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    Financial - Credit Services
Michlol Finance Ltd

Michlol Finance Ltd

MCLL.TA
Michlol Finance LtdIL flagTel Aviv Stock Exchange
1,281.00
ILA
-52.00
- -
630.60MMarket Cap
Michlol Finance Ltd
MCLL.TA
(Tel Aviv Stock Exchange)

Recent

price

1,281.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2019
2020
2021
2022
2023
2024
2025
TTM
FRC
0.06
0.06
1.14
1.68
2.17
2.45
2.46
2.56
Revenue per Share
-0.04
-0.04
0.2
0.65
0.97
1.17
1.15
1.2
Basic EPS, GAAP
0.02
-0.11
-3.22
-3.58
1.52
-4.32
-2.52
8.93
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
0.12
0.11
0.11
Dividend per Share
-0.07
-0.12
0.04
0.68
1.62
2.64
3.65
3.89
Book Value per Share
-0.05
0.3
4.4
4.06
5.34
6.32
8.59
8.99
Tangible Book Value per Share
41
41
30
41
42
43
44
45
Basic Weighted Avg Shares
2
2
35
69
92
106
107
116
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
1
2
2
2
2
2
Depreciation Expense
-2
-2
6
26
41
51
50
54
Net Income, GAAP
- -
- -
45.87
25.77
23.56
24.2
24.12
23.89
Effective Tax Rate (%)
-71.17
-71.17
17.19
38.52
44.5
47.89
46.8
46.87
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
185
472
842
1,167
1,247
1,913
2,195
LT Debt
-2
12
167
199
258
306
406
437
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
183.31
85.19
55.58
36.66
36.52
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
48
48
49
Market Capitalization
64,706
67,008
64,062

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
30
51
558
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
268.87%
32.86%
Free Cash Flow
- -
319.92%
-41.38%
Net Income, GAAP
- -
-3.67%
-1.22%
Sales/Revenue/Turnover
- -
292.31%
1.07%
Total Cash Common Dividend
- -
- -
0.22%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
26
27
27
26
106
2025
24
24
30
30
107
2026
33
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.29
0.28
0.32
- -
1.17
2025
0.28
0.24
0.32
- -
1.15
2026
0.33
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
0.12
- -
0.12
2025
- -
0.12
- -
- -
0.11
2026
- -
- -
- -
- -
- -
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Business
Michlol Finance Ltd (MCLL.TA), founded in 2017 and headquartered in Bnei Brak, Israel, engages primarily in non-banking credit provision and financing solutions through its subsidiaries, targeting residential real estate developers as well as medium and small businesses across various sectors including technology, industry, services, commercial projects, and hotels; core offerings encompass senior facilities, mezzanine loans, guarantees, tailored alternative credit, and comprehensive financing for construction project management in Israel and internationally. The company operates in two main segments, Michlol Real Estate, which supplies full-service financing alternatives to traditional banks for residential construction, urban renewal, and related developments, and Michlol Growth, which delivers flexible, customized credit to middle-market growth companies irrespective of economic sector, with competitive terms, rapid decision-making, and personalized structures supported by a multidisciplinary team of finance, engineering, and strategy experts from senior banking and real estate backgrounds. Clal Insurance and Finance holds a 25% stake, bolstering financial strength alongside significant equity capital and public debt market access; operations emphasize real-time opportunity financing for asset acquisition, enhancement, and value appreciation. Recent developments include Michlol Growth Ltd granting a 12 million euro credit facility, advised by Firon Bar-Nir, and ongoing strategic credit extensions such as to a Cyprus-based entity tied to Brown Hotels Group for hotel acquisitions, reflecting continued expansion in cross-border and sector-diverse lending within the past two years.