Clal Insurance Enterprises Holdings Ltd (CLIS) Fair Value & Analysis
Financial Services · Il · Market cap 19.2B ILA · ISIN IL0002240146
What is Clal Insurance Enterprises Holdings Ltd really worth?
Below-average quality, currently priced close to our fair value of 256.46 ILA.
Strengths
Risks
Fair value as of: Aug 19, 2026
From 6 valuation models · updated 17 days ago
Share price +19.5% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price sits close to our fair value, market and models broadly agree here, little valuation tension.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 19, 2026.
How to read this chart
60‑month range 43.68 ILA – 296.20 ILA · fair‑value band 192.35 ILA – 320.58 ILA · the 278.20 ILA price screens above the 256.46 ILA fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 19, 2026.
Analysis
Clal Insurance Enterprises Holdings Ltd (CLIS) currently trades at 278.20 ILA, while our model-based Fair Value estimate is 256.46 ILA, implying the stock looks roughly 8.5% fairly valued today. The Quality Score stands at 46/100 (below-average quality), in the Financial Services sector. Bull case: the Economic Profit group reads highest at a median of 267.95 ILA per share, and 1 of the 6 models we run sit above the 278.20 ILA price. Bear case: the Dividend Discount group reads lowest at 40.20 ILA, and 5 of the 6 models stay below the price. Evidence for this calculation is high.
Over the trailing twelve months, Clal Insurance Enterprises Holdings Ltd generated revenue of 17.4B ILA at a net margin of 13.3%. Revenue grew 6.6% year over year. It earns a return on equity of 22.9%. Net debt stands at 13.3B ILA. Fundamentals as of Aug 19, 2026
Our scenario range runs from 192.35 ILA (bear case) to 320.58 ILA (bull case); at 278.20 ILA, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. For context, the median of 10 Financial Services peers we cover trades at −29% fair-value upside, at −8%, CLIS screens cheaper than that median.
Fair Value models
This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly 18.77 ILS per share, which is 7.3 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 6 models by family
Widest divergence: Economic Profit (267.95 ILA) versus Dividend Discount (40.20 ILA). Highest evidence: Gordon GGM (66).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 19, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 42 · Market factors (momentum, volatility) 72
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
Clal Insurance Enterprises Holdings Ltd. operates in the fields of insurance, pensions, provident funds and finance, and credit insurance in Israel.
Full company description
Clal Insurance Enterprises Holdings Ltd. operates in the fields of insurance, pensions, provident funds and finance, and credit insurance in Israel. The company's Long-Term Savings segment includes life insurance and related coverages; and management of pension and provident funds, and long-term savings, as well as insurance coverage for various risks, such as death, disability, loss of working capacity, and health insurance policies. Its Health Insurance segment provides long-term care, medical expense, surgeries, transplants, personal accidents, foreign travel, dental, foreign worker, and other insurance products. The company's General insurance segment comprises liability and property sectors, credit insurance, personal accidents, and others. This segment also provides mandatory vehicle that focuses on coverage, the purchase of which by the vehicle owner or driver is mandatory, in respect of bodily injury caused as a result of the use of a motor vehicle; vehicle property that covers property damage to the policyholder's vehicle and third-party property damage caused by the insured vehicle; property and other insurance products; credit insurance and foreign trade risk insurance products; and third-party, employers', professional, and product liability insurance products. Its Credit Card Segment provides bank payment cards for B2B2C customers; sells and markets of non-bank credit cards, consumer credit, and other products directly to private customers; ancillary and related services and complementary products to the clearing services; products and services offered to merchants, such as loans, voucher discounting, advance payments, and guarantees; and e-commerce payment solutions, bookkeeping management, and digital invoice services. The company was incorporated in 1987 and is based in Tel Aviv-Yafo, Israel.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Clal Insurance Enterprises Holdings Ltd reported revenue of 15.1B ILS in FY2025 versus 25.1B ILS in FY2021, a compound −11.9%/yr. Reported net income was 2.3B ILS in FY2025, compounding +20.5%/yr from FY2021.
of which total revenue +6.1 % · buybacks/dilution −4.1 %
Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).
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Peer Group
Insurance - Life · 96 stocks
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.
Valuation Multiples vs Insurance - Life median · lower = cheaper
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Insider activity: 40/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Insurance - Life stocks, each showing price versus our Fair Value estimate (as of Aug 19, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| China Life Insurance Company 601628 | ¥37.03 | ¥49.98 | +35% |
| Ping An Insurance (Group) Company 601318 | ¥55.82 | ¥84.72 | +52% |
| AIA Group 1299 | HK$73.00 | HK$33.57 | −54% |
| Manulife Financial Corporation MFC | C$59.80 | C$38.80 | −35% |
| Aflac Incorporated AFL | $116.52 | $74.34 | −36% |
| Great-West Lifeco Inc GWO | C$90.25 | C$39.53 | −56% |
| MetLife, Inc MET | $96.51 | $68.27 | −29% |
| Life Insurance Corporation LICI | ₹412.15 | ₹392.93 | −5% |
| China Pacific Insurance (Group) Co 601601 | ¥30.20 | ¥57.51 | +90% |
| Samsung Life Insurance Co 032830 | 301,000 KRW | 191,293 KRW | −36% |
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