Michlol Finance Ltd (MCLL) Fair Value & Analysis
Financial Services · Il · Market cap 647M ILA
Fair value as of: Jul 18, 2026
From 13 valuation models · updated 23 days ago
Share price +13.5% over the past month.
A solid business, currently priced close to our fair value.
What matters now
- The price sits close to our fair value, market and models broadly agree here, little valuation tension.
- A fairly wide model range (9.96 ILA to 20.86 ILA) leaves room in how you read the outcome.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 18, 2026.
How to read this chart
59‑month range 3.86 ILA – 15.33 ILA · fair‑value band 9.96 ILA – 20.86 ILA · the 13.14 ILA price screens below the 13.29 ILA fair value. Dashed = 300-day average. As of Jul 18, 2026.
Analysis
Michlol Finance Ltd (MCLL) currently trades at 13.14 ILA, while our model-based Fair Value estimate is 13.29 ILA, implying the stock looks roughly 1.1% fairly valued today. The Quality Score stands at 52/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, Michlol Finance Ltd generated revenue of 236M ILA at a net margin of 23.0%. Revenue grew 32.8% year over year. It earns a return on equity of 14.5%. Net debt stands at 1.9B ILA. Fundamentals as of Jul 18, 2026
Our scenario range runs from 9.96 ILA (bear case) to 20.86 ILA (bull case); at 13.14 ILA, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. For context, the median of 10 Financial Services peers we cover trades at -41% fair-value upside, at 1%, MCLL screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 13 models by family
Widest divergence: Earnings-Based (35.77 ILA) versus Dividend Discount (1.30 ILA). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 18, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 48 · Market factors (momentum, volatility) 47
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Michlol Finance Ltd, through its subsidiaries, engages in financing and management of construction projects in Israel and internationally. 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.
Full company description
Michlol Finance Ltd, through its subsidiaries, engages in financing and management of construction projects in Israel and internationally. 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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Michlol Finance Ltd reported revenue of 221M ILA in FY2025 versus 46.2M ILA in FY2021, a compound +47.8%/yr. Reported net income was 50.3M ILA in FY2025, compounding +70.6%/yr from FY2021.
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Peer Group
Credit Services · 331 stocks
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.
Valuation Multiples vs Credit Services median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Insider activity: 40/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jul 18, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $348.97 | $204.19 | -41% |
| Mastercard Incorporated MA | $537.70 | $221.87 | -59% |
| American Express Company AXP | $358.44 | $206.40 | -42% |
| Bajaj Finance Limited BAJFINANCE | ₹1,056 | ₹397.61 | -62% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,024 | ₹553.83 | -46% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,808 | ₹796.52 | -56% |
| Tata Capital Limited TATACAP | ₹360.60 | ₹229.85 | -36% |
| Power Finance Corporation PFC | ₹405.10 | ₹810.20 | +100% |
| Muthoot Finance Limited MUTHOOTFIN | ₹3,129 | ₹3,463 | +11% |
| Indian Railway Finance Corporation IRFC | ₹88.41 | ₹69.72 | -21% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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