Michlol Finance Ltd (MCLL) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Michlol Finance Ltd stock ILS 23.63, price ILS 13.64, upside +73.2%, quality 44 out of 100. Rating: strongly undervalued. Calculated from audited financials with 13 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
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 4.26 ILS – 16.95 ILS · fair‑value band 5.47 ILS – 37.09 ILS · the 13.64 ILS price screens below the 23.63 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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Michlol Finance Ltd, through its subsidiaries, engages in financing and management of construction projects in Israel and internationally.
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It offers finance to entrepreneurs in the field of residential real estate sector, as well as commercial and hotel projects; and credit to medium and small business corporations. The company was incorporated in 2017 and is based in Bnei Brak, Israel.
Stock analysis
Michlol Finance Ltd (MCLL) currently trades at 13.64 ILS, while our model-based Fair Value estimate is 23.63 ILS, implying the stock looks roughly 42% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of 42.09 ILS per share, and 7 of the 13 models we run sit above the 13.64 ILS price.
Bear case: the Asset-Based group reads lowest at 5.00 ILS, and 6 of the 13 models stay below the price. Data coverage for this calculation is high.
Scenario range: 5.47 ILS (bear) to 37.09 ILS (bull), the price of 13.64 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 44/100 (below-average quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Michlol Finance Ltd reported revenue of 221M ILS in FY2025 versus 46.2M ILS in FY2021, a compound +47.8%/yr. Reported net income was 50.3M ILS in FY2025, compounding +70.6%/yr from FY2021. FY2021 was a trough year, so the rate overstates the trend.
Key figures
Market cap 681M ILS Micro · P/E ratio 12.1 · P/S ratio 2.75 · EPS (TTM) 1.13 ILS · Dividend yield 0.7% · Net margin 24.8% · Return on equity 15.8% · Return on assets (EBIT) 5.0% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 71 out of 100 (low confidence).
What moves the price
The share trades about 18% below its 52-week high and 19% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −3% fair-value upside, at 73%, MCLL screens cheaper than that median.
Fair Value models
Bear5.47 ILSFair Value 23.63 ILSBull37.09 ILS
Price 13.64 ILS · Upside +73.2%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (0.9690 ILS per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income6.62 ILS7.30 ILS9.01 ILS74
Growth DCF33.00 ILS51.60 ILS80.66 ILS71
Owner Earnings32.83 ILS62.41 ILS113.06 ILS68
All 13 models by family
DCF Models
Owner Earnings32.83 ILS62.41 ILS113.06 ILS68
5Y P/E Exit19.69 ILS33.74 ILS51.39 ILS64
10Y P/E Exit25.54 ILS42.09 ILS66.05 ILS58
Earnings-Based
Graham-Dodd6.79 ILS47.36 ILS66.47 ILS61
Lynch FV24.47 ILS34.96 ILS45.44 ILS59
Dividend Discount
Gordon GGM0.6700 ILS1.09 ILS1.39 ILS66
DDM Multi-Stage0.6700 ILS1.05 ILS1.18 ILS65
Multiples
P/E Multiple9.74 ILS12.98 ILS16.23 ILS63
P/B Multiple7.84 ILS10.45 ILS13.07 ILS55
Asset-Based
NCAV (Graham)3.73 ILS5.00 ILS7.47 ILS51
Growth DCF
Growth DCF33.00 ILS51.60 ILS80.66 ILS71
Rev-Margin DCF18.03 ILS25.19 ILS40.10 ILS67
Economic Profit
Residual Income6.62 ILS7.30 ILS9.01 ILS74
The fair value above starts from this blend and is adjusted for dilution from new shares.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+8.4%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+47.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+88.6%
Start year 2020 (pandemic)
Revenue growth 7 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+156.0%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+42.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+41.9%
Dividend (yield on the price)0.7%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.−31% → 81%
Price, fair value, quality and upside side by side.
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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.Credit Services · 283 stocks
Beats the industry median on 5/13 measures
Overall it trails its industry peers.
Valuation
Quality Score44 · Below median
Fair Value upside+73.2% · Above median
Profitability
Return on equity (12 months)15.8% · Top 25%
Return on assets2.1% · Below median
Net margin (12 months)24.8% · Below median
Operating margin (12 months)82.7% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)22.8% · Above median
Dividend yield (12 months)0.7% · Bottom 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
P/E (12 months)12.1× · Pricier than median
P/B1.68× · Pricier than median
P/S (12 months)2.75× · Pricier than median
Price / free cash flow (fiscal year)8.9× · Pricier than median
EV/EBITDA3.1× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)100· sector 59
FUTURE (revenue growth)100· sector 57
PAST (return on equity)63· sector 39
HEALTH (low debt)–
DIVIDEND (yield)15· sector 64
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
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Is Michlol Finance Ltd (MCLL) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of 23.63 ILS versus a price of 13.64 ILS, about +73% upside (undervalued).
What is the fair value of MCLL?
Our model-based fair value for Michlol Finance Ltd is 23.63 ILS (as of Nov 7, 2026), built from audited fundamentals. The current price: 13.64 ILS.
What is the quality score of MCLL?
Michlol Finance Ltd has a Quality Score of 44/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Michlol Finance Ltd (MCLL)?
Our model-based price target is the fair value of 23.63 ILS (as of Nov 7, 2026) from 13 valuation models. Cautious scenario 5.47 ILS, optimistic scenario 37.09 ILS. It is a calculation from audited fundamentals, not an analyst target.
