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Menif - Financial Services Ltd.

Menif - Financial Services Ltd.

TTASE:MNIF
2,366.00
ILA
+27.00
(+1.15%)
328.84EPS
7.15P/E
144.46BMarket Cap
Menif - Financial Services Ltd.
TASE:MNIF
(Tel Aviv Stock Exchange)

Recent

price

2,366.00

P/E

ratio

7.15

div

yld

6.94%

ROIC.AI

2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
ILS
0.7
1.37
1.71
2.39
2.02
3.04
5.49
7.02
8.8
8.82
Revenue per Share
0.14
0.28
0.45
0.2
0.91
1.54
2.06
2.52
3.08
3.32
Basic EPS, GAAP
-0.97
-1.2
-2.66
-6.14
-2.89
-13.57
-7.08
-7
-5.35
-0.18
Free Cash Flow per Basic Share
- -
- -
- -
- -
0.4
0.78
0.46
0.56
1.01
1.64
Dividend per Share
- -
0.35
0.66
4.53
4.99
5.81
7.44
9.38
11.32
11.99
Book Value per Share
- -
0.35
0.66
4.53
4.99
5.81
7.44
9.38
11.32
11.99
Tangible Book Value per Share
58
40
40
41
60
60
60
60
61
61
Basic Weighted Avg Shares
41
55
69
98
122
184
332
423
533
538
Sales/Revenue/Turnover
26.95
26.47
34.66
17.86
60.54
66.29
49.06
46.67
45.93
49.14
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
8
11
18
8
55
93
124
152
186
202
Net Income, GAAP
24.88
23.35
24.18
53.89
25.07
23.94
23.34
23.18
23.52
23.12
Effective Tax Rate (%)
19.86
20.28
26.33
8.27
45.21
50.52
37.49
35.88
34.95
37.6
Profit Margin (%)
- -
-246
-240
194
198
137
283
283
254
471
Working Capital
- -
- -
- -
410
705
1,365
1,428
1,513
1,856
2,497
LT Debt
- -
21
39
265
302
352
451
563
690
731
Total Equity
- -
- -
3.87
0.87
5.78
6.01
5.45
5.26
5.41
5.36
Return on Invested Capital (%)
- -
- -
4.06
1.22
5.87
6.1
5.48
5.32
5.48
5.34
Return on Capital (%)
- -
- -
61.58
5.36
19.5
28.47
31.06
30.01
29.75
29.91
Return on Common Equity (%)

Capital Structure

ILS

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
1,138
1,059
664
LT Borrowings
1,854
2,029
2,495
LT Finance Leases
2
2
2
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
61
61
61
Market Capitalization
1,491
1,489
1,445

Working Capital

ILS

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
1,459
1,363
1,178
Cash, Cash Equivalents & STI
42
21
22
Accounts Receivable, Net
- -
- -
- -
Inventories
11
6
6
Total Current Liabilities
1,205
1,101
707
Payables & Accruals
- -
- -
- -
ST Debt
1,138
1,059
664
Deferred Revenue
- -
- -
- -

Growth Rates

ILS

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
21.2%
22.65%
Free Cash Flow
- -
53.27%
-23.22%
Net Income, GAAP
- -
145.28%
22.61%
Sales/Revenue/Turnover
- -
41.78%
25.88%
Total Cash Common Dividend
- -
- -
79.42%

Quarterly Revenue

ILS

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
98
102
106
117
423
2025
122
128
138
145
533
2026
127
129
- -
- -
- -

Quarterly Earnings Per Share

ILS

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.58
0.6
0.65
0.69
2.52
2025
0.7
0.71
0.78
0.88
3.08
2026
0.83
0.83
- -
- -
- -

Quarterly Dividends Per Share

ILS

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
0.13
0.21
0.23
0.56
2025
0.28
0.13
0.23
0.36
1.01
2026
0.59
0.46
- -
- -
- -
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Business
Menif - Financial Services Ltd provides mezzanine financing for equity to real estate promoters and contractors in the construction sector, including financing part of the equity capital required for entrepreneurs under closed banking support as well as leverage for projects and assets needing creative non-bank financing; the company operates through subsidiaries in Israel and foreign entities for overseas real estate assets, primarily serving residential projects throughout Israel and residential and commercial developments internationally. Founded on March 30, 1999, and headquartered at 14 Abba Hillel Street, Ramat Gan, Israel, Menif enjoys strong backing from leading Israeli financial institutions such as Bank Discount and Mivtach Shamir Holdings Ltd, which holds approximately 49% ownership, enabling robust funding and collaboration with all major Israeli banks that often refer clients. In recent developments, the company reported strong financial performance in 2025 with third-quarter net profit rising 21% year-over-year to support revenue growth of 29% to ILS 137.5 million, alongside portfolio expansion including a ILS 111 million credit portfolio managed for Clal Insurance, dividend distributions totaling over ILS 36 million year-to-date, and strategic partnerships enhancing client acquisition and risk-managed growth amid real estate market challenges.