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Data-driven stock valuation

The Phoenix Holdings Ltd. (PHOE) fair value: what the stock is really worth

As of Nov 5, 2026: fair value (intrinsic value) of The Phoenix Holdings Ltd. stock ILS 102, price ILS 156, that is 34.6% below the price, quality 56 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services Il · ISIN IL0007670123

TP The Phoenix Holdings Ltd. logo Broad data Nov 1, 2026

The Phoenix Holdings Ltd.

PHOE · TA
Solid, but expensive

Our calculation puts a fair price 35% below what the stock costs today.

Solidly profitable · 16.1% net margin (TTM)
Low debt
Generates free cash flow
Positive coverage
Broad data
Revenue last quarter +23% vs. a year ago.
Quality 56/100
Mixed Growth (revenue 5y +12.1 %/yr in ILS)
Mixed vs. peers (6/14)
Wide moat 73/100 · thin data
Fair value 101.81 ILS · Overvalued (−34.6%)

Risks from the AI analysis

🚩Regulatory caps and solvency rules🚩Class action lawsuits on policy terms
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

197.50 ILS 22.93 ILS Fair Value 101.81 ILS Jun 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 1, 2026.

How to read this chart

60‑month range 22.93 ILS – 197.50 ILS · fair‑value band 75.16 ILS – 134.75 ILS · the 155.70 ILS price screens above the 101.81 ILS fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 1, 2026.

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Company profile

Phoenix Financial Ltd. operates as a financial services company in Israel. Its Life and Savings segment provides life insurance policies, permanent health insurance policies, and savings policies for salaried employees planholders, individual and self-employed policyholders, and groups.

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The company's Property and Casualty segment offers compulsory motor insurance, motor property insurance, and other property and casualty insurance.

Its Health Insurance segment offers health insurance policies that are designed to indemnify or compensate policyholders for medical expenses incurred as a result of decline in health, illness, or accident; and long-term care insurance, critical illness insurance, dental insurance, travel insurance, and personal accidents insurance.

The company's Retirement segment manages various types of pension funds and provident funds; and the central provident fund for annuity for employees of the Israel Electric Corporation Ltd. Its Wealth & Investments segment is involved in the marketing and management of investments for customers; underwriting and investment banking activities; management of mutual funds; and provision of stock exchange and trading, investment policies, and wealth management services.

The company's Payments & Financing segment engages in the credit cards - acquiring-aggregator activities; and provision of business credit, supplier financing, business guarantees, payment card vouchers factoring, financing against post-dated checks, financing against liens on real estate properties, construction financing, and consumer credit services.

Its Brokers & Advisors segment offers brokerage and marketing services for pension, insurance, and financial products of various insurance companies, investment houses, and institutional entities.

The company was formerly known as Phoenix Holdings Ltd. and changed its name to Phoenix Financial Ltd. in August 2024. Phoenix Financial Ltd. was incorporated in 1949 and is based in Rishon LeZion, Israel.

Stock analysis

The Phoenix Holdings Ltd. (PHOE) currently trades at 155.70 ILS, while our model-based Fair Value estimate is 101.81 ILS, 35% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Economic Profit group reads highest at a median of 100.37 ILS per share, and 1 of the 6 models we run sit above the 155.70 ILS price.

Bear case: the Asset-Based group reads lowest at 23.80 ILS, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: 75.16 ILS (bear) to 134.75 ILS (bull), the price of 155.70 ILS sits above 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 56/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

The Phoenix Holdings Ltd. reported revenue of 30.3B ILS in FY2025 versus 28.6B ILS in FY2021, a compound +1.4%/yr. Reported net income was 3.2B ILS in FY2025, compounding +13.2%/yr from FY2021.

Key figures

Market cap 40.1B ILS Large · P/E ratio 11.9 · P/S ratio 1.94 · EPS (TTM) 13.04 ILS · Dividend yield 3.6% · Net margin 16.1% · Return on equity 26.3% · Return on assets (EBIT) 1.6%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 73 out of 100 (low confidence).

What moves the price

The share trades about 21% below its 52-week high and 22% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −33% fair-value upside, at −35%, PHOE screens richer than that median.