What is the Michlol Finance Ltd stock forecast for 2026?
Our models put fair value at 23.63 ILS, about +73% upside versus a price of 13.64 ILS (undervalued). Cautious scenario 5.47 ILS, optimistic scenario 37.09 ILS. The calculation is refreshed regularly with new filings.
What is the revenue of Michlol Finance Ltd (MCLL)?
Michlol Finance Ltd reported trailing-twelve-month revenue of about 248M ILS (latest available figure, as of Nov 7, 2026).
Does Michlol Finance Ltd pay a dividend?
Michlol Finance Ltd currently shows a dividend yield of 0.73% relative to its recent price (as of Nov 7, 2026).
How much is the dividend of Michlol Finance Ltd (MCLL)?
Michlol Finance Ltd has a dividend yield of 0.7%.
What is the intrinsic value of Michlol Finance Ltd (MCLL)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Michlol Finance Ltd it is 23.63 ILS per share (as of Nov 7, 2026), against a price of 13.64 ILS. It is the blended result of 13 valuation models in 7 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit).
Is Michlol Finance Ltd stock overvalued or undervalued in 2026?
As of Nov 7, 2026, MCLL trades below its calculated fair value: price 13.64 ILS, fair value 23.63 ILS, a gap of about +73% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of MCLL?
No. The price is what the market pays today (13.64 ILS); the fair value is what the company's own numbers justify (23.63 ILS). For Michlol Finance Ltd the two are 9.99 ILS per share apart. That gap is exactly why we show both numbers side by side.
How much is Michlol Finance Ltd worth?
The market values Michlol Finance Ltd at about 681M ILS (market capitalisation, as of Nov 7, 2026). Per share that is 13.64 ILS; our models calculate a fair value of 23.63 ILS per share.
What do the bullish and bearish scenarios say about MCLL?
Our models span a range for Michlol Finance Ltd: cautious scenario 5.47 ILS, base 23.63 ILS, optimistic 37.09 ILS per share (as of Nov 7, 2026, price 13.64 ILS). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of MCLL?
Michlol Finance Ltd trades at a price-to-earnings ratio of 12.1 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 23.63 ILS is built from several models across several years. Other multiples: P/B 1.7, P/S 2.7, EV/EBITDA 3.1.
How solid is the balance sheet of Michlol Finance Ltd (MCLL)?
Balance-sheet figures for Michlol Finance Ltd (as of Nov 7, 2026): return on equity 15.8%. They feed the Quality Score of 44/100, which measures business quality independently of the share price.
How far is MCLL from its 52-week high?
Michlol Finance Ltd trades at 13.64 ILS, about 18% below its 52-week high of 16.55 ILS and 19% above the low of 11.49 ILS (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 23.63 ILS is for.
Which stocks are comparable to Michlol Finance Ltd?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Michlol Finance Ltd stock attractive at the current price?
The data as of Nov 7, 2026: price 13.64 ILS, calculated fair value 23.63 ILS (+73%), Quality Score 44/100, from 13 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of MCLL calculated?
We run Michlol Finance Ltd through 13 models from 7 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit. Every model gets the same audited fundamentals; the fair value of 23.63 ILS builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Michlol Finance Ltd currently trades 42% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Michlol Finance Ltd (MCLL)?
The closing price on Nov 6, 2026 was 13.64 ILS. Our model-based fair value is 23.63 ILS, about +73% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Michlol Finance Ltd right now?
The large discount to fair value meets weak quality (44/100). That raises the risk this is a value trap rather than a bargain. The model range is unusually wide (5.47 ILS to 37.09 ILS). The outcome hinges heavily on assumptions, so read the point estimate with caution. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Michlol Finance Ltd
How large is the market capitalisation of Michlol Finance Ltd (MCLL)?
The market capitalisation of Michlol Finance Ltd is 681M ILS. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Michlol Finance Ltd (MCLL)?
The price-to-sales ratio of Michlol Finance Ltd is 2.75 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Michlol Finance Ltd (MCLL)?
Earnings per share at Michlol Finance Ltd are 1.13 ILS (price ÷ EPS = P/E 12.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Michlol Finance Ltd (MCLL)?
The dividend yield of Michlol Finance Ltd is 0.7% (payout 8.8%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Michlol Finance Ltd (MCLL)?
The net margin of Michlol Finance Ltd is 24.8% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Michlol Finance Ltd (MCLL)?
The return on equity (ROE) of Michlol Finance Ltd is 15.8% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Michlol Finance Ltd (MCLL)?
On an EBIT basis the return on assets of Michlol Finance Ltd is 5.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Michlol Finance Ltd (MCLL)?
The operating margin of Michlol Finance Ltd is 82.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Michlol Finance Ltd (MCLL)?
Revenue at Michlol Finance Ltd is growing +22.8% versus a year earlier (3y avg +47.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Michlol Finance Ltd (MCLL)?
Earnings per share at Michlol Finance Ltd are growing +46.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Michlol Finance Ltd (MCLL) generate?
The free cash flow of Michlol Finance Ltd is 76.5M ILS (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Michlol Finance Ltd (MCLL) carry?
The net debt of Michlol Finance Ltd is 1.9B ILS (fiscal year 2025, ≈ 24.4 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Broad data
Nov 7, 2026