Phoenix Financial Ltd

TASE:PHOE Stock Report

Market Cap: ₪21.3b

Phoenix Financial Past Earnings Performance

Past criteria checks 3/6

Phoenix Financial has been growing earnings at an average annual rate of 9.3%, while the Insurance industry saw earnings growing at 11.7% annually. Revenues have been growing at an average rate of 6.8% per year. Phoenix Financial's return on equity is 16.7%, and it has net margins of 9.1%.

Key information

9.30%

Earnings growth rate

9.44%

EPS growth rate

Insurance Industry Growth15.12%
Revenue growth rate6.76%
Return on equity16.73%
Net Margin9.07%
Last Earnings Update31 Mar 2025

Recent past performance updates

Recent updates

Phoenix Financial's (TLV:PHOE) Shareholders Will Receive A Bigger Dividend Than Last Year

Aug 27
Phoenix Financial's (TLV:PHOE) Shareholders Will Receive A Bigger Dividend Than Last Year

Most Shareholders Will Probably Agree With The Phoenix Holdings Ltd.'s (TLV:PHOE) CEO Compensation

Aug 07
Most Shareholders Will Probably Agree With The Phoenix Holdings Ltd.'s (TLV:PHOE) CEO Compensation

The Phoenix Holdings Ltd. (TLV:PHOE) Could Be Riskier Than It Looks

Aug 04
The Phoenix Holdings Ltd. (TLV:PHOE) Could Be Riskier Than It Looks

Revenue & Expenses Breakdown

How Phoenix Financial makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

TASE:PHOE Revenue, expenses and earnings (ILS Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
31 Mar 2520,5141,8612,3900
31 Dec 2424,8721,8182,3900
30 Sep 2428,0611,7752,2700
30 Jun 2425,3051,4122,2330
31 Mar 2428,1691,0532,2070
31 Dec 2321,8337772,1790
30 Sep 2321,3653492,1240
30 Jun 2318,4233992,0200
31 Mar 239,2695251,9530
31 Dec 2210,6571,2571,8940
30 Sep 2211,6791,6351,8610
30 Jun 2214,7171,8961,8500
31 Mar 2223,7242,3241,8300
31 Dec 2127,9721,9651,7610
30 Sep 2128,9532,0001,6630
30 Jun 2129,9471,8151,5600
31 Mar 2128,8741,6501,4580
31 Dec 2016,7101,1691,4180
30 Sep 2013,5814371,3620
30 Jun 2011,7221831,3470
31 Mar 209,884-1091,3470
31 Dec 1921,1742711,3510
30 Sep 1915,3704531,3330
30 Jun 1915,7517231,3160
31 Mar 1914,5767051,2970
31 Dec 1811,4966511,2650
30 Sep 1815,2117061,2500
30 Jun 1814,6595681,2460
31 Mar 1814,7776451,2230
31 Dec 1715,4097101,2220
30 Sep 1714,6088931,2080
30 Jun 1714,3899971,2130
31 Mar 1713,9418911,2100
31 Dec 1612,7316081,1940
30 Sep 1612,9545151,2450
30 Jun 1610,8593111,1930
31 Mar 169,7692801,1930
31 Dec 1511,4412641,1900
30 Sep 159,7961861,0950
30 Jun 1511,3143031,1100
31 Mar 1511,9262741,0860
31 Dec 1411,0555071,0700
30 Sep 1412,4975591,0950
30 Jun 1412,8415391,0840

Quality Earnings: PHOE has a large one-off gain of ₪4.2B impacting its last 12 months of financial results to 31st March, 2025.

Growing Profit Margin: PHOE's current net profit margins (9.1%) are higher than last year (3.7%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: PHOE has become profitable over the past 5 years, growing earnings by 9.3% per year.

Accelerating Growth: PHOE's earnings growth over the past year (76.7%) exceeds its 5-year average (9.3% per year).

Earnings vs Industry: PHOE earnings growth over the past year (76.7%) did not outperform the Insurance industry 80.7%.

Return on Equity

High ROE: PHOE's Return on Equity (16.7%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/06/01 03:21
End of Day Share Price 2025/05/29 00:00
Earnings2025/03/31
Annual Earnings2024/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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

Phoenix Financial Ltd is covered by 5 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Tavy RosnerBarclays
Terence KlingmanExcellence Nessuah Brokerage Services Ltd.
Philip Martin KettJefferies LLC