Menif Financial Services Ltd (MNIF) fair value: what the stock is really worth
As of Nov 5, 2026: fair value (intrinsic value) of Menif Financial Services Ltd stock ILS 39.80, price ILS 19.90, upside +100.0%, quality 61 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 6.37 ILS – 30.62 ILS · fair‑value band 14.25 ILS – 74.63 ILS · the 19.90 ILS price screens below the 39.80 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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Menif - Financial Services Ltd provides mezzanine financing services for equity to promoters and contractors in the construction sector in Israel and internationally. The company was incorporated in 1999 and is based in Ramat Gan, Israel.
Stock analysis
Menif Financial Services Ltd (MNIF) currently trades at 19.90 ILS, while our model-based Fair Value estimate is 39.80 ILS, implying the stock looks roughly 50% undervalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of 125.39 ILS per share, and 9 of the 13 models we run sit above the 19.90 ILS price.
Bear case: the Asset-Based group reads lowest at 7.55 ILS, and 4 of the 13 models stay below the price. Data coverage for this calculation is high.
Scenario range: 14.25 ILS (bear) to 74.63 ILS (bull), the price of 19.90 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 61/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Menif Financial Services Ltd reported revenue of 533M ILS in FY2025 versus 122M ILS in FY2021, a compound +44.6%/yr. Reported net income was 186M ILS in FY2025, compounding +35.5%/yr from FY2021.
Key figures
Market cap 1.2B ILS Small · P/E ratio 6.0 · P/S ratio 3.83 · EPS (TTM) 3.29 ILS · Dividend yield 10.1% · Net margin 63.3% · Return on equity 29.9% · Return on assets (EBIT) 7.5% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 83 out of 100 (low confidence).
What moves the price
The share trades about 35% below its 52-week high and 3% 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 100%, MNIF screens cheaper than that median.
Fair Value models
Bear14.25 ILSFair Value 39.80 ILSBull74.63 ILS
Price 19.90 ILS · Upside +100.0%
Capped: our models arrive at a very high value here. We deliberately show a more cautious Fair Value.
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 (1.10 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.
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
+25.9%
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.
+42.6%
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.
+40.3%
Start year 2020 (pandemic)
Revenue growth 8 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.
+37.9%
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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.
+56.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+46.3%
Dividend (yield on the price)10.1%
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.18% → 88%
Compare Menif Financial Services Ltd with another stock
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 11/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score61 · Above median
Fair Value upside+100.0% · Top 25%
Profitability
Return on equity (12 months)29.9% · Top 25%
Return on assets5.0% · Top 25%
Net margin (12 months)63.3% · Top 25%
Operating margin (12 months)84.5% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)11.4% · Above median
Dividend yield (12 months)10.1% · Top 25%
Balance sheet
Debt / equity2.69× · Highest 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
P/E (12 months)6.0× · Cheapest 25%
P/B1.77× · Pricier than median
P/S (12 months)3.83× · Pricier than median
Price / free cash flow (fiscal year)5.4× · Cheaper than median
EV/EBITDA6.5× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)100· sector 59
FUTURE (revenue growth)57· sector 57
PAST (return on equity)100· sector 39
HEALTH (low debt)–
DIVIDEND (yield)100· sector 63
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 Menif Financial Services Ltd (MNIF) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of 39.80 ILS versus a price of 19.90 ILS, about +100% upside (undervalued).
What is the fair value of MNIF?
Our model-based fair value for Menif Financial Services Ltd is 39.80 ILS (as of Nov 7, 2026), built from audited fundamentals. The current price: 19.90 ILS.
What is the quality score of MNIF?
Menif Financial Services Ltd has a Quality Score of 61/100. 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 Menif Financial Services Ltd (MNIF)?
Our model-based price target is the fair value of 39.80 ILS (as of Nov 7, 2026) from 13 valuation models. Cautious scenario 14.25 ILS, optimistic scenario 74.63 ILS. It is a calculation from audited fundamentals, not an analyst target.
What is the Menif Financial Services Ltd stock forecast for 2026?
Our models put fair value at 39.80 ILS, about +100% upside versus a price of 19.90 ILS (undervalued). Cautious scenario 14.25 ILS, optimistic scenario 74.63 ILS. The calculation is refreshed regularly with new filings.
What is the revenue of Menif Financial Services Ltd (MNIF)?
Menif Financial Services Ltd reported trailing-twelve-month revenue of about 320M ILS (latest available figure, as of Nov 7, 2026).
Does Menif Financial Services Ltd pay a dividend?
Menif Financial Services Ltd currently shows a dividend yield of 10.05% relative to its recent price (as of Nov 7, 2026).
How much is the dividend of Menif Financial Services Ltd (MNIF) and when is the ex-dividend date?
