Mizrahi Tefahot Bank Ltd.
Mizrahi Tefahot Bank Ltd. Fundamental Analysis
Mizrahi Tefahot Bank Ltd. (MZTFF) shows moderate financial fundamentals with a PE ratio of 11.76, profit margin of 18.77%, and ROE of 16.96%. The company generates $29.5B in annual revenue with weak year-over-year growth of 1.15%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 74.7/100 based on profitability, valuation, growth, and balance sheet metrics. The B grade reflects solid fundamentals with room for improvement in valuation or growth.
Fundamental Health Score
We analyze MZTFF's fundamental strength across five key dimensions:
Efficiency Score
WeakMZTFF struggles to generate sufficient returns from assets.
Valuation Score
ModerateMZTFF shows balanced valuation metrics.
Growth Score
ModerateMZTFF shows steady but slowing expansion.
Financial Health Score
WeakMZTFF carries high financial risk with limited liquidity.
Profitability Score
ExcellentMZTFF achieves industry-leading margins.
Key Financial Metrics
Is MZTFF Expensive or Cheap?
P/E Ratio
MZTFF trades at 11.76 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, MZTFF's PEG of 4.20 indicates potential overvaluation.
Price to Book
The market values Mizrahi Tefahot Bank Ltd. at 1.92 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 9.87 times EBITDA. This is generally considered low.
How Well Does MZTFF Make Money?
Net Profit Margin
For every $100 in sales, Mizrahi Tefahot Bank Ltd. keeps $18.77 as profit after all expenses.
Operating Margin
Core operations generate 31.06 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $16.96 in profit for every $100 of shareholder equity.
ROA
Mizrahi Tefahot Bank Ltd. generates $1.05 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Mizrahi Tefahot Bank Ltd. generates strong operating cash flow of $22.97B, reflecting robust business health.
Free Cash Flow
Mizrahi Tefahot Bank Ltd. generates strong free cash flow of $22.45B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $86.35 in free cash annually.
FCF Yield
MZTFF converts 34.48% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
11.76
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
4.20
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.92
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.21
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.22
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.16
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.17
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.09
vs 25 benchmark
How MZTFF Stacks Against Its Sector Peers
| Metric | MZTFF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 11.76 | 18.73 | Better (Cheaper) |
| ROE | 16.96% | 847.00% | Weak |
| Net Margin | 18.77% | 2562.00% | Weak |
| Debt/Equity | 1.22 | 0.93 | Weak (High Leverage) |
| Current Ratio | 0.16 | 674.76 | Weak Liquidity |
| ROA | 1.05% | -21692.00% (disorted) | Weak |
MZTFF outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Mizrahi Tefahot Bank Ltd.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
258.56%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
168.59%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
358.73%
Industry Style: Value, Dividend, Cyclical
High Growth