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Clal Insurance Enterprises Holdings Ltd. (CLIS.TA)

ILA23,060.00 -560.00 (-2.37%)
IL TLV Financial Services Insurance - Diversified
Address 36 Raul Wallenberg Street 6136902
Tel Aviv, IL
CEO Yoram Naveh
Website clalbit.co.il
IPO 2002-08-12
ISIN IL0002240146

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Description

Clal Insurance Enterprises Holdings Ltd., an Israeli firm, delivers a comprehensive array of insurance solutions. Its business operations are structured into three main divisions: Long-Term Savings, Non-Life Insurance, and Health Insurance. The Long-Term Savings division provides life insurance products with associated coverages, various long-term savings programs, and manages pension and provident funds, including those designated for educational purposes. This segment also offers protection against risks such as mortality, impairment, loss of earning capacity, and diverse health-related circumstances. The Non-Life Insurance division encompasses policies for third-party, employer, professional, and product liabilities. It further covers credit and international trade exposures, property damage, vehicle protection, personal injury coverage, and other general insurance lines, alongside issuing guarantees. The Health Insurance division supplies policies for extended care, medical costs, surgical procedures, organ transplants, accidental injuries, international travel, dental services, coverage for foreign laborers, and other specific health protections. Clal Insurance Enterprises Holdings Ltd. was established in 1987 and maintains its headquarters in Tel Aviv-Yafo, Israel.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
ILA23,060.00 -560.00 (-2.37%)
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Volume Profile
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Liquidity & share structure
Average Volume
293.6K
Beta
0.68
Float Shares
65.16M
Free Float %
80.6%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.53% +0.07% +11.05% +21.17% +46.33% +37.72% +145.28% +436.35% +322.84% +537.35% +434.53%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
23,060.00
DCF (Unlevered) 25,011.79 +8.5%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 100% Bullish
Rating 2026-05 Change
Strong Buy 0 0
Buy 1 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
-0.37
Distress
Piotroski F-Score
4 / 9
Average
MOAT Score
5 / 10
Developing
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
4 / 5
High
ROE Score
5 / 5
High
ROA Score
4 / 5
High
D/E Score
1 / 5
Low
P/E Score
3 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
✗ Below peers
  • ✗
    Revenue growth Insurance - Diversified: +15.2%
    -43.6% Q1'26: +25.0% (vs Q1'25)
  • ✓
    EPS growth Insurance - Diversified: +25.3%
    +204.3% ★ Q1'26: +5.4% (vs Q1'25)
  • ✓
    FCF margin FCF growth · Insurance - Diversified: +30.2%
    +77.0% ★ Q1'26: -20.4% (vs Q1'25)
  • ✓
    EBIT margin Insurance - Diversified: +13.5%
    +28.1% ★ Q1'26: +20.7% (vs Q1'25)
  • ✗
    ROIC Insurance - Diversified: +4.2%
    +11.9% ★ Q1'26: +10.7% (vs Q1'25)
  • ✗
    Share dilution Insurance - Diversified: +0.0%
    +4.3% Q1'26: +1.6% (vs Q1'25)
  • ✗
    Debt / EBITDA Net debt/EBITDA · Insurance - Diversified: -0.05×
    3.63× Q1'26: 4.61× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
▶ WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.68) × ERP
WACC = 58% × Ke + 42% × Kd (5.0%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
—
Intrinsic value (base): 25,567.19 Current price: 23,060.00
Enterprise Value: — Equity Value: — Terminal Value: — TV as % of EV: —