Fair Value models

Bear 75.16 ILS Fair Value 101.81 ILS Bull 134.75 ILS
Price 155.70 ILS · Downside -34.6%
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 (6.38 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 Income 75.16 ILS 100.37 ILS 180.31 ILS 73
Gordon GGM 51.84 ILS 101.81 ILS 151.88 ILS 67
DDM Multi-Stage 51.84 ILS 88.71 ILS 107.67 ILS 67
All 6 models by family
Dividend Discount
Gordon GGM 51.84 ILS 101.81 ILS 151.88 ILS 67
DDM Multi-Stage 51.84 ILS 88.71 ILS 107.67 ILS 67
Multiples
P/E Multiple 124.41 ILS 165.88 ILS 207.35 ILS 63
P/B Multiple 37.29 ILS 49.72 ILS 62.15 ILS 55
Asset-Based
NCAV (Graham) 17.76 ILS 23.80 ILS 35.52 ILS 54
Economic Profit
Residual Income 75.16 ILS 100.37 ILS 180.31 ILS 73

Open the full fair value analysis →

Quality Score breakdown

Overall quality 56/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 39
How much profit the company makes from its sales and capital
Quality Growth 62
Are margins and returns getting better?
Cashflow 66
Do the profits arrive as real cash?
Financial strength 3
Debt, balance sheet and risk of trouble
Investment 71
Does it invest with discipline instead of growing at any price?
Low Volatility 76
How calm the share price moves, does not count
Price momentum 49
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 60
Distance to the 52-week high, does not count
New shares 81
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

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. 88/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+0.5%
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.
+12.1%
Start year 2020 (pandemic). Over 10 years: +9.8% a year
Revenue growth 20 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.
+23.0%
What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘ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. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+17.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+13.5%
Dividend (yield on the price)3.6%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.22.7% vs 19.9%, steady
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.1% → 17%
2025 sits 158% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Pace: the 5-year rate starts in 2020 (pandemic)

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).
−0.4%
The company could shrink this much every year for the next five years and today's price would still be justified.
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 −2.4% a year for the price.

PHOE screens overvalued: fair value 35% below the price. Compare with Allianz SE →

Earlier news

News mood ⓘNews mood, the average tone of recent news (67 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Positive
Recent news coverage is more positive than average.

Compare The Phoenix Holdings 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.Insurance - Diversified · 73 stocks

Beats the industry median on 6/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 56 · Below median
Fair Value upside −34.6% · Below median
Profitability
Return on equity (12 months) 26.3% · Top 25%
Return on assets 1.6% · Below median
Net margin (12 months) 16.1% · Top 25%
Operating margin (12 months) 63.9% · Top 25%
Growth and dividend
Revenue growth (quarter YoY) 23.4% · Top 25%
Dividend yield (12 months) 3.6% · Below median
Balance sheet
Debt / equity 0.45× · Above median

Valuation Multiplesvs Insurance - Diversified median · lower = cheaper

P/E (12 months) 11.9× · Cheaper than median
P/B 3.21× · Priciest 25%
P/S (12 months) 1.94× · Priciest 25%
Price / free cash flow 10.2× · Pricier than median
EV/EBITDA 3.8× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 8
FUTURE (revenue growth)100 · sector 38
PAST (return on equity)100 · sector 54
HEALTH (low debt)78 · sector 89
DIVIDEND (yield)71 · sector 72

VALUE 0: the price sits above our fair-value range.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Insurance - Diversified stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Arch Capital Group ACGL $110.68 $133.22 +20% vs PHOE
American International Group AIG $81.71 $72.63 −11% vs PHOE
The Hartford Insurance Group HIG $138.11 $115.03 −17% vs PHOE
AXA SA CS €45.71 €35.31 −23% vs PHOE
Talanx AG TLX €134.70 €89.76 −33% vs PHOE
Zurich Insurance Group ZURN CHF 643.80 CHF 321.42 −50% vs PHOE
Sun Life Financial Inc SLF $81.98 $40.74 −50% vs PHOE
Allianz SE ALV €465.10 €229.28 −51% vs PHOE
Swiss Life Holding SLHN CHF 988.20 CHF 413.28 −58% vs PHOE
Assicurazioni Generali S.p.A G €44.56 €15.32 −66% vs PHOE

