Menif Financial Services Ltd (MNIF) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Menif Financial Services Ltd ILS 44.16, price ILS 22.01, upside +100.6%, quality 62 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Watch Menif Financial Services Ltd for free, get notified when fair value or trend changes. Plus fair value for all 35,000+ stocks, 14 days of Pro free, no card.Watch for freePro now: $1 first month
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, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range 6.37 ILA – 30.62 ILA · fair‑value band 15.75 ILA – 82.71 ILA · the 22.01 ILA price screens below the 44.16 ILA fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
Follow Menif Financial Services in your weekly email
Every Wednesday you see whether Menif Financial Services is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
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 22.01 ILA, while our model-based Fair Value estimate is 44.16 ILA, implying the stock looks roughly 50.2% undervalued today.
Show more
Valuation
Bull case: the Earnings-Based group reads highest at a median of 106.49 ILA per share, and 9 of the 13 models we run sit above the 22.01 ILA price.
Bear case: the Asset-Based group reads lowest at 7.55 ILA, and 4 of the 13 models stay below the price. Evidence for this calculation is high.
Scenario range: 15.75 ILA (bear) to 82.71 ILA (bull), the price of 22.01 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 62/100 (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 1.4B ILA · P/E ratio 7.0 · P/S ratio 2.44 · EPS (TTM) 3.15 ILA · Dividend yield 7.4% · Net margin 34.9% · Return on equity 30.1% · Return on assets (EBIT) 7.5%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 52 out of 100 (low confidence).
What moves the price
The share trades about 28% below its 52-week high and 30% 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%, MNIF screens cheaper than that median.
Fair Value models
Bear 15.75 ILAFair Value 44.16 ILABull 82.71 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 (1.11 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
+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%
’17
’18
’19
’20
’21
’22
’23
’24
’25
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.
+53.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+46.3%
Dividend (yield on the price)7.4%
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%
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).
+12.9%
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 +10.6% a year for the price.
Compare Menif Financial Services Ltd with another stock
Price, fair value, quality and upside side by side.
Free, no sign-up
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 · 332 stocks
Beats the industry median on 12/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score58 · Above median
Fair Value upside+101% · Top 25%
Profitability
Return on equity (TTM)30% · Top 25%
Return on assets5% · Top 25%
Net margin (TTM)62% · Top 25%
Operating margin (TTM)85% · Top 25%
Growth and dividend
Revenue growth8% · Above median
Dividend yield (TTM)7.4% · Top 25%
Balance sheet
Debt / equity2.69× · Highest 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Is Menif Financial Services Ltd (MNIF) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of 44.16 ILA versus a price of 22.01 ILA, about +101% upside (undervalued).
What is the fair value of MNIF?
Our model-based fair value for Menif Financial Services Ltd is 44.16 ILA (as of Sep 23, 2026), built from audited fundamentals. The current price: 22.01 ILA.
What is the quality score of MNIF?
Menif Financial Services Ltd has a Quality Score of 62/100. 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 44.16 ILA (as of Sep 23, 2026) from 13 valuation models. Cautious scenario 15.75 ILA, optimistic scenario 82.71 ILA. 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 44.16 ILA, about +101% upside versus a price of 22.01 ILA (undervalued). Cautious scenario 15.75 ILA, optimistic scenario 82.71 ILA. 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 312M ILS (latest available figure, as of Sep 23, 2026).
Does Menif Financial Services Ltd pay a dividend?
Menif Financial Services Ltd currently shows a dividend yield of about 7.45% relative to its recent price (as of Sep 23, 2026).
What growth is priced into Menif Financial Services Ltd (MNIF)?
For today's price to be fair in a discounted-cash-flow model, Menif Financial Services Ltd would have to grow free cash flow by +12.9 % per year for five years (discount rate 11.6 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +40.3 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of MNIF use?
Our models discount Menif Financial Services Ltd at 11.6 %: a base by market capitalisation (small), damped by beta 0.39, 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 Menif Financial Services Ltd that is +12.9 % per year a year over ten years, using the same discount rate (11.6 %) and the same formula as our fair value.
How much growth has Menif Financial Services Ltd (MNIF) delivered so far?
Over the past 5 years revenue at Menif Financial Services Ltd grew +40.3 % a year. The price currently implies +12.9 % 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 Menif Financial Services Ltd (MNIF) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into Menif Financial Services Ltd (+12.9 % 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 Menif Financial Services Ltd (MNIF)?
The free-cash-flow yield on the price is 16.85 %: that much free cash flow Menif Financial Services Ltd produces per unit of market value. When it exceeds the discount rate of our models (11.6 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
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 44.16 ILA per share (as of Sep 23, 2026), against a price of 22.01 ILA. It is the blended result of 13 valuation models (cash flow, earnings, asset, dividend).
Is Menif Financial Services Ltd stock overvalued or undervalued in 2026?
As of Sep 23, 2026, MNIF trades below its calculated fair value: price 22.01 ILA, fair value 44.16 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 MNIF?
No. The price is what the market pays today (22.01 ILA); the fair value is what the company's own numbers justify (44.16 ILA). For Menif Financial Services Ltd the two are 22.15 ILA 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 1.4B ILA (market capitalisation, as of Sep 23, 2026). Per share that is 22.01 ILA; our models calculate a fair value of 44.16 ILA per share.
What do the bullish and bearish scenarios say about MNIF?
Our models span a range for Menif Financial Services Ltd: cautious scenario 15.75 ILA, base 44.16 ILA, optimistic 82.71 ILA per share (as of Sep 23, 2026, price 22.01 ILA). 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 7.0 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 44.16 ILA is built from several models across several years. Other multiples: P/B 0.7, P/S 1.4, EV/EBITDA 4.8.
How solid is the balance sheet of Menif Financial Services Ltd (MNIF)?
Balance-sheet figures for Menif Financial Services Ltd (as of Sep 23, 2026): return on equity 30.1%, debt of 2.69 per unit of equity. They feed the Quality Score of 62/100, which measures business quality independently of the share price.
How far is MNIF from its 52-week high?
Menif Financial Services Ltd trades at 22.01 ILA, about 28% below its 52-week high of 30.62 ILA and 30% above the low of 16.94 ILA (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of 44.16 ILA 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 Sep 23, 2026: price 22.01 ILA, calculated fair value 44.16 ILA (+101%), Quality Score 62/100, 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 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 44.16 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 14.1 % above its aggregate fair value. Menif Financial Services 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 Menif Financial Services Ltd (MNIF)?
The closing price on Sep 23, 2026 was 22.01 ILA. Our model-based fair value is 44.16 ILA, about +101% 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 (15.75 ILA to 82.71 ILA). The outcome hinges heavily on assumptions, so read the point estimate with caution. Solid quality (62/100) 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 1.4B 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 Menif Financial Services Ltd (MNIF)?
The price-to-sales ratio of Menif Financial Services Ltd is 2.44 (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 Menif Financial Services Ltd (MNIF)?
Earnings per share at Menif Financial Services Ltd are 3.15 ILA (price ÷ EPS = P/E 7.0). 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 7.4% (payout 52.0%). 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 Menif Financial Services Ltd (MNIF)?
The net margin of Menif Financial Services Ltd is 34.9% (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 Menif Financial Services Ltd (MNIF)?
The return on equity (ROE) of Menif Financial Services Ltd is 30.1% (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 84.7% (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 +7.8% 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 +18.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Menif Financial Services Ltd (MNIF) carry?
The net debt of Menif Financial Services Ltd is 3.0B ILA (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.
Free · no account needed
Watch Menif Financial Services Ltd in the live analysis
One click puts Menif Financial Services Ltd on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
