Ayalon Insurance Company Ltd (TLV:AYAL)

Ayalon Insurance Company Statistics

Total Valuation

TLV:AYAL has a market cap or net worth of ILS 1.79 billion. The enterprise value is 1.79 billion.

Market Cap	1.79B
Enterprise Value	1.79B

Important Dates

The last earnings date was Thursday, August 28, 2025.

Earnings Date	Aug 28, 2025
Ex-Dividend Date	Sep 2, 2025

Share Statistics

TLV:AYAL has 27.23 million shares outstanding. The number of shares has decreased by -4.18% in one year.

Current Share Class	27.23M
Shares Outstanding	27.23M
Shares Change (YoY)	-4.18%
Shares Change (QoQ)	-1.34%
Owned by Insiders (%)	0.18%
Owned by Institutions (%)	5.05%
Float	9.67M

Valuation Ratios

The trailing PE ratio is 6.95.

PE Ratio	6.95
Forward PE	n/a
PS Ratio	0.39
PB Ratio	1.41
P/TBV Ratio	2.04
P/FCF Ratio	3.89
P/OCF Ratio	3.85
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 3.98, with an EV/FCF ratio of 3.89.

EV / Earnings	7.40
EV / Sales	0.39
EV / EBITDA	3.98
EV / EBIT	4.31
EV / FCF	3.89

Financial Position

The company has a current ratio of 291.73, with a Debt / Equity ratio of 0.57.

Current Ratio	291.73
Quick Ratio	206.63
Debt / Equity	0.57
Debt / EBITDA	1.61
Debt / FCF	1.57
Interest Coverage	6.14

Financial Efficiency

Return on equity (ROE) is 23.55% and return on invested capital (ROIC) is 14.42%.

Return on Equity (ROE)	23.55%
Return on Assets (ROA)	1.49%
Return on Invested Capital (ROIC)	14.42%
Return on Capital Employed (ROCE)	2.28%
Revenue Per Employee	3.27M
Profits Per Employee	173,254
Employee Count	1,393
Asset Turnover	0.26
Inventory Turnover	n/a

Taxes

In the past 12 months, TLV:AYAL has paid 124.81 million in taxes.

Income Tax	124.81M
Effective Tax Rate	34.12%

Stock Price Statistics

The stock price has increased by +223.38% in the last 52 weeks. The beta is 0.23, so TLV:AYAL's price volatility has been lower than the market average.

Beta (5Y)	0.23
52-Week Price Change	+223.38%
50-Day Moving Average	6,430.84
200-Day Moving Average	4,981.86
Relative Strength Index (RSI)	51.95
Average Volume (20 Days)	71,683

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, TLV:AYAL had revenue of ILS 4.56 billion and earned 241.34 million in profits. Earnings per share was 9.45.

Revenue	4.56B
Gross Profit	799.04M
Operating Income	410.57M
Pretax Income	365.84M
Net Income	241.34M
EBITDA	437.85M
EBIT	410.57M
Earnings Per Share (EPS)	9.45

Balance Sheet

The company has 9.49 billion in cash and 719.21 million in debt, giving a net cash position of 3.60 million or 0.13 per share.

Cash & Cash Equivalents	9.49B
Total Debt	719.21M
Net Cash	3.60M
Net Cash Per Share	0.13
Equity (Book Value)	1.27B
Book Value Per Share	50.63
Working Capital	13.58B

Cash Flow

In the last 12 months, operating cash flow was 464.74 million and capital expenditures -5.59 million, giving a free cash flow of 459.15 million.

Operating Cash Flow	464.74M
Capital Expenditures	-5.59M
Free Cash Flow	459.15M
FCF Per Share	16.86

Margins

Gross margin is 17.54%, with operating and profit margins of 9.01% and 5.30%.

Gross Margin	17.54%
Operating Margin	9.01%
Pretax Margin	8.03%
Profit Margin	5.30%
EBITDA Margin	9.61%
EBIT Margin	9.01%
FCF Margin	10.08%

Dividends & Yields

This stock pays an annual dividend of 4.81, which amounts to a dividend yield of 7.09%.

Dividend Per Share	4.81
Dividend Yield	7.09%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	1
Payout Ratio	37.29%
Buyback Yield	4.18%
Shareholder Yield	11.28%
Earnings Yield	13.50%
FCF Yield	25.68%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	n/a
Lynch Upside	n/a
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	7