How does JCFN's PE Ratio compare to its peers?

JCFN is good value based on its Price-To-Earnings Ratio (10.2x) compared to the peer average (10.5x).

How does JCFN's PE Ratio compare vs other companies in the Asian Diversified Financial Industry?

JCFN is good value based on its Price-To-Earnings Ratio (10.2x) compared to the Asian Diversified Financial industry average (21.2x).

What is JCFN's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Insufficient data to calculate JCFN's Price-To-Earnings Fair Ratio for valuation analysis.

What is the Fair Price of JCFN when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

JCFN (₪21.49) is trading above our estimate of [[fair value]] (₪16.96)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

Jacob Finance and Investments TASE:JCFN Stock Report

Last Price

₪21.49

Market Cap

₪528.3m

7D

3.0%

1Y

55.6%

Updated

21 Dec, 2024

Data

Company Financials

Jacob Finance and Investments Ltd

TASE:JCFN Stock Report

Market Cap: ₪528.3m

JCFN Stock Overview

Provides non-banking credit services. More details

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

Rewards

Price-To-Earnings ratio (10.2x) is below the IL market (13.7x)

Earnings grew by 13.5% over the past year

Risk Analysis

Debt is not well covered by operating cash flow

My Notes

Capture your thoughts, links and company narrative

Jacob Finance and Investments Ltd Competitors

Peninsula Group

TASE:PEN

₪471.4m

Gamla Harel Residential Real Estate

TASE:GMLA

₪552.8m

S.R. Accord

TASE:SRAC

₪576.9m

Michman Finance

TASE:MCMN

₪414.1m

Price History & Performance

Summary of share price highs, lows and changes for Jacob Finance and Investments
Historical stock prices
Current Share Price	₪21.49
52 Week High	₪21.97
52 Week Low	₪11.19
Beta	1.27
1 Month Change	3.52%
3 Month Change	15.35%
1 Year Change	55.61%
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	-4.53%

Recent News & Updates

Recent updates

Shareholder Returns

	JCFN	IL Diversified Financial	IL Market
7D	3.0%	2.5%	-0.5%
1Y	55.6%	50.6%	23.0%

Return vs Industry: JCFN exceeded the IL Diversified Financial industry which returned 50.6% over the past year.

Return vs Market: JCFN exceeded the IL Market which returned 23% over the past year.

Price Volatility

Is JCFN's price volatile compared to industry and market?
JCFN volatility
JCFN Average Weekly Movement	4.0%
Diversified Financial Industry Average Movement	3.7%
Market Average Movement	4.2%
10% most volatile stocks in IL Market	8.0%
10% least volatile stocks in IL Market	3.0%

Stable Share Price: JCFN has not had significant price volatility in the past 3 months compared to the IL market.

Volatility Over Time: JCFN's weekly volatility (4%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
2009	n/a	n/a	n/a

Jacob Finance and Investments Ltd provides non-banking credit services. The company was incorporated in 2009 and is based in Tel Aviv, Israel.

Jacob Finance and Investments Ltd Fundamentals Summary

How do Jacob Finance and Investments's earnings and revenue compare to its market cap?
JCFN fundamental statistics
Market cap	₪528.31m
Earnings (TTM)	₪51.99m
Revenue (TTM)	₪77.41m

10.2x

P/E Ratio

6.8x

P/S Ratio

Is JCFN overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
JCFN income statement (TTM)
Revenue	₪77.41m
Cost of Revenue	₪0
Gross Profit	₪77.41m
Other Expenses	₪25.42m
Earnings	₪51.99m

Last Reported Earnings

Sep 30, 2023

Next Earnings Date

n/a

Earnings per share (EPS)	2.11
Gross Margin	100.00%
Net Profit Margin	67.16%
Debt/Equity Ratio	452.1%

How did JCFN perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/21 02:57
End of Day Share Price	2024/12/19 00:00
Earnings	2023/09/30
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 here.

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 .

Analyst Sources

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

Analyst	Institution