1. Israel Stocks

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    Finance

  3. •

    Multi-line insurance
Clal Insurance Enterprises Holdings Limited

Clal Insurance Enterprises Holdings Limited

TTASE:CLIS
29,750.00
ILA
-380.00
(-1.26%)
2,873.18EPS
7.68P/E
1.86TMarket Cap
Dec 02Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
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
357.26
Basic EPS, GAAP
10.02
4
8.62
0.73
3.66
-2.52
-2.32
6.48
16
1.64
2.83
19.47
28.57
29.73
Free Cash Flow per Basic Share
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
20.54
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
0.01
1.29
2.55
5.02
Book Value per Share
70.42
77.07
82.15
84.35
87.62
88.13
84.23
93.12
104.31
107.95
92.23
110.05
135.26
141.97
Tangible Book Value per Share
46.22
51.25
54.99
57.19
63.4
63.97
65.04
74.57
86.89
91.21
64.33
82.22
107.85
114.91
Basic Weighted Avg Shares
55
55
55
119
55
56
56
68
68
74
78
79
80
80
Sales/Revenue/Turnover
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
28,664
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
197
203
229
236
261
258
322
320
325
322
457
493
515
525
Net Income, GAAP
555
222
477
86
203
-140
-130
439
1,082
121
220
1,540
2,278
2,385
Effective Tax Rate (%)
38.02
38.04
36.37
- -
26.6
- -
- -
24.45
31.25
35.05
35.73
32.33
32.58
32.47
Profit Margin (%)
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
8.32
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
3,071
3,002
3,293
185
3,242
3,210
4,656
4,612
4,815
528
14,689
14,828
17,224
19,580
Total Equity
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
11,633
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
9.74
4.65
7.38
- -
4.65
- -
- -
5.19
10.48
2.38
4.13
9.04
10.98
10.58
Return on Common Equity (%)
15.18
5.43
10.83
1.87
4.26
-2.87
-2.46
7.31
15.43
1.54
2.88
19.21
23.28
22.68

Capital Structure

ILS

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
87
- -
- -
LT Borrowings
16,567
17,599
18,863
LT Finance Leases
657
723
717
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
80
81
81
Market Capitalization
16,466
17,925
18,568

Working Capital

ILS

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
8,329
7,940
9,280
Accounts Receivable, Net
19,876
20,269
21,219
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
87
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

ILS

•

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

ILS

•

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
9,546
- -
- -
- -

Quarterly Earnings Per Share

ILS

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
3.96
7.68
5.27
4.23
19.47
2025
5.12
6.77
7.41
9.24
28.57
2026
5.45
7.63
- -
- -
- -

Quarterly Dividends Per Share

ILS

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
0.03
1.26
1.29
2025
- -
2.51
0.04
- -
2.55
2026
- -
4.95
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Yoram Naveh
Full Time Employees
3,610
Sector
Finance
Industry
Multi-line insurance
Address
Tower 8 Tel Aviv TA Israel 6136902
IPO Date
Feb 28, 1988
Website
clalbit.co.il
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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.