Ayalon Holdings Ltd. (IL:AYAL)
TASE:AYAL
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AYAL Stock Chart & Stats
8700.00
-1.34(-3.64%)
At close: 4:00 PM EST
8700.00
-1.34(-3.64%)
Day’s Range― - ―
52-Week Range4,497.55 - 17,500.00
Previous CloseN/A
Volume18.88K
Average Volume (3M)58.67K
Market Cap
₪4.17B
Enterprise Value4.09B
Total Cash (Recent Filing)₪2.71B
Total Debt (Recent Filing)₪690.27M
Price to Earnings (P/E)5.2
Beta1.23
Next Earnings
May 21, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield6.25%
Share Statistics
EPS (TTM)389.90
Shares Outstanding27,234,426
10 Day Avg. Volume56,507
30 Day Avg. Volume58,672
Financial Highlights & Ratios
PEG Ratio0.03
Price to Book (P/B)1.47
Price to Sales (P/S)0.40
P/FCF Ratio11.89
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Revenue ReboundThe company delivered a clear top-line recovery with a sharp 2025 revenue jump. A durable rise in revenue increases underwriting scale and diversification, improving the firm's ability to absorb volatility and invest in reserves or growth over the next several quarters.
Improved MarginsMaterial margin improvement to approximately 7.7% indicates better underwriting economics or a higher-margin revenue mix. Sustained margin expansion would generate internally available capital, support dividend capacity, and reduce sensitivity to underwriting or investment shocks.
Strengthening Balance SheetDebt/equity falling to ~0.45 alongside a high ROE (~28%) signals improved capital adequacy and efficient equity use. Lower leverage reduces solvency risk for an insurer and increases flexibility to underwrite, pay claims, and return capital without immediate market funding.
Bears Say
Historic Profit VolatilityPast swings into losses in 2020–2021 show earnings are cyclical and can reverse quickly. For an insurer, volatile profitability complicates reserve planning and capital management, increasing the chance that current improvements could erode under adverse underwriting or market conditions.
Variable Cash Flow ConversionFree cash flow has recently been positive but uneven, and 2025 FCF fell versus 2024. Inconsistent conversion of earnings to cash limits the firm's ability to reliably fund claims, reserves, and dividends from operations, raising reliance on external funding in stress periods.
History Of Higher Leverage In StressThe capital structure proved more leveraged (>1.1) during 2021–2022, illustrating sensitivity to adverse cycles. This structural risk means that without consistently strong earnings, leverage and solvency metrics can deteriorate, affecting ratings and long-term underwriting capacity.
Ayalon Hold. News
AYAL FAQ
What was Ayalon Holdings Ltd.’s price range in the past 12 months?
Ayalon Holdings Ltd. lowest stock price was 4497.55 and its highest was 17500.00 in the past 12 months.
What is Ayalon Holdings Ltd.’s market cap?
Ayalon Holdings Ltd.’s market cap is ₪4.17B.
When is Ayalon Holdings Ltd.’s upcoming earnings report date?
Ayalon Holdings Ltd.’s upcoming earnings report date is May 21, 2026 which is in 21 days.
How were Ayalon Holdings Ltd.’s earnings last quarter?
Ayalon Holdings Ltd. released its earnings results on Mar 30, 2026. The company reported 389.9 earnings per share for the quarter, beating the consensus estimate of N/A by 389.9.
Is Ayalon Holdings Ltd. overvalued?
According to Wall Street analysts Ayalon Holdings Ltd.’s price is currently Overvalued.
Does Ayalon Holdings Ltd. pay dividends?
Ayalon Holdings Ltd. pays a Quarterly dividend of 183.591 which represents an annual dividend yield of 6.25%. See more information on Ayalon Holdings Ltd. dividends here
What is Ayalon Holdings Ltd.’s EPS estimate?
Ayalon Holdings Ltd.’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Ayalon Holdings Ltd. have?
Ayalon Holdings Ltd. has 27,234,426 shares outstanding.
What happened to Ayalon Holdings Ltd.’s price movement after its last earnings report?
Ayalon Holdings Ltd. reported an EPS of 389.9 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -2.899%.
Which hedge fund is a major shareholder of Ayalon Holdings Ltd.?
Currently, no hedge funds are holding shares in IL:AYAL
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
Ayalon Holdings Ltd.
Ayalon Insurance Company Ltd, through its subsidiaries, provides various insurance products in Israel. It offers health insurance products, including nursing, medical expenses, surgeries and transplants, dental, personal accident, travel, and medical insurance for foreign workers; house certificates; and third party and employer, property, vehicle, and professional liability insurance products. The company also provides savings, pension, and provident fund products. In addition, it offers car, home, critical illness, life, mortgage, business, directors and officers, engineering, and agricultural insurance products, as well as reverse mortgages, and insurance products for collectives and organizations. The company serves its customers through a network of agents and agencies. Ayalon Insurance Company Ltd was formerly known as Ayalon Holdings Ltd and changed its name to Ayalon Insurance Company Ltd in July 2022. The company was founded in 1976 and is based in Ramat Gan, Israel. Ayalon Insurance Company Ltd is a subsidiary of Wesure Global Tech Ltd.