Michlol Finance Ltd
Michlol Finance Ltd, through its subsidiaries, engages in financing and management of construction projects in Israel and internationally. It offers finance to entrepreneurs in the field of residential real estate sector, as well as commercial and hotel projects; and credit to medium and small business corporations. Michlol Finance Ltd was incorporated in 2017 and is based in Bnei Brak, Israel.
Michlol Finance Ltd (MCLL) - Net Assets
Latest net assets as of September 2025: ILA338.30 Million ILA
Based on the latest financial reports, Michlol Finance Ltd (MCLL) has net assets worth ILA338.30 Million ILA as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (ILA2.13 Billion) and total liabilities (ILA1.79 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | ILA338.30 Million |
| % of Total Assets | 15.92% |
| Annual Growth Rate | N/A |
| 5-Year Change | 78.88% |
| 10-Year Change | N/A |
| Growth Volatility | 11.67 |
Michlol Finance Ltd - Net Assets Trend (2019–2024)
This chart illustrates how Michlol Finance Ltd's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Michlol Finance Ltd (2019–2024)
The table below shows the annual net assets of Michlol Finance Ltd from 2019 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | ILA305.73 Million | +18.33% |
| 2023-12-31 | ILA258.38 Million | +29.86% |
| 2022-12-31 | ILA198.97 Million | +19.24% |
| 2021-12-31 | ILA166.86 Million | -2.37% |
| 2020-12-31 | ILA170.91 Million | +7743.78% |
| 2019-12-31 | ILA-2.24 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Michlol Finance Ltd's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 11760200000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | ILA114.60 Million | 37.48% |
| Other Components | ILA191.13 Million | 62.52% |
| Total Equity | ILA305.73 Million | 100.00% |
Michlol Finance Ltd Competitors by Market Cap
The table below lists competitors of Michlol Finance Ltd ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
R&R Real Estate Investment Trust
PINK:RRRUF
|
$1.83 Million |
|
China Natural Resources Inc
NASDAQ:CHNR
|
$1.83 Million |
|
Zaklady Urzadzen Kotlowych Staporkow SA
WAR:ZUK
|
$1.83 Million |
|
Vaxxa AB
F:7WA0
|
$1.83 Million |
|
QUINTILES TRANSNAT
BE:QTS
|
$1.83 Million |
|
Femto Technologies Inc.
NASDAQ:FMTO
|
$1.83 Million |
|
Culpeo Minerals Ltd
AU:CPO
|
$1.83 Million |
|
Capella Minerals Limited
OTCQB:CMILF
|
$1.83 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Michlol Finance Ltd's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 258,380,000 to 305,733,000, a change of 47,353,000 (18.3%).
- Net income of 50,932,000 contributed positively to equity growth.
- Dividend payments of 5,000,000 reduced retained earnings.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | ILA50.93 Million | +16.66% |
| Dividends Paid | ILA5.00 Million | -1.64% |
| Other Changes | ILA1.42 Million | +0.46% |
| Total Change | ILA- | 18.33% |
Book Value vs Market Value Analysis
This analysis compares Michlol Finance Ltd's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 232.09x
- The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2019-12-31 | ILA-0.05 | ILA1634.00 | x |
| 2020-12-31 | ILA4.18 | ILA1634.00 | x |
| 2021-12-31 | ILA4.08 | ILA1634.00 | x |
| 2022-12-31 | ILA4.86 | ILA1634.00 | x |
| 2023-12-31 | ILA5.94 | ILA1634.00 | x |
| 2024-12-31 | ILA7.04 | ILA1634.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Michlol Finance Ltd utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 16.66%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 47.78%
- • Asset Turnover: 0.07x
- • Equity Multiplier: 5.34x
- Recent ROE (16.66%) is above the historical average (9.72%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2019 | 0.00% | -71.17% | 0.03x | 0.00x | ILA-1.52 Million |
| 2020 | 8.93% | 46.53% | 0.05x | 3.53x | ILA-1.82 Million |
| 2021 | 3.56% | 17.19% | 0.05x | 4.29x | ILA-10.74 Million |
| 2022 | 13.29% | 38.52% | 0.06x | 5.56x | ILA6.55 Million |
| 2023 | 15.88% | 46.42% | 0.05x | 6.24x | ILA15.19 Million |
| 2024 | 16.66% | 47.78% | 0.07x | 5.34x | ILA20.36 Million |
Industry Comparison
This section compares Michlol Finance Ltd's net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $156,969,725
- Average return on equity (ROE) among peers: 10.63%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Michlol Finance Ltd (MCLL) | ILA338.30 Million | 0.00% | 5.28x | $1.83 Million |
| Blackedge Ltd (BLEG) | $31.44 Million | 25.47% | 6.22x | $171.26 Million |
| Blender Financial Technologies Ltd (BLND) | $12.59 Million | -192.17% | 4.09x | $180.33K |
| Direct Finance TA (DIFI) | $308.07 Million | 18.05% | 4.77x | $4.26 Million |
| Gamla Harel Residential Real-Estate Ltd (GMLA) | $264.55 Million | 12.30% | 3.04x | $1.48 Million |
| Jacob Finance And Investments Ltd (JCFN) | $32.51 Million | 74.84% | 42.00x | $1.98 Million |
| Michman Basad Ltd (MCMN) | $10.83 Million | 69.73% | 7.32x | $1.60 Million |
| MLRN Projects and Trade Ltd (MLRN) | $28.66 Million | 38.21% | 8.20x | $1.21 Million |
| Menif Financial Services Ltd (MNIF) | $450.69 Million | 27.61% | 4.78x | $4.24 Million |
| Nawi Brothers Group Ltd (NAWI) | $273.38 Million | 21.61% | 3.76x | $4.87 Million |