Menora Miv Hld (MMHD) Fair Value & Analysis
Financial Services · Il · Market cap 28.3B ILA · ISIN IL0005660183
What is Menora Miv Hld really worth?
A solid business, but trading 67% above our fair value of 326.94 ILA.
Strengths
Fair value as of: Aug 19, 2026
From 6 valuation models · updated 16 days ago
Share price +12.8% 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 above even our optimistic bull case (408.67 ILA). The favourable scenario is already priced in.
- Solid but not exceptional quality (64/100) 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.
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 52.03 ILA – 565.00 ILA · fair‑value band 245.21 ILA – 408.67 ILA · the 544.60 ILA price screens above the 326.94 ILA fair value. Dashed = 300-day average. As of Aug 19, 2026.
Analysis
Menora Miv Hld (MMHD) currently trades at 544.60 ILA, while our model-based Fair Value estimate is 326.94 ILA, implying the stock looks roughly 66.6% overvalued today. The Quality Score stands at 64/100 (solid quality), in the Financial Services sector. Bull case: the Economic Profit group reads highest at a median of 357.29 ILA per share, and 0 of the 6 models we run sit above the 544.60 ILA price. Bear case: the Asset-Based group reads lowest at 98.52 ILA, and 6 of the 6 models stay below the price. Evidence for this calculation is high.
Over the trailing twelve months, Menora Miv Hld generated revenue of 10.2B ILA at a net margin of 23.0%. Revenue grew 42.1% year over year. It earns a return on equity of 28.2%. Net debt stands at 3.3B ILA. Fundamentals as of Aug 19, 2026
Our scenario range runs from 245.21 ILA (bear case) to 408.67 ILA (bull case); at 544.60 ILA, the current price sits above 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 −40%, MMHD screens richer 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 15.57 ILS per share, which is 4.8 % 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 (357.29 ILA) versus Asset-Based (98.52 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 53 · Market factors (momentum, volatility) 75
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
Menora Mivtachim Holdings Ltd., together with its subsidiaries, operates in insurance and finance sectors in Israel. It operates through Life Insurance and Long-Term Savings; Health Insurance; and Property and Casualty Insurance segments.
Full company description
Menora Mivtachim Holdings Ltd., together with its subsidiaries, operates in insurance and finance sectors in Israel. It operates through Life Insurance and Long-Term Savings; Health Insurance; and Property and Casualty Insurance segments. The company offers mortgage, life, disability, health, critical illness, travel, personal accident, home, business, car, comprehensive car, third party, compulsory car, casual driver, truck, motorcycle, executive, foreign workers and tourists, cyber, and engineering insurance products; and pension, provident, and training funds. It also engages in the provision of securities distribution and underwriting obligations, insurance brokerage, financing and credit to SMEs, and undertakings for repayment of means of payment, as well as real estate investments, and solar activities. Menora Mivtachim Holdings Ltd. was formerly known as General Liability Office Ltd. and changed its name to Menora Mivtachim Holdings Ltd. in 2006. The company was incorporated in 1935 and is based in Ramat Gan, Israel.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Menora Miv Hld reported revenue of 17.9B ILS in FY2025 versus 13.0B ILS in FY2021, a compound +8.3%/yr. Reported net income was 2.4B ILS in FY2025, compounding +37.6%/yr from FY2021.
of which total revenue +7.7 % · buybacks/dilution +0.0 %
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).
MMHD screens 67% overvalued. Compare with China Life Insurance Company →
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.
VALUE 0: the price sits above our fair-value range.
Insider activity: 42/100
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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