Menif Financial Services Ltd pays a dividend of 2.00 ILS per share a year, a dividend yield of 10.1%. The last ex-dividend date was Aug 24, 2026. A dividend has been paid every year since at least 2021. The payout ratio is 60.8% of earnings. Our assessment: Sustainable. Payout and cash coverage both look sustainable.
What is the intrinsic value of Menif Financial Services Ltd (MNIF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Menif Financial Services Ltd it is 39.80 ILS per share (as of Nov 7, 2026), against a price of 19.90 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 Menif Financial Services Ltd stock overvalued or undervalued in 2026?
As of Nov 7, 2026, MNIF trades below its calculated fair value: price 19.90 ILS, fair value 39.80 ILS, a gap of about +100% (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 MNIF?
No. The price is what the market pays today (19.90 ILS); the fair value is what the company's own numbers justify (39.80 ILS). For Menif Financial Services Ltd the two are 19.90 ILS per share apart. That gap is exactly why we show both numbers side by side.
How much is Menif Financial Services Ltd worth?
The market values Menif Financial Services Ltd at about 1.2B ILS (market capitalisation, as of Nov 7, 2026). Per share that is 19.90 ILS; our models calculate a fair value of 39.80 ILS per share.
What do the bullish and bearish scenarios say about MNIF?
Our models span a range for Menif Financial Services Ltd: cautious scenario 14.25 ILS, base 39.80 ILS, optimistic 74.63 ILS per share (as of Nov 7, 2026, price 19.90 ILS). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of MNIF?
Menif Financial Services Ltd trades at a price-to-earnings ratio of 6.0 (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 39.80 ILS is built from several models across several years. Other multiples: P/B 1.8, P/S 3.8, EV/EBITDA 6.5.
How solid is the balance sheet of Menif Financial Services Ltd (MNIF)?
Balance-sheet figures for Menif Financial Services Ltd (as of Nov 7, 2026): return on equity 29.9%, debt of 2.69 per unit of equity. They feed the Quality Score of 61/100, which measures business quality independently of the share price.
How far is MNIF from its 52-week high?
Menif Financial Services Ltd trades at 19.90 ILS, about 35% below its 52-week high of 30.62 ILS and 3% above the low of 19.32 ILS (as of Nov 5, 2026). Distance from the high says nothing about value: that is what the fair value of 39.80 ILS is for.
Which stocks are comparable to Menif Financial Services 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 Menif Financial Services Ltd stock attractive at the current price?
The data as of Nov 7, 2026: price 19.90 ILS, calculated fair value 39.80 ILS (+100%), Quality Score 61/100, 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 MNIF calculated?
We run Menif Financial Services 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 39.80 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 13.0% above its aggregate fair value. Menif Financial Services Ltd currently trades 50% 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 Menif Financial Services Ltd (MNIF)?
The closing price on Nov 5, 2026 was 19.90 ILS. Our model-based fair value is 39.80 ILS, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Menif Financial Services Ltd right now?
The model range is unusually wide (14.25 ILS to 74.63 ILS). The outcome hinges heavily on assumptions, so read the point estimate with caution. Solid quality (61/100) 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 Menif Financial Services Ltd
How large is the market capitalisation of Menif Financial Services Ltd (MNIF)?
The market capitalisation of Menif Financial Services Ltd is 1.2B 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 Menif Financial Services Ltd (MNIF)?
The price-to-sales ratio of Menif Financial Services Ltd is 3.83 (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 Menif Financial Services Ltd (MNIF)?
Earnings per share at Menif Financial Services Ltd are 3.29 ILS (price ÷ EPS = P/E 6.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Menif Financial Services Ltd (MNIF)?
The dividend yield of Menif Financial Services Ltd is 10.1% (payout 60.8%). 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 Menif Financial Services Ltd (MNIF)?
The net margin of Menif Financial Services Ltd is 63.3% (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 Menif Financial Services Ltd (MNIF)?
The return on equity (ROE) of Menif Financial Services Ltd is 29.9% (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 Menif Financial Services Ltd (MNIF)?
On an EBIT basis the return on assets of Menif Financial Services Ltd is 7.5% (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 Menif Financial Services Ltd (MNIF)?
The operating margin of Menif Financial Services Ltd is 84.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Menif Financial Services Ltd (MNIF)?
Revenue at Menif Financial Services Ltd is growing +11.4% versus a year earlier (3y avg +42.6%). 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 Menif Financial Services Ltd (MNIF)?
Earnings per share at Menif Financial Services Ltd are growing +18.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Menif Financial Services Ltd (MNIF) generate?
The free cash flow of Menif Financial Services Ltd is 229M 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 Menif Financial Services Ltd (MNIF) carry?
The net debt of Menif Financial Services Ltd is 3.0B ILS (fiscal year 2025, ≈ 12.9 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