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The Phoenix Holdings Ltd.: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "The Phoenix Holdings Ltd. Fair Value". https://www.fairvalue-calculator.com/stock/PHOE

Frequently asked questions

Is The Phoenix Holdings Ltd. (PHOE) overvalued or undervalued?
As of Nov 1, 2026, our model estimates a fair value of 101.81 ILS versus a price of 155.70 ILS, about 35% lower (overvalued).
What is the fair value of PHOE?
Our model-based fair value for The Phoenix Holdings Ltd. is 101.81 ILS (as of Nov 1, 2026), built from audited fundamentals. The current price: 155.70 ILS.
What is the quality score of PHOE?
The Phoenix Holdings Ltd. has a Quality Score of 56/100. 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 The Phoenix Holdings Ltd. (PHOE)?
Our model-based price target is the fair value of 101.81 ILS (as of Nov 1, 2026) from 6 valuation models. Cautious scenario 75.16 ILS, optimistic scenario 134.75 ILS. It is a calculation from audited fundamentals, not an analyst target.
What is the The Phoenix Holdings Ltd. stock forecast for 2026?
Our models put fair value at 101.81 ILS, about 35% lower versus a price of 155.70 ILS (overvalued). Cautious scenario 75.16 ILS, optimistic scenario 134.75 ILS. The calculation is refreshed regularly with new filings.
What is the revenue of The Phoenix Holdings Ltd. (PHOE)?
The Phoenix Holdings Ltd. reported trailing-twelve-month revenue of about 20.7B ILS (latest available figure, as of Nov 1, 2026).
Does The Phoenix Holdings Ltd. pay a dividend?
The Phoenix Holdings Ltd. currently shows a dividend yield of 3.55% relative to its recent price (as of Nov 1, 2026).
What growth is priced into The Phoenix Holdings Ltd. (PHOE)?
For today's price to be fair in a discounted-cash-flow model, The Phoenix Holdings Ltd. would have to grow free cash flow by -0.4 % per year for five years (discount rate 9.7 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +12.1 % per year. As of Nov 1, 2026.
What discount rate (WACC) does the fair value of PHOE use?
Our models discount The Phoenix Holdings Ltd. at 9.7 %: a base by market capitalisation (large), damped by beta 0.47, 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 The Phoenix Holdings Ltd. that is -0.4 % per year a year over ten years, using the same discount rate (9.7 %) and the same formula as our fair value.
How much growth has The Phoenix Holdings Ltd. (PHOE) delivered so far?
Over the past 5 years revenue at The Phoenix Holdings Ltd. grew +12.1 % a year. The price currently implies -0.4 % 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 The Phoenix Holdings Ltd. (PHOE) growing?
The median revenue growth in the sector is +9.4 % a year. That is the yardstick for the growth priced into The Phoenix Holdings Ltd. (-0.4 % 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 The Phoenix Holdings Ltd. (PHOE)?
The free-cash-flow yield on the price is 9.91 %: that much free cash flow The Phoenix Holdings Ltd. produces per unit of market value. When it exceeds the discount rate of our models (9.7 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of The Phoenix Holdings Ltd. (PHOE)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For The Phoenix Holdings Ltd. it is 101.81 ILS per share (as of Nov 1, 2026), against a price of 155.70 ILS. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is The Phoenix Holdings Ltd. stock overvalued or undervalued in 2026?
As of Nov 1, 2026, PHOE trades above its calculated fair value: price 155.70 ILS, fair value 101.81 ILS, a gap of about −35% (overvalued). 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 PHOE?
No. The price is what the market pays today (155.70 ILS); the fair value is what the company's own numbers justify (101.81 ILS). For The Phoenix Holdings Ltd. the two are 53.89 ILS per share apart. That gap is exactly why we show both numbers side by side.
How much is The Phoenix Holdings Ltd. worth?
The market values The Phoenix Holdings Ltd. at about 40.1B ILS (market capitalisation, as of Nov 1, 2026). Per share that is 155.70 ILS; our models calculate a fair value of 101.81 ILS per share.
What do the bullish and bearish scenarios say about PHOE?
Our models span a range for The Phoenix Holdings Ltd.: cautious scenario 75.16 ILS, base 101.81 ILS, optimistic 134.75 ILS per share (as of Nov 1, 2026, price 155.70 ILS). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of PHOE?
The Phoenix Holdings Ltd. trades at a price-to-earnings ratio of 11.9 (as of Nov 1, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 101.81 ILS is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 7.4. Other multiples: P/B 3.2, P/S 1.9, EV/EBITDA 3.8.
How solid is the balance sheet of The Phoenix Holdings Ltd. (PHOE)?
Balance-sheet figures for The Phoenix Holdings Ltd. (as of Nov 1, 2026): return on equity 26.3%, debt of 0.45 per unit of equity. They feed the Quality Score of 56/100, which measures business quality independently of the share price.
How far is PHOE from its 52-week high?
The Phoenix Holdings Ltd. trades at 155.70 ILS, about 21% below its 52-week high of 197.50 ILS and 22% above the low of 127.46 ILS (as of Nov 5, 2026). Distance from the high says nothing about value: that is what the fair value of 101.81 ILS is for.
Which stocks are comparable to The Phoenix Holdings Ltd.?
From the same area (Financial Services) we also value Allianz SE, Zurich Insurance Group, AXA SA, Assicurazioni Generali S.p.A, 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 The Phoenix Holdings Ltd. stock attractive at the current price?
The data as of Nov 1, 2026: price 155.70 ILS, calculated fair value 101.81 ILS (−35%), Quality Score 56/100, from 6 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 PHOE calculated?
We run The Phoenix Holdings Ltd. through 6 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 101.81 ILS, 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 15.6% above its aggregate fair value. The Phoenix Holdings Ltd. itself currently trades above fair value. 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 The Phoenix Holdings Ltd. (PHOE)?
The closing price on Nov 5, 2026 was 155.70 ILS. Our model-based fair value is 101.81 ILS, about 35% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with The Phoenix Holdings Ltd. right now?
The price sits above even our optimistic bull case (134.75 ILS). The favourable scenario is already priced in. Solid but not exceptional quality (56/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of The Phoenix Holdings Ltd. (PHOE) come from?
Earnings per share at The Phoenix Holdings Ltd. grew +16.9 % a year from 2014 to 2025. Broken into its drivers: revenue per share +9.4 %, EBIT margin +7.8 %, tax rate −0.7 %, residual (interest, one-offs) −0.1 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of The Phoenix Holdings Ltd.

