Phoenix Financial Ltd (TLV:PHOE)

Phoenix Financial Ratios and Metrics

Market cap in millions ILS. Fiscal year is January - December.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 5, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	34,035	13,336	9,608	9,418	10,159	6,219
Market Cap Growth	197.99%	38.80%	2.02%	-7.30%	63.37%	16.27%
Enterprise Value	27,406	3,868	-1,711	-161	2,103	-148
PE Ratio	12.19	7.34	12.36	7.49	5.17	5.32
PS Ratio	1.45	0.54	0.44	0.88	0.36	0.37
PB Ratio	2.75	1.09	0.88	0.89	1.02	0.77
P/FCF Ratio	21.39	-	5.36	3.71	2.27	1.34
P/OCF Ratio	17.67	-	4.40	3.45	2.23	1.30
EV/Sales Ratio	1.17	0.16	-	-	0.08	-
EV/EBITDA Ratio	15.35	-	-	-	0.69	-
EV/EBIT Ratio	16.77	-	-	-	0.79	-
EV/FCF Ratio	17.22	-	-	-	0.47	-
Debt / Equity Ratio	1.35	0.98	1.02	0.82	0.62	0.65
Debt / EBITDA Ratio	9.64	-	-	1.63	2.03	2.47
Debt / FCF Ratio	10.46	-	6.23	3.39	1.38	1.14
Quick Ratio	12.26	4.43	4.94	5.64	8.82	10.40
Current Ratio	14.09	4.95	5.56	6.20	9.63	11.12
Asset Turnover	0.13	0.15	0.14	0.07	0.21	0.15
Return on Equity (ROE)	24.52%	16.68%	8.26%	13.20%	22.48%	16.31%
Return on Assets (ROA)	0.55%	-0.53%	-0.07%	2.09%	1.27%	1.00%
Return on Capital (ROIC)	3.78%	-3.83%	-0.51%	17.30%	11.37%	9.22%
Earnings Yield	8.18%	13.63%	8.09%	13.35%	19.34%	18.80%
FCF Yield	4.68%	-7.96%	18.66%	26.96%	43.99%	74.52%
Dividend Yield	4.83%	6.68%	4.48%	4.16%	7.55%	8.08%
Payout Ratio	42.93%	29.43%	38.23%	46.22%	29.52%	-
Buyback Yield / Dilution	1.16%	0.59%	0.10%	0.45%	-0.41%	0.07%
Total Shareholder Return	5.98%	7.27%	4.58%	4.61%	7.14%	8.16%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.