Ayalon Insurance Company Ltd (TLV:AYAL)

Ayalon Insurance Company Statistics

Total Valuation

TLV:AYAL has a market cap or net worth of ILS 2.57 billion. The enterprise value is 2.68 billion.

Market Cap	2.57B
Enterprise Value	2.68B

Important Dates

The last earnings date was Thursday, November 27, 2025.

Earnings Date	Nov 27, 2025
Ex-Dividend Date	Dec 7, 2025

Share Statistics

TLV:AYAL has 27.23 million shares outstanding. The number of shares has decreased by -3.81% in one year.

Current Share Class	27.23M
Shares Outstanding	27.23M
Shares Change (YoY)	-3.81%
Shares Change (QoQ)	+6.45%
Owned by Insiders (%)	0.18%
Owned by Institutions (%)	5.59%
Float	8.18M

Valuation Ratios

The trailing PE ratio is 7.27.

PE Ratio	7.27
Forward PE	n/a
PS Ratio	0.55
PB Ratio	1.76
P/TBV Ratio	2.41
P/FCF Ratio	8.20
P/OCF Ratio	7.96
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 4.69, with an EV/FCF ratio of 8.58.

EV / Earnings	7.97
EV / Sales	0.57
EV / EBITDA	4.69
EV / EBIT	4.99
EV / FCF	8.58

Financial Position

The company has a current ratio of 170.94, with a Debt / Equity ratio of 0.49.

Current Ratio	170.94
Quick Ratio	26.56
Debt / Equity	0.49
Debt / EBITDA	1.25
Debt / FCF	2.28
Interest Coverage	8.60

Financial Efficiency

Return on equity (ROE) is 27.91% and return on invested capital (ROIC) is 17.23%.

Return on Equity (ROE)	27.91%
Return on Assets (ROA)	1.76%
Return on Invested Capital (ROIC)	17.23%
Return on Capital Employed (ROCE)	2.83%
Revenue Per Employee	3.36M
Profits Per Employee	241,657
Employee Count	1,393
Asset Turnover	0.25
Inventory Turnover	n/a

Taxes

In the past 12 months, TLV:AYAL has paid 158.08 million in taxes.

Income Tax	158.08M
Effective Tax Rate	31.97%

Stock Price Statistics

The stock price has increased by +230.30% in the last 52 weeks. The beta is 0.22, so TLV:AYAL's price volatility has been lower than the market average.

Beta (5Y)	0.22
52-Week Price Change	+230.30%
50-Day Moving Average	7,380.40
200-Day Moving Average	5,869.34
Relative Strength Index (RSI)	69.17
Average Volume (20 Days)	104,247

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 4.68 billion and earned 336.63 million in profits. Earnings per share was 12.96.

Revenue	4.68B
Gross Profit	856.38M
Operating Income	534.54M
Pretax Income	494.39M
Net Income	336.63M
EBITDA	560.47M
EBIT	534.54M
Earnings Per Share (EPS)	12.96

Balance Sheet

The company has 596.43 million in cash and 713.08 million in debt, giving a net cash position of -116.65 million or -4.28 per share.

Cash & Cash Equivalents	596.43M
Total Debt	713.08M
Net Cash	-116.65M
Net Cash Per Share	-4.28
Equity (Book Value)	1.46B
Book Value Per Share	56.75
Working Capital	4.86B

Cash Flow

In the last 12 months, operating cash flow was 322.35 million and capital expenditures -9.42 million, giving a free cash flow of 312.93 million.

Operating Cash Flow	322.35M
Capital Expenditures	-9.42M
Free Cash Flow	312.93M
FCF Per Share	11.49

Margins

Gross margin is 18.31%, with operating and profit margins of 11.43% and 7.20%.

Gross Margin	18.31%
Operating Margin	11.43%
Pretax Margin	10.57%
Profit Margin	7.20%
EBITDA Margin	11.99%
EBIT Margin	11.43%
FCF Margin	6.69%

Dividends & Yields

This stock pays an annual dividend of 4.81, which amounts to a dividend yield of 5.10%.

Dividend Per Share	4.81
Dividend Yield	5.10%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	1
Payout Ratio	49.02%
Buyback Yield	3.81%
Shareholder Yield	8.92%
Earnings Yield	13.12%
FCF Yield	12.20%

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