How large is the market capitalisation of The Phoenix Holdings Ltd. (PHOE)?
The market capitalisation of The Phoenix Holdings Ltd. is 40.1B 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 The Phoenix Holdings Ltd. (PHOE)?
The price-to-sales ratio of The Phoenix Holdings Ltd. is 1.94 (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 The Phoenix Holdings Ltd. (PHOE)?
Earnings per share at The Phoenix Holdings Ltd. are 13.04 ILS (price ÷ EPS = P/E 11.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of The Phoenix Holdings Ltd. (PHOE)?
The dividend yield of The Phoenix Holdings Ltd. is 3.6% (payout 42.4%). 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 The Phoenix Holdings Ltd. (PHOE)?
The net margin of The Phoenix Holdings Ltd. is 16.1% (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 The Phoenix Holdings Ltd. (PHOE)?
The return on equity (ROE) of The Phoenix Holdings Ltd. is 26.3% (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 The Phoenix Holdings Ltd. (PHOE)?
On an EBIT basis the return on assets of The Phoenix Holdings Ltd. is 1.6% (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 The Phoenix Holdings Ltd. (PHOE)?
The operating margin of The Phoenix Holdings Ltd. is 63.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at The Phoenix Holdings Ltd. (PHOE)?
Revenue at The Phoenix Holdings Ltd. is growing +23.4% versus a year earlier (3y avg +52.8%). 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 The Phoenix Holdings Ltd. (PHOE)?
Earnings per share at The Phoenix Holdings Ltd. are growing −6.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does The Phoenix Holdings Ltd. (PHOE) carry?
The net debt of The Phoenix Holdings Ltd. is 13.4B ILS (fiscal year 2025, ≈ 3.4 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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