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Michlol Finance Ltd (TLV:MCLL)
Israel flag Israel · Delayed Price · Currency is ILS · Price in ILA
1,275.00
0.00 (0.00%)
Aug 27, 2026, 5:24 PM IDT

Michlol Finance Financials Overview

Millions ILS. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
247.9220.51204.74182.5298.540.24
Revenue Growth
23.82%7.70%12.17%85.31%144.75%146.25%
Gross Profit
241.19215.52203.84175.5998.2144.48
Operating Income
201.99178.74169.34138.0269.5222.62
Net Income
61.3950.3150.9341.0326.445.95
Earnings Per Share
1.291.131.170.970.650.20
EPS Growth
15.42%-3.67%21.20%49.69%229.59%-

Revenue by Segment
Chart
Fiscal YearFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingDec '25 Dec '24 Dec '23 Dec '22 Dec '21
Mortgages
3.66----
Real Estate Financing
155.84132.62107.2553.4330.73
Total
220.51204.74182.5298.540.24

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
38.7550.7249.3251.4311.546.31
Total Debt
2,1961,9151,2491,288843.91511.46
Net Cash (Debt)
-2,158-1,864-1,199-1,237-832.37-505.16
Net Cash Growth
------
Net Cash Per Share
-45.37-41.84-27.60-29.16-20.34-16.67

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-120.66-109.77-187.6664.65-146.3-96.89
Capital Expenditures
-0.28-0.37-0.22-0.3-0.34-0.77
Free Cash Flow
-120.94-110.14-187.8864.35-146.64-97.66
Free Cash Flow Growth
------

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Gross Margin
97.29%97.74%99.56%96.20%99.71%110.52%
Operating Margin
81.48%81.06%82.71%75.62%70.58%56.20%
Pretax Margin
32.47%30.07%32.82%29.40%36.17%27.30%
Profit Margin
24.77%22.82%24.88%22.48%26.85%14.77%
FCF Margin
-48.79%-49.95%-91.76%35.26%-148.88%-242.67%

Dividends
Chart
Fiscal YearCurrentFY 2025FY 2024
Period EndingAug '26 Dec '25 Dec '24
Dividend Per Share
0.230-0.230
Dividend Per Share Growth
---
Dividend Yield
1.74%-2.32%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
9.6914.658.535.3410.3865.75
P/FCF Ratio
---3.41--
PS Ratio
2.483.342.121.202.799.71