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Michlol Finance
Company page · Non-bank lending

Michlol Finance

TASE : MCLLISIN : IL0011797532Headquarters: Bnei BrakIFRS accounts · in ₪M

Michlol Finance Ltd, through its subsidiaries, engages in financing and management of construction projects in Israel and internationally. Based in Bnei Brak.

Price₪14.16+0.9% · session of 12/11/2026
Market cap₪714Mprice × number of shares
Next resultsno later than 30/11/2026Quarterly report
1-year price−8.2% over the period
Analysis in brief · H1 2026

Michlol Finance: net income sharply up (+48.7%), sales sharply up (+27.7%), operating income sharply up (+48.1%).

  • Net income sharply up

    Net income: ₪34M, vs. ₪23M a year earlier, i.e. +48.7%.

    H1 2026
  • Sales sharply up

    Revenue: ₪126M, vs. ₪99M a year earlier, i.e. +27.7%.

    H1 2026
  • Operating income sharply up

    Operating income: ₪44M, vs. ₪30M a year earlier, i.e. +48.1%.

    H1 2026
  • Cash flow sharply down

    Operating cash flow: ₪−1M, vs. ₪9M a year earlier, i.e. −114.7%.

    H1 2026
Built automatically from the published figures.
Valuation

What the market pays, vs. the sector

P/E11.6price / net income over 12 months
P/B1.6market cap / equity
Dividend yield0%dividends over the last 12 months / price
12-month range₪12.91 – ₪15.50monthly closes

This company's valuation multiples history is being built day by day from now on.

P/E calculated on net income (trailing 12 months: last fiscal year + H1 2026 − same period a year earlier). Sector median: companies in the group tracked here. Prices: Yahoo Finance; market cap cross-checked with the Tel Aviv Stock Exchange for Israeli stocks. These ratios describe a price, not a value: none of them says whether the share is expensive or cheap.

Dividends

Dividend per share, over 5 years

202120222023₪0.122024₪0.1220252026 (to date)

Total dividends per share paid each calendar year (2 year(s) out of 5 with a payment). Source: Yahoo Finance. The current year is not complete.

Insiders

Trades by executives and interested parties

10 filing(s) over 12 months · on shares: 1 increase(s) and 1 decrease(s) in holdings.

DateHolderSecurityDirectionQuantityPrice
08/11/2026Erez Vaida
Executive		OptionsDown3₪9.26Maya ›
05/11/2026Erez Vaida
Executive		OptionsDown3₪9.26Maya ›
03/11/2026Erez Vaida
Executive		OptionsDown100,000₪9.26Maya ›
01/11/2026Erez Vaida
Executive		OptionsDown2,008₪9.26Maya ›
21/10/2026Erez Vaida
Executive		OptionsDown100,000₪9.26Maya ›
20/07/2026Clal Insurance Enterprises Holdings LTD
Interested party		OptionsDown1,115,584₪9.55Maya ›
30/04/2026Erez Vaida
Executive		OptionsDown2,056₪9.26Maya ›
18/01/2026Clal Insurance Enterprises Holdings LTD
Interested party		OptionsDown1,431,000₪9.55Maya ›
08/01/2026Ayelet Russak
Director		SharesDown1,430,000₪14.00Maya ›
02/12/2025Uriel Paz
Director		SharesUp562,000₪12.65Maya ›

Filings submitted on Maya (executives, directors, shareholders above 5%). An increase or decrease in holdings may come from a purchase or sale on the exchange, but also from a grant or exercise of options (price "—": grant with no price). Bonds excluded. For details, see the filing on Maya.

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Every report from a TA-125 company, analyzed the same day: key figures and year-on-year change, analysis in brief, share price reaction. One daily summary during earnings season.

Detailed figures and history
The figures

Financial summary

S1 2026S1 2025FY 2025
Total assets2,7711,9622,429
Current assets1,6481,1821,521
Non-current assets1,123780909
Equity455324406
of which minority interests000
Current liabilities1,6419451,271
Non-current liabilities675693752
Revenue12699221
Gross profit6345102
Operating income443067
Pre-tax income443066
Net income342350
Net income (attributable to shareholders)342350
Dividends paid0−5−5
Operating cash flow−19−110

In millions of shekels. The "H1" columns cover the first six months of the year.

Ratios

Calculated from these figures

S1 2026S1 2025FY 2025
Gross margin50.2%45.6%46.3%
Operating margin35.1%30.3%30.3%
Net margin26.8%23.0%22.8%
Current ratio (current assets / current liabilities)1,0 x1,3 x1,2 x
Equity / total assets16.4%16.5%16.7%

The 5-year history, charts and cross-check models are coming for companies listed only in Tel Aviv: each new filing on Maya is kept and enriches the page.

Company overview

Michlol Finance Ltd, through its subsidiaries, engages in financing and management of construction projects in Israel and internationally. It offers finance to real estate developers, and medium and small business corporations, such as real estate, industry, technology and services. The company also provides loans primarily backed by residential real estate to private customers. The company was incorporated in 2017 and is based in Bnei Brak, Israel.

Source: official company profile (Yahoo Finance), summary. Website: www.michlol-fin.co.il

Sources
Information, no recommendation. This site presents figures published by companies and calculations based on those figures. It is not investment advice, nor a recommendation to buy or sell, nor a valuation of the companies. Always check the original reports.