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Clal Insurance Enterprises Holdings Ltd.

Clal Insurance Enterprises Holdings Ltd.

CLIS.TA
Clal Insurance Enterprises Holdings Ltd.IL flagTel Aviv Stock Exchange
23,200.00
ILA
-380.00
- -
18.86BMarket Cap
Clal Insurance Enterprises Holdings Ltd.
CLIS.TA
(Tel Aviv Stock Exchange)

Recent

price

23,200.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2009
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
347.61
163.2
266.18
292.79
239.17
221.86
99.68
293.55
203.45
352.99
216.48
370.49
99
275.43
233.82
287.4
360.24
Revenue per Share
6.61
0.4
-0.88
10.02
4
8.62
0.73
3.66
-2.52
-2.32
6.48
16
1.64
2.83
19.47
28.57
28.88
Basic EPS, GAAP
-34.5
19.45
5.62
24.82
-11.41
33.5
-6.87
34.97
-16.67
51.56
-21.7
101.54
-37.93
-59.59
14.89
26.46
8.01
Free Cash Flow per Basic Share
0.11
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
0.01
1.29
2.55
2.54
Dividend per Share
41.69
- -
35.23
43.27
47.67
56.17
27.1
66.24
59.4
57.88
54.56
70.92
67.04
61.13
78.14
103.7
104
Book Value per Share
33.45
- -
39.41
46.75
51.89
55.61
27.07
64.34
64.85
79.45
75.4
96.05
92.42
66.23
83.53
109.33
110.34
Tangible Book Value per Share
53
55
55
55
55
55
119
55
56
56
68
68
74
78
79
80
80
Basic Weighted Avg Shares
18,418
9,011
14,734
16,207
13,239
12,289
11,814
16,276
11,307
19,782
14,643
25,062
7,306
21,448
18,495
22,919
28,780
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
222
230
197
203
229
236
261
258
322
320
325
322
457
493
515
526
Depreciation Expense
350
22
-49
555
222
477
86
203
-140
-130
439
1,082
121
220
1,540
2,278
2,307
Net Income, GAAP
49.82
43.69
- -
38.02
38.04
36.37
- -
26.6
- -
- -
24.45
31.25
35.05
35.73
32.33
32.58
32.83
Effective Tax Rate (%)
1.9
0.24
-0.33
3.42
1.67
3.88
0.73
1.25
-1.24
-0.66
3
4.32
1.66
1.03
8.33
9.94
8.02
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
- -
- -
- -
- -
- -
185
3,242
- -
4,656
- -
- -
528
14,689
14,828
- -
18,322
LT Debt
3,608
- -
3,441
3,927
4,302
4,584
4,713
4,913
4,947
5,750
6,356
7,787
8,060
7,362
8,818
10,913
11,009
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
6.9
14.75
- -
29.89
12.87
19.05
- -
5.84
- -
- -
9.46
28.53
4.82
5.05
10.16
19.27
16.91
Return on Capital (%)
17.24
1.99
-4.98
25.54
8.81
16.6
2.73
5.9
-4.02
-3.98
12.65
25.5
2.48
4.53
28.15
31.53
30.97
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
87
- -
LT Borrowings
14,986
16,567
17,599
LT Finance Leases
762
657
723
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
80
80
81
Market Capitalization
1,351,564
1,638,284
1,773,573

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
6,344
8,329
7,940
Accounts Receivable, Net
19,592
19,876
20,269
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
87
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
9.54%
12.18%
23.76%
Free Cash Flow
-188.18%
-137.86%
79.12%
Net Income, GAAP
22.82%
157.51%
47.92%
Sales/Revenue/Turnover
25.64%
40.8%
23.92%
Total Cash Common Dividend
- -
- -
99.02%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
7,366
1,415
4,384
6,926
18,495
2025
3,357
9,662
3,988
10,933
22,919
2026
4,197
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
3.96
7.68
5.27
- -
19.47
2025
5.12
6.77
7.41
- -
28.57
2026
5.45
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
0.03
- -
1.29
2025
- -
2.51
0.04
- -
2.55
2026
- -
- -
- -
- -
- -
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Business
Clal Insurance Enterprises Holdings Ltd. is an Israel-based holding company that operates through its primary subsidiaries, Clal Insurance and Finance Ltd. and Max, providing a broad range of insurance, long-term savings, financial services, and credit solutions primarily to private individuals and businesses in Israel. The company offers long-term savings products including life insurance, pension funds managing NIS 155 billion for 550,000 members, provident funds managing NIS 61 billion for 450,000 members, and investment provident funds; general insurance covering cars, homes, properties, and other non-life risks with annual premiums of NIS 3.8 billion; health insurance encompassing private health policies, foreign travel coverage, and supplementary medical services with annual premiums of NIS 1.9 billion; credit insurance and mortgages; and through Max, credit card issuance with 3.2 million active cards, clearing services, loans, business financial solutions, and digital payment options including mobile and contactless payments. Founded in 1987 and headquartered in Tower 8, Tel Aviv, Israel, the group manages assets exceeding NIS 369 billion as of December 2024, employs approximately 6,000 people across its operations, and holds significant market shares including 15% of the general insurance market, 14% of long-term savings assets, and 20% of life insurance premiums. In recent developments, the company completed the acquisition of Max from Warburg Pincus in March 2023 for NIS 2.47 billion, marking its entry into the credit card sector; entered a strategic investment partnership with Ellomay Capital in April 2025 for a 49% stake in a 198 MW Italian solar portfolio valued at approximately EUR 52 million; and as of October 2025, engaged in preliminary talks with Centerbridge Partners regarding a potential stake sale amid sector interest. Clal's investment arm, Canaf-Clal Financial Management Ltd., oversees NIS 350 billion in assets including pension and insurance reserves, while the group maintains strong credit ratings such as ilAA+ from S&P Ma'alot and Aa1 (IFS) from Midroog, with a solvency ratio of 162% as of June 2024.