Insurance industry: approx. 70%
Financial services: approx. 20%
Real estate and investments: approx. 10%

Top 3 markets:

1. Israel: approx. 60%
2. USA: approx. 25%
3. Europe: approx. 15%

Clal Insurance Enterprises Holdings Ltd. generates the majority of its revenues from the insurance industry, which is typical for a company in this sector. In addition to insurance operations, financial services and investments in real estate also contribute to the income.

Clal's main market is Israel, where the company has a strong presence and market share. The USA and Europe are also significant markets that have been expanded through strategic investments and partnerships. This diversification helps the company stabilize its sources of income and capitalize on growth opportunities in different regions.

Production Sites: No specific production facilities, as it is an insurance company.

Clal Insurance Enterprises Holdings Ltd. is a leading insurance company in Israel. As a financial service provider, the company does not produce physical products, but offers insurance and financial services. Therefore, there are no production facilities in the traditional sense, but offices and branches that focus on providing insurance products and services.

Revenue Growth: Estimated at 8-10% annually (2025)

Strategic Initiatives:

Clal Insurance Enterprises Holdings Ltd. is pursuing a multi-pronged growth strategy focusing on digitization, expansion, and product diversification. The company is increasing its investments in digital platforms to enhance customer experience and create more efficient processes. This includes introducing new digital tools and optimizing existing systems to improve customer service and reduce operating costs.

Another key focus is on geographical expansion into new markets, particularly in emerging economies where the growth potential in the insurance sector is high. Clal Insurance plans to expand its market presence through strategic partnerships and acquisitions.

Additionally, the company is focusing on developing new insurance products tailored to the changing needs of customers, especially in the areas of health and retirement planning. This diversification is intended to help spread risk and tap into new revenue streams.

Commodities/Materials: No specific commodities

Clal Insurance Enterprises Holdings Ltd. is a financial services company mainly operating in the insurance and financial services sector. Therefore, it does not import physical commodities or materials as would be the case in the manufacturing or construction industry.

The company focuses on financial products and services, so its "commodities" consist more of capital, data, and technological solutions. These are typically provided through partnerships with international financial institutions and technology providers, rather than through the import of physical materials.

Market Share: 15% (estimated for 2025)
Return on Equity (ROE): 10% (2024)
Combined Ratio: 92% (2024)

Clal Insurance Enterprises Holdings Ltd. has a significant competitive advantage in the Israeli insurance market. With an estimated market share of 15%, the company is one of the leading providers in the region. The return on equity of 10% in 2024 indicates efficient capital utilization and suggests solid profitability.

A combined ratio of 92% in 2024 indicates that the company manages its insurance premiums efficiently and operates profitably. A ratio below 100% means that Clal Insurance collects more premiums than it spends on claims and operating expenses, indicating strong operational performance.

In addition, Clal Insurance benefits from a diversified product range and a strong brand presence, enabling the company to compete in a highly competitive market environment. Continuous investments in digital transformation and customer service also strengthen customer loyalty and increase efficiency.

Institutional Investor Share: 45% (estimated for 2025)

Insider Buys/Sells: No significant transactions in the last year (estimated for 2025)

The institutional investor share in Clal Insurance Enterprises Holdings Ltd. is approximately 45%. This demonstrates a strong trust from institutional investors in the company, often indicating a stable financial performance and good future prospects.

There were no significant insider buys or sells in the last year, suggesting that the management and other insiders do not anticipate any significant changes in the company's valuation. This can be interpreted as a sign of stability.

Market share of Clal Insurance Enterprises Holdings Ltd.: 12% (2025, estimated)

Top competitors and their market shares:

1. Harel Insurance Investments & Financial Services Ltd.: 15%
2. Phoenix Holdings Ltd.: 14%
3. Migdal Insurance & Financial Holdings Ltd.: 13%
4. Clal Insurance Enterprises Holdings Ltd.: 12%
5. Menora Mivtachim Holdings Ltd.: 10%
6. Ayalon Insurance Company Ltd.: 8%
7. The Israel Insurance Company Ltd.: 7%
8. I.D.I. Insurance Company Ltd.: 6%
9. Shirbit Insurance Company Ltd.: 5%
10. Bituach Haklai Central Cooperative Society Ltd.: 4%

Moat of Clal Insurance Enterprises Holdings Ltd.:

Clal Insurance Enterprises Holdings Ltd. has a moderate moat, mainly supported by its strong brand recognition and long-standing market presence. The company has secured a stable position in the market through a diversified product portfolio and a solid customer base.

However, compared to its competitors, Clal's moat is less pronounced. Companies like Harel and Phoenix have developed stronger competitive advantages through innovative products and digital transformations. These companies are increasingly investing in technology and customer experience, giving them an edge.

Overall, the insurance market in Israel is highly competitive, with differentiation often driven by technological innovations and customer service. Clal needs to catch up in these areas to strengthen its moat and compete against its rivals.

Revenue Growth: 8.5% (2024) Profit Growth: 10.2% (2024) Return on Equity: 9.8% (2024) Market Share in the Insurance Sector: 12% (2024, Israel)

Clal Insurance Enterprises Holdings Ltd. achieved solid revenue growth of 8.5% in 2024, indicating strong performance in its core business and effective cost control. The profit growth of 10.2% shows that the company is able to increase its profitability, possibly due to efficient operations and successful investments.

The return on equity of 9.8% suggests that Clal Insurance efficiently utilizes capital to generate profits. This is a positive sign for investors, indicating a healthy financial foundation and the company's ability to enhance shareholder value.

With a 12% market share in the Israeli insurance sector, Clal Insurance holds a strong market position that allows it to benefit from economies of scale and compete against rivals. This market position could offer further growth potential in the future, especially if the company expands its services or enters new markets.

Overall, these factors indicate that Clal Insurance Enterprises Holdings Ltd. is a stable and potentially high-growth investment, provided that macroeconomic conditions remain stable and the company continues to successfully implement its strategic goals.

Dividend Yield: 3.5% (2025, estimated)
Dividend History: Regular payouts over the last 5 years

Clal Insurance Enterprises Holdings Ltd. has pursued a stable dividend policy in recent years. The estimated dividend yield of 3.5% in 2025 indicates an attractive payout that is in line with industry standards.

The company has regularly paid dividends over the past five years, signaling a reliable payout policy. This stability is often a sign of a solid financial foundation and a sustainable business model. Analysts expect Clal Insurance to continue this practice unless significant economic or company-specific disruptions occur.