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GMA Stock Overview

Gama Management and Clearing Ltd, a non-banking company, provides financial and credit services to companies and businesses in Israel. More details

GMA fundamental analysis
Snowflake Score
Valuation	1/6
Future Growth	0/6
Past Performance	4/6
Financial Health	2/6
Dividends	2/6

Rewards

Earnings grew by 351.8% over the past year

Risk Analysis

Debt is not well covered by operating cash flow

High level of non-cash earnings

Dividend of 2.94% is not well covered by cash flows

Volatile share price over the past 3 months

+ 1 more risk

Community vs My Fair Value

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Gama Management and Clearing Ltd Competitors

Nawi Group

TASE:NAWI

₪1.8b

Direct Finance of Direct Group (2006)Ltd

TASE:DIFI

₪1.7b

Isracard

TASE:ISCD

₪3.5b

M.L.R.N Projects and Trade

TASE:MLRN

₪251.0m

Price History & Performance

Summary of share price highs, lows and changes for Gama Management and Clearing
Historical stock prices
Current Share Price	₪14.00
52 Week High	₪14.33
52 Week Low	₪7.90
Beta	0.58
1 Month Change	1.74%
3 Month Change	31.83%
1 Year Change	41.26%
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	-9.68%

Recent updates

Shareholder Returns

	GMA	IL Consumer Finance	IL Market
7D	0%	3.8%	4.2%
1Y	41.3%	33.5%	34.1%

Return vs Industry: GMA exceeded the IL Consumer Finance industry which returned -5% over the past year.

Return vs Market: GMA exceeded the IL Market which returned -18% over the past year.

Price Volatility

Is GMA's price volatile compared to industry and market?
GMA volatility
GMA Average Weekly Movement	7.7%
Consumer Finance Industry Average Movement	6.0%
Market Average Movement	5.2%
10% most volatile stocks in IL Market	8.1%
10% least volatile stocks in IL Market	3.7%

Stable Share Price: GMA's share price has been volatile over the past 3 months.

Volatility Over Time: GMA's weekly volatility (8%) has been stable over the past year, but is still higher than 75% of IL stocks.

About the Company

Founded	Employees	CEO	Website
1998	163	Ariel Gnot	www.gamaf.co.il

Gama Management and Clearing Ltd, a non-banking company, provides financial and credit services to companies and businesses in Israel. It offers clearing and discounting of debit vouchers; financing against real estate assets; loans; equipment financing; and guarantees. The company was incorporated in 1998 and is based in Bnei Brak, Israel.

Gama Management and Clearing Ltd Fundamentals Summary

How do Gama Management and Clearing's earnings and revenue compare to its market cap?
GMA fundamental statistics
Market cap	₪953.34m
Earnings (TTM)	₪74.56m
Revenue (TTM)	₪201.12m

12.8x

P/E Ratio

4.7x

P/S Ratio

Is GMA overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
GMA income statement (TTM)
Revenue	₪201.12m
Cost of Revenue	₪91.73m
Gross Profit	₪109.38m
Other Expenses	₪34.82m
Earnings	₪74.56m

Last Reported Earnings

Mar 31, 2023

Next Earnings Date

n/a

Earnings per share (EPS)	1.09
Gross Margin	54.39%
Net Profit Margin	37.07%
Debt/Equity Ratio	321.1%

How did GMA perform over the long term?

See historical performance and comparison

Dividends

2.9%

Current Dividend Yield

33%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2023/09/12 00:23
End of Day Share Price	2023/08/30 00:00
Earnings	2023/03/31
Annual Earnings	2022/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Gama Management and Clearing Ltd is covered by 0 analysts. of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.