Phoenix Financial Ltd (TLV:PHOE)

Phoenix Financial Ratios and Metrics

Market cap in millions ILS. Fiscal year is January - December.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 18, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	36,729	13,336	9,608	9,418	10,159	6,219
Market Cap Growth	214.76%	38.80%	2.02%	-7.30%	63.37%	16.27%
Enterprise Value	23,375	3,868	-1,711	-161	2,103	-148
PE Ratio	14.59	7.34	12.36	7.49	5.17	5.32
PS Ratio	1.37	0.54	0.44	0.88	0.36	0.37
PB Ratio	2.97	1.09	0.88	0.89	1.02	0.77
P/FCF Ratio	23.08	-	5.36	3.71	2.27	1.34
P/OCF Ratio	19.07	-	4.40	3.45	2.23	1.30
EV/Sales Ratio	0.87	0.16	-	-	0.08	-
EV/EBITDA Ratio	46.37	-	-	-	0.69	-
EV/EBIT Ratio	66.21	-	-	-	0.79	-
EV/FCF Ratio	14.69	-	-	-	0.47	-
Debt / Equity Ratio	0.80	0.98	1.02	0.82	0.62	0.65
Debt / EBITDA Ratio	24.73	-	-	1.63	2.03	2.47
Debt / FCF Ratio	6.23	-	6.23	3.39	1.38	1.14
Quick Ratio	14.47	4.43	4.94	5.64	8.82	10.40
Current Ratio	15.22	4.95	5.56	6.20	9.63	11.12
Asset Turnover	0.15	0.15	0.14	0.07	0.21	0.15
Return on Equity (ROE)	22.21%	16.68%	8.26%	13.20%	22.48%	16.31%
Return on Assets (ROA)	0.09%	-0.53%	-0.07%	2.09%	1.27%	1.00%
Return on Capital (ROIC)	0.69%	-3.83%	-0.51%	17.30%	11.37%	9.22%
Earnings Yield	6.83%	13.63%	8.09%	13.35%	19.34%	18.80%
FCF Yield	4.33%	-7.96%	18.66%	26.96%	43.99%	74.52%
Dividend Yield	4.39%	6.68%	4.48%	4.16%	7.55%	8.08%
Payout Ratio	60.53%	29.43%	38.23%	46.22%	29.52%	-
Buyback Yield / Dilution	1.17%	0.59%	0.10%	0.45%	-0.41%	0.07%
Total Shareholder Return	5.56%	7.27%	4.58%	4.61%	7.14%	8.16%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.