Menora Mivtachim Holdings Ltd (MNRHF)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Menora Mivtachim Holdings Ltd (MNRHF) trades at $25.05 with AI Score 52/100 (Grade B). Menora Mivtachim Holdings Ltd is an Israeli insurance and finance company. It offers a range of insurance products, pension funds, and investment services. Market cap: $1.55B, Sector: Financial services.
Price live · AI analysis from Mar 18, 2026Analyst Coverage for MNRHF: MNRHF does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates MNRHF against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
MNRHF: 3/6 perspectives are bullish. Dominant signal: Ray Dalio bullish.
How is this calculated? →Menora Mivtachim Holdings Ltd (MNRHF) Financial Services Profile
Menora Mivtachim Holdings Ltd, established in 1935 and based in Israel, is a diversified financial services provider specializing in life and health insurance, general insurance, pension funds, and investment management, operating with a market capitalization of $1.55B and a profit margin of 17.7%.
What Is the Investment Thesis for MNRHF?
Menora Mivtachim Holdings Ltd presents a compelling investment case based on its diversified financial services offerings and established market position in Israel. The company's consistent profitability, reflected in its 17.7% profit margin, and its presence in both insurance and investment sectors provide a stable foundation. A key value driver is the continued growth in Israel's insurance market, particularly in life and health insurance, where Menora Mivtachim holds a significant share. Ongoing: The company's expansion into mutual funds and portfolio management offers additional revenue streams and diversification benefits. Potential: Risks include regulatory changes in the Israeli financial sector and increased competition from both local and international players. With a beta of 0.68, the stock demonstrates lower volatility compared to the broader market.
Based on FMP financials and quantitative analysis
MNRHF Key Highlights
- Market capitalization of $1.55B, reflecting substantial investor confidence.
- Profit margin of 17.7%, indicating strong operational efficiency and profitability.
- Gross margin of 100.0%, suggesting efficient cost management in its insurance operations.
- Dividend yield of 2.00%, providing a steady income stream for investors.
- P/E ratio of 11.6, potentially indicating an attractive valuation relative to earnings.
Who Are MNRHF's Competitors?
MNRHF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| ACGBY Agricultural Bank of China Limited | $16.81 | -0.23% | $235.36B | 44 |
| AIFLY Aiful Corporation | $1.40 | +0.00% | $670.60M | 58 |
| AJMPF Ashmore Group PLC | $2.99 | +15.25% | $1.94B | 46 |
| CEVIY China Everbright Limited | $7.35 | +36.11% | $1.24B | 51 |
| CYMBF Cymbria Corporation | $65.41 | +0.37% | $1.42B | 52 |
| AEGOF Aegon N.V. | $8.39 | +0.00% | $12.62B | 66 |
| TLLXY Talanx AG | $60.33 | +0.00% | $31.16B | 64 |
| XZO Exzeo Group, Inc. | $18.71 | +0.11% | $1.70B | 64 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are MNRHF's Key Strengths?
- Diversified financial services offerings.
- Established market position in Israel.
- Strong brand reputation.
- Consistent profitability.
What Are MNRHF's Weaknesses?
- Limited geographic diversification.
- Exposure to regulatory changes in Israel.
- Dependence on the Israeli economy.
- Potential impact from interest rate fluctuations.
What Could Drive MNRHF Stock Higher?
- Expansion of digital insurance offerings in Q3 2026.
- Increasing demand for pension and retirement planning services.
- Strategic acquisitions and partnerships in late 2026.
- Development of tailored insurance products for specific niches in 2027.
- Expansion into real estate investment in early 2027.
What Are the Key Risks for MNRHF?
- Financial-distress signal — its Altman Z-Score of 0.69 sits in the distress zone (elevated bankruptcy risk).
- Increased competition from local and international players.
- Disruptive impact of fintech companies.
- Economic downturn in Israel.
- Changes in consumer preferences and behavior.
- Regulatory changes in the Israeli financial sector.
What Are the Growth Opportunities for MNRHF?
- Expansion of Digital Insurance Offerings: Menora Mivtachim can capitalize on the growing trend of digital insurance by expanding its online platforms and mobile applications. This includes offering personalized insurance products and streamlined claims processes. The global digital insurance market is projected to reach $146.74 billion by 2027, growing at a CAGR of 13.7%. By enhancing its digital capabilities, Menora Mivtachim can attract a younger demographic and improve customer satisfaction, with implementation starting in Q3 2026.
- Increased Penetration in the Pension Funds Market: With Israel's aging population, there is a growing demand for pension and retirement planning services. Menora Mivtachim can increase its market share in the pension funds sector by offering innovative investment options and personalized financial advice. The Israeli pension funds market is estimated to be worth over $400 billion. This expansion can be achieved through targeted marketing campaigns and strategic partnerships with employers, with a goal of increasing assets under management by 10% by 2028.
- Strategic Acquisitions and Partnerships: Menora Mivtachim can pursue strategic acquisitions and partnerships to expand its product offerings and geographic reach. This includes partnering with fintech companies to integrate innovative technologies into its existing services. The global M&A market in the financial services sector is expected to remain active, with deal values exceeding $500 billion annually. By identifying and acquiring complementary businesses, Menora Mivtachim can enhance its competitive position, with potential acquisitions targeted for late 2026.
