
2014 149.376.000 -11.27%
2015 176.562.000 15.4%
2016 139.047.000 -26.98%
2017 146.504.000 5.09%
2018 154.748.000 5.33%
2019 177.911.000 13.02%
2020 186.159.000 4.43%
2021 242.495.000 23.23%
2022 255.817.000 5.21%
2023 77.108.000 -231.76%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Migdal Insurance and Financial Holdings Ltd. Equity
Year Equity Growth
2005 2.682.670.000
2006 2.848.403.000 5.82%
2007 3.252.589.000 12.43%
2008 2.986.810.000 -8.9%
2009 4.053.153.000 26.31%
2010 4.634.875.000 12.55%
2011 4.537.619.000 -2.14%
2012 4.794.710.000 5.36%
2013 5.139.017.000 6.7%
2014 5.275.790.000 2.59%
2015 5.226.072.000 -0.95%
2016 5.385.083.000 2.95%
2017 5.899.384.000 8.72%
2018 5.952.584.000 0.89%
2019 5.733.418.000 -3.82%
2020 6.881.788.000 16.69%
2021 8.564.264.000 19.65%
2022 8.096.499.000 -5.78%
2023 8.152.704.000 0.69%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Migdal Insurance and Financial Holdings Ltd. Assets
Year Assets Growth
2005 50.829.607.000
2006 54.767.595.000 7.19%
2007 61.109.845.000 10.38%
2008 60.136.786.000 -1.62%
2009 74.075.308.000 18.82%
2010 4.696.073.000 -1477.39%
2011 86.098.852.000 94.55%
2012 96.933.081.000 11.18%
2013 109.734.050.000 11.67%
2014 119.051.958.000 7.83%
2015 126.341.900.000 5.77%
2016 135.138.121.000 6.51%
2017 147.575.609.000 8.43%
2018 154.139.451.000 4.26%
2019 171.407.892.000 10.07%
2020 181.922.314.000 5.78%
2021 204.159.025.000 10.89%
2022 196.896.541.000 -3.69%
2023 203.258.837.000 3.13%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Migdal Insurance and Financial Holdings Ltd. Liabilities
Year Liabilities Growth
2005 0
2006 51.916.790.000 100%
2007 57.854.668.000 10.26%
2008 57.145.863.000 -1.24%
2009 70.021.702.000 18.39%
2010 61.198.000 -114318.28%
2011 81.559.430.000 99.92%
2012 92.137.594.000 11.48%
2013 104.593.649.000 11.91%
2014 113.773.885.000 8.07%
2015 121.113.346.000 6.06%
2016 129.746.336.000 6.65%
2017 141.667.747.000 8.42%
2018 148.186.867.000 4.4%
2019 165.674.474.000 10.56%
2020 175.040.526.000 5.35%
2021 195.594.761.000 10.51%
2022 188.800.042.000 -3.6%
2023 195.106.133.000 3.23%

Migdal Insurance and Financial Holdings Ltd. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
26.35
Net Income per Share
0.4
Price to Earning Ratio
10.34x
Price To Sales Ratio
0.16x
POCF Ratio
5.96
PFCF Ratio
10.26
Price to Book Ratio
0.52
EV to Sales
-0.49
EV Over EBITDA
-26.76
EV to Operating CashFlow
-18.3
EV to FreeCashFlow
-30.46
Earnings Yield
0.1
FreeCashFlow Yield
0.1
Market Cap
4,41 Bil.
Enterprise Value
-13,08 Bil.
Graham Number
8.53
Graham NetNet
-174.15

Income Statement Metrics

Net Income per Share
0.4
Income Quality
1.73
ROE
0.05
Return On Assets
0
Return On Capital Employed
0
Net Income per EBT
0.68
EBT Per Ebit
1.76
Ebit per Revenue
0.01
Effective Tax Rate
0.31

Margins

Sales, General, & Administrative to Revenue
0.02
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.01
Pretax Profit Margin
0.02
Net Profit Margin
0.02

Dividends

Dividend Yield
0
Dividend Yield %
0.01
Payout Ratio
0.08
Dividend Per Share
0.05

Operating Metrics

Operating Cashflow per Share
0.7
Free CashFlow per Share
0.42
Capex to Operating CashFlow
-0.4
Capex to Revenue
-0.01
Capex to Depreciation
-1.94
Return on Invested Capital
0.03
Return on Tangible Assets
0
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-0.28

Balance Sheet

Cash per Share
17,29
Book Value per Share
7,99
Tangible Book Value per Share
6.51
Shareholders Equity per Share
7.99
Interest Debt per Share
0.34
Debt to Equity
0.02
Debt to Assets
0
Net Debt to EBITDA
-35.78
Current Ratio
6.98
Tangible Asset Value
6,63 Bil.
Net Current Asset Value
-177,48 Bil.
Invested Capital
0.02
Working Capital
15,10 Bil.
Intangibles to Total Assets
0.01
Average Receivables
0,00 Bil.
Average Payables
2,44 Bil.
Average Inventory
0
Debt to Market Cap
0.03

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Migdal Insurance and Financial Holdings Ltd. Dividends
Year Dividends Growth
2002 1
2003 1 0%
2004 12 100%
2005 67 82.09%
2006 40 -67.5%
2007 60 33.33%
2008 5 -1400%
2010 23 81.82%
2011 14 -57.14%
2012 14 0%
2013 38 62.16%
2014 38 0%
2015 38 0%
2017 10 -270%
2018 6 -66.67%
2019 33 81.82%
2021 4 -725%
2023 3 -33.33%

Migdal Insurance and Financial Holdings Ltd. Profile

About Migdal Insurance and Financial Holdings Ltd.

Migdal Insurance and Financial Holdings Ltd., together with its subsidiaries, provides insurance, pension, and financial services for private and corporate customers in Israel. The company deals and manages pension plans, life and health insurance products, pensions, and financial business plans; and provides personal accident and mortgage insurance solutions, and savings, as well as insurance agency services. It also markets investments; operates nostro accounts; and manages financial assets, including mutual funds and portfolios, as well as engages in the investment banking and distribution activities. The company was founded in 1934 and is based in Petah Tikva, Israel. Migdal Insurance and Financial Holdings Ltd. operates as a subsidiary of Eliahu Issues Ltd.

CEO
Mr. Joseph Ben Baruch
Employee
4.592
Address
Hayetzira 2 Street
Petah Tikva,

Migdal Insurance and Financial Holdings Ltd. Executives & BODs

Migdal Insurance and Financial Holdings Ltd. Executives & BODs
# Name Age
1 Mr. Noam Hauslich
Legal Counsel & Enforcement Officer
70
2 Mr. Joseph Ben Baruch
Chief Executive Officer, Chief Financial Officer & Manager of Finance Division
70
3 Mr. Asaf Shaham
Executive Vice President & Company Investment Division Manager
70
4 Mr. Abraham Shamay
Vice President and Head of General Insurance Claims Discipline
70
5 Mr. Lior Raviv
Chief Executive Officer of Simon Insurance Agencies Ltd.
70
6 Mr. Sagi Yogev
Chief Executive Officer of Migdal Insurance
70
7 Mr. Amit Oron
Vice President & Head of Operation
70
8 Ms. Michal Gur-Kagan
Chief Risk Officer
70
9 Mr. Stein Sagi
Chief Executive Officer of Migdal Mutual Funds
70
10 Ms. Tami Ohana Koll
Deputy Chief Executive Officer & Head of Technology
70

Migdal Insurance and Financial Holdings Ltd. Competitors