Ayalon Insurance Company Ltd (TLV:AYAL)

Ayalon Insurance Company Statistics

Total Valuation

TLV:AYAL has a market cap or net worth of ILS 3.80 billion. The enterprise value is 4.04 billion.

Market Cap	3.80B
Enterprise Value	4.04B

Important Dates

The last earnings date was Monday, March 30, 2026.

Earnings Date	Mar 30, 2026
Ex-Dividend Date	Dec 7, 2025

Share Statistics

TLV:AYAL has 27.23 million shares outstanding. The number of shares has increased by 3.35% in one year.

Current Share Class	27.23M
Shares Outstanding	27.23M
Shares Change (YoY)	+3.35%
Shares Change (QoQ)	+9.75%
Owned by Insiders (%)	0.19%
Owned by Institutions (%)	10.84%
Float	8.18M

Valuation Ratios

The trailing PE ratio is 8.71.

PE Ratio	8.71
Forward PE	n/a
PS Ratio	0.76
PB Ratio	2.50
P/TBV Ratio	3.37
P/FCF Ratio	12.66
P/OCF Ratio	12.26
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 5.12, with an EV/FCF ratio of 13.46.

EV / Earnings	9.47
EV / Sales	0.81
EV / EBITDA	5.12
EV / EBIT	5.95
EV / FCF	13.46

Financial Position

The company has a current ratio of 0.33, with a Debt / Equity ratio of 0.46.

Current Ratio	0.33
Quick Ratio	0.04
Debt / Equity	0.46
Debt / EBITDA	0.89
Debt / FCF	2.34
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 34.18% and return on invested capital (ROIC) is 20.89%.

Return on Equity (ROE)	34.18%
Return on Assets (ROA)	2.15%
Return on Invested Capital (ROIC)	20.89%
Return on Capital Employed (ROCE)	12.56%
Weighted Average Cost of Capital (WACC)	4.51%
Revenue Per Employee	3.60M
Profits Per Employee	305,866
Employee Count	1,393
Asset Turnover	0.26
Inventory Turnover	n/a

Taxes

In the past 12 months, TLV:AYAL has paid 200.31 million in taxes.

Income Tax	200.31M
Effective Tax Rate	31.98%

Stock Price Statistics

The stock price has increased by +194.84% in the last 52 weeks. The beta is 0.20, so TLV:AYAL's price volatility has been lower than the market average.

Beta (5Y)	0.20
52-Week Price Change	+194.84%
50-Day Moving Average	12,507.52
200-Day Moving Average	8,735.52
Relative Strength Index (RSI)	53.51
Average Volume (20 Days)	66,423

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 5.01 billion and earned 426.07 million in profits. Earnings per share was 16.00.

Revenue	5.01B
Gross Profit	796.90M
Operating Income	674.50M
Pretax Income	626.39M
Net Income	426.07M
EBITDA	784.13M
EBIT	674.50M
Earnings Per Share (EPS)	16.00

Balance Sheet

The company has 464.24 million in cash and 701.60 million in debt, with a net cash position of -237.36 million or -8.72 per share.

Cash & Cash Equivalents	464.24M
Total Debt	701.60M
Net Cash	-237.36M
Net Cash Per Share	-8.72
Equity (Book Value)	1.52B
Book Value Per Share	55.79
Working Capital	-9.80B

Cash Flow

In the last 12 months, operating cash flow was 309.67 million and capital expenditures -9.78 million, giving a free cash flow of 299.89 million.

Operating Cash Flow	309.67M
Capital Expenditures	-9.78M
Depreciation & Amortization	n/a
Net Borrowing	-48.73M
Free Cash Flow	299.89M
FCF Per Share	11.01

Margins

Gross margin is 15.90%, with operating and profit margins of 13.46% and 8.50%.

Gross Margin	15.90%
Operating Margin	13.46%
Pretax Margin	12.50%
Profit Margin	8.50%
EBITDA Margin	15.65%
EBIT Margin	13.46%
FCF Margin	5.98%

Dividends & Yields

This stock pays an annual dividend of 4.84, which amounts to a dividend yield of 3.47%.

Dividend Per Share	4.84
Dividend Yield	3.47%
Dividend Growth (YoY)	151.37%
Years of Dividend Growth	2
Payout Ratio	36.38%
Buyback Yield	-3.35%
Shareholder Yield	0.25%
Earnings Yield	11.22%
FCF Yield	7.90%

Fair Value

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

Lynch Fair Value
Lynch Upside
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	4