- Development of Tailored Insurance Products for Specific Niches: Menora Mivtachim can develop specialized insurance products tailored to specific niche markets, such as cyber insurance for businesses or travel insurance for specific demographics. The market for niche insurance products is growing rapidly, driven by increasing awareness of specific risks and the need for customized coverage. This can be achieved through market research and product development initiatives, with new product launches planned for 2027.
- Expansion into Real Estate Investment: Menora Mivtachim can further expand its real estate investment activities, capitalizing on the growing demand for real estate in Israel. This includes investing in commercial and residential properties, as well as developing new real estate projects. The Israeli real estate market is experiencing steady growth, driven by population growth and urbanization. By increasing its real estate portfolio, Menora Mivtachim can generate additional revenue streams and diversify its investment portfolio, with initial investments targeted for early 2027.
What Opportunities Does MNRHF Have?
- Expansion of digital insurance offerings.
- Increased penetration in the pension funds market.
- Strategic acquisitions and partnerships.
- Development of tailored insurance products for specific niches.
What Threats Does MNRHF Face?
- Increased competition from local and international players.
- Disruptive impact of fintech companies.
- Economic downturn in Israel.
- Changes in consumer preferences and behavior.
What Are MNRHF's Competitive Advantages?
- Established brand reputation in the Israeli financial market.
- Diversified product offerings across insurance and investment sectors.
- Extensive distribution network and customer base.
- Strong regulatory compliance and risk management practices.
What Does MNRHF Do?
Menora Mivtachim Holdings Ltd, originally founded as General Liability Office Ltd. in 1935, has evolved into a prominent player in Israel's insurance and finance sectors. Renamed in 2006, the company offers a comprehensive suite of financial products and services, including life and health insurance, general insurance, and automobile insurance. Its automobile insurance offerings encompass both compulsory automobile and property car insurance products. Beyond insurance, Menora Mivtachim is also involved in managing pension and provident funds, catering to the long-term financial security needs of its clients. The company extends its financial services to mutual funds and portfolio management, securities underwriting, and real estate investments, demonstrating a diversified approach to financial services. Headquartered in Ramat Gan, Israel, Menora Mivtachim has established a significant presence in the Israeli financial landscape, serving individuals and institutions with a broad array of insurance and investment solutions. With over 3,611 employees, the company continues to build on its legacy as a key financial institution in Israel.
What Products and Services Does MNRHF Offer?
- Offers life and health insurance products.
- Provides general insurance products.
- Offers automobile insurance, including compulsory and property car insurance.
- Manages pension and provident funds.
- Engages in mutual funds and portfolio management.
- Participates in securities underwriting.
- Invests in real estate.
How Does MNRHF Make Money?
- Generates revenue through premiums from insurance policies.
- Earns fees from managing pension and provident funds.
- Derives income from mutual funds and portfolio management services.
- Profits from securities underwriting activities.
What Industry Does MNRHF Operate In?
Menora Mivtachim Holdings Ltd operates within Israel's financial services industry, which is characterized by increasing demand for insurance products and investment solutions. The market is influenced by factors such as regulatory changes, technological advancements, and demographic shifts. Competition comes from both local and international insurance companies, as well as fintech firms disrupting traditional financial services. Menora Mivtachim's diversified offerings and established brand provide a competitive edge in this dynamic landscape. The Israeli insurance market is expected to grow steadily, driven by rising disposable incomes and increasing awareness of financial security.
Who Are MNRHF's Key Customers?
- Individuals seeking life and health insurance.
- Businesses requiring general and automobile insurance.
- Individuals and employers contributing to pension and provident funds.
- Investors seeking mutual fund and portfolio management services.
ROE 29%Key Financial Metrics
Return on equity for Menora Mivtachim Holdings Ltd stands at 29.3%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 3.0%, showing how much profit it generates from its asset base. MNRHF trades at a trailing price-to-earnings ratio of 11.55, below the Financial Services sector average of ~18x. Its free cash flow yield is 4.3%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 8.5%, the inverse of the P/E and a quick read on earnings relative to price.
Menora Mivtachim Holdings Ltd (MNRHF) Valuation Context
Valued at $1.55B, MNRHF is classified as a small-cap stock. Relative to its peer group, MNRHF's quantitative score of 52/100 is roughly in line with the peer average of 50/100.
Company Profile
Menora Mivtachim Holdings Ltd operates in the Insurance - Diversified industry within the Financial Services sector. It is headquartered in Ramat Gan, IL. The company is led by CEO Ari Kalman. MNRHF has traded publicly since 2021.
F-Score 5/9Financial Health
Menora Mivtachim Holdings Ltd's Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.69 places it in the distress zone, a signal of elevated financial risk.
MNRHF Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests those in the know see long-term value, boosting confidence.
- Positive community sentiment indicates growing belief in the company's strategic direction.
- The company's perceived stability in a volatile market makes it an attractive safe haven for some investors.