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2025
actual 		Dec 2026
1 Rev. Ana.
1 EPS Ana. 		Dec 2027
1 Rev. Ana.
1 EPS Ana. 		Dec 2028
1 Rev. Ana.
1 EPS Ana. 		Dec 2029
1 Rev. Ana.
1 EPS Ana. 		Dec 2030
1 Rev. Ana.
1 EPS Ana.
Revenue
15.13B
est: 8.75B (+72.9%)
9.22B
9.22B – 9.22B
+5.4% YoY
9.56B
9.56B – 9.56B
+3.6% YoY
9.90B
9.90B – 9.90B
+3.5% YoY
16.80B
16.80B – 16.80B
+69.8% YoY
17.25B
17.25B – 17.25B
+2.7% YoY
EBITDA
4.77B
est: 1.15B (+315.8%)
1.21B
1.21B – 1.21B
+5.4% YoY
1.25B
1.25B – 1.25B
+3.6% YoY
1.30B
1.30B – 1.30B
+3.5% YoY
2.20B
2.20B – 2.20B
+69.8% YoY
2.26B
2.26B – 2.26B
+2.7% YoY
EBIT
4.25B
est: 917.71M (+363.3%)
967.61M
967.61M – 967.61M
+5.4% YoY
1.00B
1.00B – 1.00B
+3.6% YoY
1.04B
1.04B – 1.04B
+3.5% YoY
1.76B
1.76B – 1.76B
+69.8% YoY
1.81B
1.81B – 1.81B
+2.7% YoY
Net Income
2.28B
est: 2.27B (+0.2%)
2.27B
2.27B – 2.27B
-0.2% YoY
2.40B
2.40B – 2.40B
+5.5% YoY
2.53B
2.53B – 2.53B
+5.5% YoY
2.67B
2.67B – 2.67B
+5.5% YoY
2.81B
2.81B – 2.81B
+5.5% YoY
SGA
—
est: 394.94M (-100.0%)
416.42M
416.42M – 416.42M
+5.4% YoY
431.37M
431.37M – 431.37M
+3.6% YoY
446.69M
446.69M – 446.69M
+3.5% YoY
758.48M
758.48M – 758.48M
+69.8% YoY
778.65M
778.65M – 778.65M
+2.7% YoY
EPS
28.57
est: 27.43 (+4.2%)
27.38
27.38 – 27.38
-0.2% YoY
28.90
28.90 – 28.90
+5.5% YoY
30.48
30.48 – 30.48
+5.5% YoY
32.15
32.15 – 32.15
+5.5% YoY
33.92
33.92 – 33.92
+5.5% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-26 B+ 3/5 4/5 5/5 4/5 1/5 3/5 2/5
2026-05-25 B+ 3/5 4/5 5/5 4/5 1/5 3/5 2/5
2026-05-20 B+ 3/5 4/5 5/5 4/5 1/5 3/5 2/5
2026-05-19 B+ 3/5 4/5 5/5 4/5 1/5 3/5 2/5
2026-05-18 B+ 3/5 4/5 5/5 4/5 1/5 3/5 2/5
2026-05-15 B+ 3/5 3/5 5/5 4/5 1/5 3/5 2/5
2026-05-14 B+ 3/5 3/5 5/5 4/5 1/5 3/5 2/5
2026-05-13 B+ 3/5 3/5 5/5 4/5 1/5 4/5 2/5
2026-05-12 B+ 3/5 3/5 5/5 4/5 1/5 4/5 2/5
2026-05-11 B+ 3/5 3/5 5/5 4/5 1/5 4/5 2/5
2026-05-08 B+ 3/5 3/5 5/5 4/5 1/5 4/5 2/5
2026-05-07 B+ 3/5 3/5 5/5 4/5 1/5 4/5 2/5
2026-05-06 B+ 3/5 3/5 5/5 4/5 1/5 4/5 2/5
2026-05-05 B+ 3/5 3/5 5/5 4/5 1/5 4/5 2/5
2026-05-04 B+ 3/5 3/5 5/5 4/5 1/5 4/5 2/5
2026-05-01 B+ 3/5 3/5 5/5 4/5 1/5 4/5 2/5
2026-04-30 B+ 3/5 3/5 5/5 4/5 1/5 4/5 2/5
2026-04-29 B+ 3/5 3/5 5/5 4/5 1/5 4/5 2/5
2026-04-28 B+ 3/5 3/5 5/5 4/5 1/5 4/5 2/5
2026-04-27 A- 4/5 4/5 5/5 4/5 1/5 4/5 2/5
2026-04-24 A- 4/5 4/5 5/5 4/5 1/5 4/5 2/5
2026-04-23 A- 4/5 4/5 5/5 4/5 1/5 4/5 2/5
2026-04-20 A- 4/5 4/5 5/5 5/5 1/5 4/5 2/5
2026-04-17 A- 4/5 4/5 5/5 5/5 1/5 4/5 2/5
2026-04-16 A- 4/5 4/5 5/5 5/5 1/5 4/5 2/5
2026-04-15 A- 4/5 4/5 5/5 5/5 1/5 4/5 2/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
1.89B
OE per share TTM
22.84
Owner's Yield
8.16%
Maintenance CapEx ratio
21.69%
Maint CapEx / Avg PPE
4.4%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
1.16M
Shares Outstanding
80.81M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Sagit Dotan CEO of Max 5M female
Yoram Naveh Chief Executive Officer 3M male
Eran Cherninsky Executive Vice President, Chief Financial Officer & Head of Finance Division 3M male
Moshe Arnst Deputy Chief Executive Officer & Chief Executive Officer of Clal Pension & Provident Funds 2M male
Barak Benski Deputy CEO, EVP of Investment Manager & Head of the Investment Division — male
Shlomi Tamman Deputy Chief Executive Officer & Agents Manager — male
Tal Cohen Senior Vice President & Chief Accounting Division Manager — male
Liat Strauss Deputy Chief Executive Officer and Director of Service, Human Resources & Operations — female
Dror Biran Deputy Chief Executive Officer & General Counsel — male
Dror Sessler Deputy Chief Executive Officer & Director of Claims — male
Galli Schved Executive Vice President of Marketing and Strategy Unit Manager of Clal Insurance — female
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits

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