Clal Insurance Enterprises Holdings Ltd (CLIS) fair value: what the stock is really worth
As of Nov 5, 2026: fair value (intrinsic value) of Clal Insurance Enterprises Holdings Ltd stock ILS 211, price ILS 243, that is 12.9% below the price, quality 52 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Clal Insurance Enterprises Holdings Ltd
CLIS · TAOur calculation puts a fair price 13% below what the stock costs today.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.
How to read this chart
60‑month range 43.68 ILS – 302.30 ILS · fair‑value band 157.44 ILS – 322.55 ILS · the 242.70 ILS price screens above the 211.44 ILS fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.
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Company profile
Clal Insurance Enterprises Holdings Ltd. operates in the fields of insurance, pensions, provident funds and finance, and credit insurance in Israel.
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The company's Long-Term Savings segment includes life insurance and related coverages; and management of pension and provident funds, and long-term savings, as well as insurance coverage for various risks, such as death, disability, loss of working capacity, and health insurance policies.
Its Health Insurance segment provides long-term care, medical expense, surgeries, transplants, personal accidents, foreign travel, dental, foreign worker, and other insurance products.
The company's General insurance segment comprises liability and property sectors, credit insurance, personal accidents, and others.
This segment also provides mandatory vehicle that focuses on coverage, the purchase of which by the vehicle owner or driver is mandatory, in respect of bodily injury caused as a result of the use of a motor vehicle; vehicle property that covers property damage to the policyholder's vehicle and third-party property damage caused by the insured vehicle; property and other insurance products; credit insurance and foreign trade risk insurance products; and third-party, employers', professional, and product liability insurance products.
Its Credit Card Segment provides bank payment cards for B2B2C customers; sells and markets of non-bank credit cards, consumer credit, and other products directly to private customers; ancillary and related services and complementary products to the clearing services; products and services offered to merchants, such as loans, voucher discounting, advance payments, and guarantees; and e-commerce payment solutions, bookkeeping management, and digital invoice services.
The company was incorporated in 1987 and is based in Tel Aviv-Yafo, Israel.
Stock analysis
Clal Insurance Enterprises Holdings Ltd (CLIS) currently trades at 242.70 ILS, while our model-based Fair Value estimate is 211.44 ILS, 13% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 258.04 ILS per share, and 1 of the 6 models we run sit above the 242.70 ILS price.
Bear case: the Dividend Discount group reads lowest at 34.55 ILS, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: 157.44 ILS (bear) to 322.55 ILS (bull), the price of 242.70 ILS sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 52/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Clal Insurance Enterprises Holdings Ltd reported revenue of 15.1B ILS in FY2025 versus 25.1B ILS in FY2021, a compound −11.9%/yr. Reported net income was 2.3B ILS in FY2025, compounding +20.5%/yr from FY2021.
Key figures
Market cap 19.7B ILS Mid · P/E ratio 8.5 · P/S ratio 1.13 · EPS (TTM) 28.54 ILS · Dividend yield 0.8% · Net margin 13.7% · Return on equity 22.6% · Return on assets (EBIT) 0.8% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 69 out of 100 (low confidence).
What moves the price
The share trades about 20% below its 52-week high and 32% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at −13%, CLIS screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Revenue & earnings trend
Earlier news
- Clal Insurance (TASE:CLIS) Stock Appears Reasonably Priced After A 7x Run
- Clal Insurance Enterprises Holdings (TASE:CLIS) Valuation Check After Strong 1 Year Shareholder Return
Compare Clal Insurance Enterprises Holdings Ltd with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Insurance - Life · 77 stocks
Valuation Multiplesvs Insurance - Life median · lower = cheaper
Strength profile in five axes (Snowflake)
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Return on equity by industry
- Quality Score by industry
- PEG screener for stocks with fair value
- Valuation of the Israel market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Insurance - Life stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Ping An Insurance (Group) Company 601318 | ¥54.50 | ¥66.91 | +23% | vs CLIS |
| China Life Insurance Company 601628 | ¥35.51 | ¥40.47 | +14% | vs CLIS |
| Life Insurance Corporation LICI | ₹394.00 | ₹299.42 | −24% | vs CLIS |
| Cathay Financial Holding 2882 | 106.00 TWD | 71.53 TWD | −33% | vs CLIS |
| Manulife Financial Corporation MFC | $43.24 | $26.70 | −38% | vs CLIS |
| Fubon Financial Holding 2881 | 155.50 TWD | 86.48 TWD | −44% | vs CLIS |
| Aflac Incorporated AFL | $124.06 | $67.30 | −46% | vs CLIS |
| AIA Group 1299 | HK$78.45 | HK$41.63 | −47% | vs CLIS |
| MetLife, Inc MET | $98.27 | $48.73 | −50% | vs CLIS |
| Great-West Lifeco Inc GWO | C$90.17 | C$41.90 | −54% | vs CLIS |
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Key figures of Clal Insurance Enterprises Holdings Ltd
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