Ayalon Insurance Company Ltd (TLV:AYAL)

Ayalon Insurance Company Statistics

Total Valuation

TLV:AYAL has a market cap or net worth of ILS 4.48 billion. The enterprise value is 4.69 billion.

Market Cap	4.48B
Enterprise Value	4.69B

Important Dates

The next estimated earnings date is Friday, June 5, 2026.

Earnings Date	Jun 5, 2026
Ex-Dividend Date	Jun 8, 2026

Share Statistics

TLV:AYAL has 27.38 million shares outstanding. The number of shares has increased by 3.94% in one year.

Current Share Class	27.38M
Shares Outstanding	27.38M
Shares Change (YoY)	+3.94%
Shares Change (QoQ)	-4.62%
Owned by Insiders (%)	0.19%
Owned by Institutions (%)	8.31%
Float	8.32M

Valuation Ratios

The trailing PE ratio is 9.94.

PE Ratio	9.94
Forward PE	n/a
PS Ratio	0.70
PB Ratio	2.79
P/TBV Ratio	3.68
P/FCF Ratio	62.58
P/OCF Ratio	55.10
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 6.35, with an EV/FCF ratio of 65.57.

EV / Earnings	10.40
EV / Sales	0.73
EV / EBITDA	6.35
EV / EBIT	6.54
EV / FCF	65.57

Financial Position

The company has a current ratio of 66.99, with a Debt / Equity ratio of 0.44.

Current Ratio	66.99
Quick Ratio	14.18
Debt / Equity	0.44
Debt / EBITDA	0.97
Debt / FCF	9.94
Interest Coverage	14.55

Financial Efficiency

Return on equity (ROE) is 33.10% and return on invested capital (ROIC) is 21.54%.

Return on Equity (ROE)	33.10%
Return on Assets (ROA)	2.30%
Return on Invested Capital (ROIC)	21.54%
Return on Capital Employed (ROCE)	3.32%
Weighted Average Cost of Capital (WACC)	5.43%
Revenue Per Employee	4.69M
Profits Per Employee	329,322
Employee Count	1,369
Asset Turnover	0.33
Inventory Turnover	n/a

Taxes

In the past 12 months, TLV:AYAL has paid 206.73 million in taxes.

Income Tax	206.73M
Effective Tax Rate	31.44%

Stock Price Statistics

The stock price has increased by +193.17% 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	+193.17%
50-Day Moving Average	15,844.80
200-Day Moving Average	10,694.46
Relative Strength Index (RSI)	45.86
Average Volume (20 Days)	193,476

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 6.42 billion and earned 450.84 million in profits. Earnings per share was 16.46.

Revenue	6.42B
Gross Profit	821.93M
Operating Income	712.57M
Pretax Income	657.62M
Net Income	450.84M
EBITDA	726.62M
EBIT	712.57M
Earnings Per Share (EPS)	16.46

Balance Sheet

The company has 499.04 million in cash and 711.34 million in debt, with a net cash position of -212.30 million or -7.75 per share.

Cash & Cash Equivalents	499.04M
Total Debt	711.34M
Net Cash	-212.30M
Net Cash Per Share	-7.75
Equity (Book Value)	1.60B
Book Value Per Share	58.79
Working Capital	4.90B

Cash Flow

In the last 12 months, operating cash flow was 81.24 million and capital expenditures -9.72 million, giving a free cash flow of 71.53 million.

Operating Cash Flow	81.24M
Capital Expenditures	-9.72M
Depreciation & Amortization	n/a
Net Borrowing	-28.23M
Free Cash Flow	71.53M
FCF Per Share	2.61

Margins

Gross margin is 12.80%, with operating and profit margins of 11.10% and 7.02%.

Gross Margin	12.80%
Operating Margin	11.10%
Pretax Margin	10.24%
Profit Margin	7.02%
EBITDA Margin	11.32%
EBIT Margin	11.10%
FCF Margin	1.11%

Dividends & Yields

This stock pays an annual dividend of 4.84, which amounts to a dividend yield of 2.96%.

Dividend Per Share	4.84
Dividend Yield	2.96%
Dividend Growth (YoY)	-55.65%
Years of Dividend Growth	2
Payout Ratio	34.38%
Buyback Yield	-3.94%
Shareholder Yield	-0.99%
Earnings Yield	10.07%
FCF Yield	1.60%

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