- Expansion into new markets is creating excitement about future growth potential among retail investors.
Bear Case
- Increased regulatory scrutiny is causing uncertainty about future operational costs and compliance.
- Negative community discussions highlight concerns about the company's competitive positioning.
- Market perception of the company's innovation lagging behind peers fuels skepticism about its long-term viability.
- Recent reports of internal restructuring raise questions about the company's operational efficiency and stability.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
MNRHF Latest News
No recent news available for MNRHF.
MNRHF Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for MNRHF.
Price Targets
Wall Street price target analysis for MNRHF.
MNRHF MoonshotScore
What does this score mean?
The MoonshotScore rates MNRHF's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Ari Kalman
CEO
Ari Kalman is the CEO of Menora Mivtachim Holdings Ltd. His background includes extensive experience in the financial services industry, with a focus on insurance and investment management. He has held various leadership positions in the company, contributing to its strategic growth and operational efficiency. Kalman's expertise spans across insurance products, pension funds, and investment strategies. He oversees a workforce of 3,611 employees.
Track Record: Under Ari Kalman's leadership, Menora Mivtachim Holdings Ltd has maintained a strong market position in Israel's financial services sector. Key achievements include expanding the company's digital insurance offerings and increasing its market share in the pension funds market. He has also overseen strategic acquisitions and partnerships to enhance the company's competitive position.
MNRHF OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Menora Mivtachim Holdings Ltd may not meet the minimum financial standards or disclosure requirements of higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial reporting and may not be subject to the same level of regulatory oversight as companies listed on major exchanges like the NYSE or NASDAQ. This tier often includes companies with distressed financials, early-stage ventures, or those choosing to remain private but still allowing trading of their shares.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited financial disclosure and transparency.
- Lower liquidity and wider bid-ask spreads.
- Potential for market manipulation and fraud.
- Higher volatility and price fluctuations.
- Increased risk of delisting or trading suspension.
- Verify the company's financial statements and audit reports.
- Research the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Review the company's regulatory filings and legal history.
- Monitor trading volume and price movements for unusual activity.
- Consult with a qualified financial advisor.
- Understand the risks associated with OTC investing.
- Established history of operations in Israel.
- Presence in the insurance and finance sectors.
- Market capitalization of $1.55B.
- Positive profit margin of 17.7%.
- Management team with experience in the financial services industry.
What Investors Ask About Menora Mivtachim Holdings Ltd (MNRHF) — Financial Services
What does Menora Mivtachim Holdings Ltd do?
Menora Mivtachim Holdings Ltd is a diversified financial services company based in Israel, offering a range of insurance and investment products. Its core business includes life and health insurance, general insurance, and automobile insurance. Additionally, the company manages pension and provident funds, provides mutual fund and portfolio management services, and engages in securities underwriting and real estate investment. These diverse activities position it as a major player in the Israeli financial landscape, catering to both individual and institutional clients.
What are the main risks for MNRHF?
Menora Mivtachim Holdings Ltd faces several risks inherent to the financial services industry. Increased competition from both local and international players could erode market share. The disruptive impact of fintech companies poses a threat to traditional insurance and investment models. An economic downturn in Israel could reduce demand for financial products and services. Changes in consumer preferences and behavior may require the company to adapt its offerings. Regulatory changes in the Israeli financial sector could also impact profitability and operations. These risks require careful monitoring and proactive mitigation strategies.
How is Menora Mivtachim Holdings Ltd adapting to fintech disruption?
Menora Mivtachim Holdings Ltd is actively adapting to fintech disruption by expanding its digital insurance offerings. This includes developing online platforms and mobile applications to streamline the insurance process and enhance customer experience. The company is also exploring partnerships with fintech companies to integrate innovative technologies into its existing services. By embracing digital transformation, Menora Mivtachim aims to remain competitive in the evolving financial landscape and attract a younger demographic of tech-savvy customers. These initiatives are crucial for maintaining market share and driving future growth.
How sensitive is MNRHF to interest rate changes?
As a financial services company, Menora Mivtachim Holdings Ltd is sensitive to interest rate changes. Fluctuations in interest rates can impact the company's net interest margin, affecting the profitability of its lending and investment activities. Rising interest rates may increase the cost of borrowing, potentially reducing demand for loans and other financial products. Conversely, falling interest rates may compress the company's net interest margin. Effective management of interest rate risk is crucial for maintaining financial stability and profitability. The company employs various hedging strategies to mitigate the impact of interest rate volatility.
What are the key factors to evaluate for MNRHF?
Menora Mivtachim Holdings Ltd (MNRHF) holds an AI score of 52/100 (moderate). P/E: 11.6x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does MNRHF data refresh on this page?
MNRHF prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven MNRHF's recent stock price performance?
Menora Mivtachim Holdings Ltd (MNRHF) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Diversified financial services offerings. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider MNRHF overvalued or undervalued right now?
Menora Mivtachim Holdings Ltd (MNRHF) trades at 11.6x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- OTC data may be less reliable than exchange-listed data.
- AI analysis pending for MNRHF, limiting comprehensive insights.