Michlol Finance Ltd (MCLL) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Michlol Finance Ltd ILS 24.56, price ILS 12.22, upside +101.0%, quality 52 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range 4.26 ILA – 16.95 ILA · fair‑value band 5.12 ILA – 34.96 ILA · the 12.22 ILA price screens below the 24.56 ILA fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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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.
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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.
Stock analysis
Michlol Finance Ltd (MCLL) currently trades at 12.22 ILA, while our model-based Fair Value estimate is 24.56 ILA, implying the stock looks roughly 50.2% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of 49.33 ILA per share, and 8 of the 13 models we run sit above the 12.22 ILA price.
Bear case: the Asset-Based group reads lowest at 5.53 ILA, and 5 of the 13 models stay below the price. Evidence for this calculation is high.
Scenario range: 5.12 ILA (bear) to 34.96 ILA (bull), the price of 12.22 ILA 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.
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 647M ILA · P/E ratio 10.4 · P/S ratio 2.36 · EPS (TTM) 1.18 ILA · Dividend yield 0.8% · Net margin 22.8% · Return on equity 14.5% · Return on assets (EBIT) 5.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 26% below its 52-week high and 6% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −32% fair-value upside, at 101%, MCLL screens cheaper than that median.
Fair Value models
Bear 5.12 ILAFair Value 24.56 ILABull 34.96 ILA
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (0.8664 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.Evidence ⓘEvidence = 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.
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%
’18
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’22
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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.
+42.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+41.9%
Dividend (yield on the price)0.8%
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%
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−5.0%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (Israel: IMF forecast 2.1% a year to 2030, 1.7% from 2016 to 2025) that is about −6.9% a year for the price.
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 · 331 stocks
Beats the industry median on 10/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score49 · Below median
Fair Value upside+101% · Top 25%
Profitability
Return on equity (TTM)15% · Above median
Return on assets5% · Top 25%
Net margin (TTM)23% · Above median
Operating margin (TTM)82% · Top 25%
Growth and dividend
Revenue growth33% · Top 25%
Dividend yield (TTM)0.8% · Bottom 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
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Is Michlol Finance Ltd (MCLL) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 24.56 ILA versus a price of 12.22 ILA, about +101% upside (undervalued).
What is the fair value of MCLL?
Our model-based fair value for Michlol Finance Ltd is 24.56 ILA (as of Sep 24, 2026), built from audited fundamentals. The current price: 12.22 ILA.
What is the quality score of MCLL?
Michlol Finance Ltd has a Quality Score of 52/100. 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 24.56 ILA (as of Sep 24, 2026) from 13 valuation models. Cautious scenario 5.12 ILA, optimistic scenario 34.96 ILA. 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 24.56 ILA, about +101% upside versus a price of 12.22 ILA (undervalued). Cautious scenario 5.12 ILA, optimistic scenario 34.96 ILA. 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 236M ILS (latest available figure, as of Sep 24, 2026).
Does Michlol Finance Ltd pay a dividend?
Michlol Finance Ltd currently shows a dividend yield of about 0.77% relative to its recent price (as of Sep 24, 2026).
What growth is priced into Michlol Finance Ltd (MCLL)?
For today's price to be fair in a discounted-cash-flow model, Michlol Finance Ltd would have to grow free cash flow by -5.0 % per year for five years (discount rate 13.1 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +88.6 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of MCLL use?
Our models discount Michlol Finance Ltd at 13.1 %: a base by market capitalisation (micro), damped by beta 0.32, country premium for Israel. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Michlol Finance Ltd that is -5.0 % per year a year over ten years, using the same discount rate (13.1 %) and the same formula as our fair value.
How much growth has Michlol Finance Ltd (MCLL) delivered so far?
Over the past 5 years revenue at Michlol Finance Ltd grew +88.6 % a year. The price currently implies -5.0 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Michlol Finance Ltd (MCLL) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into Michlol Finance Ltd (-5.0 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Michlol Finance Ltd (MCLL)?
The free-cash-flow yield on the price is 14.04 %: that much free cash flow Michlol Finance Ltd produces per unit of market value. When it exceeds the discount rate of our models (13.1 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
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 24.56 ILA per share (as of Sep 24, 2026), against a price of 12.22 ILA. It is the blended result of 13 valuation models (cash flow, earnings, asset, dividend).
Is Michlol Finance Ltd stock overvalued or undervalued in 2026?
As of Sep 24, 2026, MCLL trades below its calculated fair value: price 12.22 ILA, fair value 24.56 ILA, a gap of about +101% (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 (12.22 ILA); the fair value is what the company's own numbers justify (24.56 ILA). For Michlol Finance Ltd the two are 12.34 ILA 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 647M ILA (market capitalisation, as of Sep 24, 2026). Per share that is 12.22 ILA; our models calculate a fair value of 24.56 ILA per share.
What do the bullish and bearish scenarios say about MCLL?
Our models span a range for Michlol Finance Ltd: cautious scenario 5.12 ILA, base 24.56 ILA, optimistic 34.96 ILA per share (as of Sep 24, 2026, price 12.22 ILA). 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 10.4 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 24.56 ILA is built from several models across several years. Other multiples: P/B 0.5, P/S 0.9, EV/EBITDA 0.8.
How solid is the balance sheet of Michlol Finance Ltd (MCLL)?
Balance-sheet figures for Michlol Finance Ltd (as of Sep 24, 2026): return on equity 14.5%. They feed the Quality Score of 52/100, which measures business quality independently of the share price.
How far is MCLL from its 52-week high?
Michlol Finance Ltd trades at 12.22 ILA, about 26% below its 52-week high of 16.55 ILA and 6% above the low of 11.49 ILA (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 24.56 ILA 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 Sep 24, 2026: price 12.22 ILA, calculated fair value 24.56 ILA (+101%), Quality Score 52/100, 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 four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 24.56 ILA, 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 13.0 % above its aggregate fair value. Michlol Finance Ltd currently trades 101 % 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 Sep 24, 2026 was 12.22 ILA. Our model-based fair value is 24.56 ILA, about +101% 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 model range is unusually wide (5.12 ILA to 34.96 ILA). The outcome hinges heavily on assumptions, so read the point estimate with caution. Solid quality (52/100) at a price below fair value, the discount is the argument here, not the business quality. 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 647M ILA. 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 2.36 (P/E × margin). 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 1.18 ILA (price ÷ EPS = P/E 10.4). 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 0.8% (payout 8.0%). 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 22.8% (fiscal year 2025). 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 14.5% (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 81.6% (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 +32.8% 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 +17.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Michlol Finance Ltd (MCLL) carry?
The net debt of Michlol Finance Ltd is 1.9B ILA (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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