Phoenix Financial Ltd
Phoenix Financial Ltd provides life and health insurance products and services, generating revenue primarily through premium income and investment returns on its insurance reserves.
Business. Phoenix Financial Ltd (PHOE.TA) is a diversified construction and engineering company headquartered in Israel. The firm is primarily listed on the Tel Aviv Stock Exchange (TASE). Specific details regarding its operating segments and geographic revenue mix are not available.
Analyst recommendations
1 analysts · consensus BuyAt a glance
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- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
Phoenix Financial Ltd (PHOE.TA) is a diversified construction and engineering company headquartered in Israel. The firm is primarily listed on the Tel Aviv Stock Exchange (TASE). Specific details regarding its operating segments and geographic revenue mix are not available.
Phoenix Financial Ltd maintains a liquidity position with a cash and equivalents balance of 2.53 billion ILS, representing 12.8% of total assets, and a debt-to-equity ratio of 1.02, indicating a balanced capital structure. The company's free cash flow of 1.65 billion ILS and operating cash flow of 4.2 billion ILS support its liquidity position, though its operating income is negative at -13.31 billion ILS.
The company's profitability is mixed, with a return on equity (ROE) of 25.79%, which is strong, but a return on assets (ROA) of 1.63%, which is relatively low. This suggests that while the company is effectively using equity to generate returns, it is less efficient in utilizing its total assets to produce profit.
Phoenix Financial Ltd's revenue is concentrated in the life and health insurance segment, with no disclosed geographic breakdown. The company's exposure is primarily to the insurance market, and there is no indication of significant diversification across product lines or regions.
The company's growth trajectory is uncertain, with no specific revenue growth projections provided. However, the negative operating income of -13.31 billion ILS indicates a current challenge in maintaining profitability, which could affect future growth.
The risk assessment for Phoenix Financial Ltd indicates low liquidity and dilution risks, with no immediate filing-based liquidity or dilution flags detected. The company's capital structure and cash flow position support its liquidity, and there is no indication of near-term dilution pressure.
Recent events and filings do not show any significant changes or developments that would impact Phoenix Financial Ltd's operations or financial position. The company's financial snapshot and risk assessment suggest a stable, though not highly dynamic, business environment.
- Phoenix Financial Ltd has a strong return on equity (25.79%) but a low return on assets (1.63%), indicating efficient use of equity but less efficient use of total assets.
- The company maintains a balanced capital structure with a debt-to-equity ratio of 1.02 and a liquidity position supported by 2.53 billion ILS in cash and equivalents.
- Phoenix Financial Ltd's revenue is concentrated in the life and health insurance segment, with no disclosed geographic diversification.
- The company's negative operating income of -13.31 billion ILS suggests current challenges in maintaining profitability.
- Analysts have a strong buy recommendation for Phoenix Financial Ltd, with a mean price target of 175.00 ILS.
Bull / Bear case
Generated · model-assistedIn focus — financials by report
Valuation
Revenue by segment
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Peer comparison
Market position
Stress test
Predictor forecast
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | 13,30 |
| Revenue | —no estimate | —no estimate | 10,1B ILS |
| Operating income | —no estimate | —no estimate | —no estimate |
Options
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Earnings-call key lines
Consensus distribution
sell-side coverageEstimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
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Risk factors
- No immediate filing-based liquidity or dilution flags were detected.
Benchmarks vs cohort
Corporate actions / M&A
FX exposure
Comparable transactions
Derivatives & instruments
Physical assets
6 tracked| Asset | Type | Commodity | Country | Role |
|---|---|---|---|---|
| Dorad power station | Power | Oil & Gas | Israel | Parent |
| Dorad power station | Power | Power | Israel | Parent |
| Dorad power station | Power | Power | Israel | Parent |
| Dorad power station | Power | Oil & Gas | Israel | Parent |
| Dorad power station | Power | Oil & Gas | Israel | Parent |
| Dorad power station | Power | Power | Israel | Parent |
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- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Return On Equitynet_income / total_equity
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Cash Conversion Ratiooperating_cash_flow / net_income
- Return On Assetsnet_income / total_assets
- Phoenix Financial Ltd Market data — financials · 2026-05-28
- Phoenix Financial Ltd Market data — analyst estimates · 2026-05-28
- Phoenix Financial Ltd Market data — ESG · 2026-05-28
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Evidence & claims
From filings & derived data- Gross margin (FY 2025-03-31): 29.5%Derived (calculated)
- Net margin (FY 2025-03-31): 13.9%Derived (calculated)
- Capex (YoY) (2025-03-31 vs 2023-03-31): 81.7%Derived (calculated)
- Cost of revenue (YoY) (2025-03-31 vs 2024-03-31): 21.6%Derived (calculated)
- EPS (basic) (YoY) (2025-03-31 vs 2024-03-31): -14.3%Derived (calculated)
- EPS (diluted) (YoY) (2025-03-31 vs 2024-03-31): -14.3%Derived (calculated)
- Gross profit (YoY) (2025-03-31 vs 2024-03-31): 46.6%Derived (calculated)
- Net income (YoY) (2025-03-31 vs 2024-03-31): -2.9%Derived (calculated)
- Operating cash flow (YoY) (2025-03-31 vs 2024-03-31): 118.5%Derived (calculated)
- Operating income (YoY) (2025-03-31 vs 2024-03-31): 5.3%Derived (calculated)
- Revenue (YoY) (2025-03-31 vs 2024-03-31): 28.1%Derived (calculated)
- Operating cash flow (annual): USD 1.18MSEC XBRL filing
- Capex (annual): USD 41.09KSEC XBRL filing
- EPS (diluted) (annual): USD-PER-SHARES 0SEC XBRL filing
- Revenue (annual): USD 7.37MSEC XBRL filing
- Operating income (annual): USD 1.3MSEC XBRL filing
- Gross profit (annual): USD 2.18MSEC XBRL filing
- Total operating expenses (annual): USD 878.19KSEC XBRL filing
- Net income (annual): USD 1.03MSEC XBRL filing
- Cost of revenue (annual): USD 5.19MSEC XBRL filing
- Pre-tax income (annual): USD 1.3MSEC XBRL filing
- EPS (basic) (annual): USD-PER-SHARES 0SEC XBRL filing
- Gross margin (FY 2024-03-31): 25.8%Derived (calculated)
- Net income (YoY) (2024-03-31 vs 2023-03-31): 201.0%Derived (calculated)