Ayalon Holdings Ltd. (IL:AYAL)
TASE:AYAL
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Ayalon Hold.
(TASE:AYAL)
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Rating:73Outperform
Price Target:
15,554.00
▲(78.78% Upside)
Action:Reiterated
Date:05/30/26
The score is driven by improved profitability and balance sheet leverage, supported by a strong uptrend and attractive P/E with a solid dividend yield. The main offset is weak and volatile cash flow, including a sharp TTM free cash flow decline.
Positive Factors
Revenue and margin recovery
Sustained revenue re-acceleration and materially higher net margins versus 2023 indicate improving core underwriting and/or investment returns. This strengthens the earnings base, supports reinvestment and reserve funding, and makes profitability more durable over the next several quarters.
Negative Factors
Weak cash generation TTM
A severe decline in operating and free cash flow reduces internal funding for claims, reserves, capex and strategic initiatives. Persistent weak cash conversion constrains flexibility, increases reliance on external funding, and can limit durable capital returns or investments.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and margin recovery
Sustained revenue re-acceleration and materially higher net margins versus 2023 indicate improving core underwriting and/or investment returns. This strengthens the earnings base, supports reinvestment and reserve funding, and makes profitability more durable over the next several quarters.
Read all positive factors
Ayalon Hold. (AYAL) vs. iShares MSCI Israel ETF (EIS)
Market Cap
₪3.88B
Dividend Yield6.25%
Average Volume (3M)58.67K
Price to Earnings (P/E)8.4
Beta (1Y)1.42
Revenue GrowthN/A
EPS GrowthN/A
CountryIL
Employees1,393
SectorReal Estate
Sector Strength53
IndustryInsurance - Diversified
Share Statistics
EPS (TTM)17.53
Shares Outstanding27,792,427
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
Ayalon Hold. Business Overview & Revenue Model
Company Description
Operating through its subsidiaries in Israel, Ayalon Insurance Company Ltd offers a comprehensive range of insurance products. Their health coverage extends to nursing care, medical expenses, surgical procedures and organ transplants, dental servi...
How the Company Makes Money
null...
Ayalon Hold. Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
68
Positive
Cash Flow
45
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 6.15B | 5.54B | 4.37B | 3.66B | 2.35B | 3.15B |
| Gross Profit | 6.15B | 5.54B | 3.87B | 3.19B | 1.90B | 2.73B |
| EBITDA | 755.89M | 777.74M | 389.55M | 283.39M | 312.60M | 1.62M |
| Net Income | 450.84M | 426.07M | 144.41M | 84.91M | 166.68M | -114.09M |
Balance Sheet | ||||||
| Total Assets | 21.51B | 20.07B | 19.07B | 15.94B | 15.58B | 16.02B |
| Cash, Cash Equivalents and Short-Term Investments | 812.48M | 2.71B | 3.60B | 410.07M | 3.23B | 3.08B |
| Total Debt | 688.64M | 690.27M | 734.34M | 697.08M | 732.66M | 793.57M |
| Total Liabilities | 19.91B | 18.55B | 18.09B | 15.24B | 14.94B | 15.34B |
| Stockholders Equity | 1.60B | 1.52B | 971.34M | 703.49M | 638.27M | 679.24M |
Cash Flow | ||||||
| Free Cash Flow | 5.08M | 187.87M | 81.33M | -70.05M | 227.81M | -389.21M |
| Operating Cash Flow | 93.85M | 309.67M | 208.64M | -65.06M | 335.35M | -306.02M |
| Investing Cash Flow | -94.98M | -117.58M | -122.87M | -104.22M | -5.44M | -82.55M |
| Financing Cash Flow | -34.00M | -54.50M | -49.60M | -8.96M | -66.42M | 143.92M |
Ayalon Hold. Technical Analysis
Negative
8700.00
Price Trends
16139.58
Negative
14198.76
Negative
11052.77
Positive
Market Momentum
-455.65
Positive
33.53
Neutral
8.26
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IL:AYAL, the sentiment is Negative. The current price of 8700 is below the 20-day moving average (MA) of 16369.89, below the 50-day MA of 16139.58, and below the 200-day MA of 11052.77, indicating a neutral trend. The MACD of -455.65 indicates Positive momentum. The RSI at 33.53 is Neutral, neither overbought nor oversold. The STOCH value of 8.26 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IL:AYAL.
Ayalon Hold. Peers Comparison
UnderperformOutperform
Sector (65)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | ₪28.29B | 11.52 | ― | 2.61% | 43.27% | 99.24% | |
73 Outperform | ₪3.88B | 8.43 | ― | 6.25% | ― | ― | |
71 Outperform | ₪3.22B | 8.81 | ― | 5.98% | 9.90% | 22.54% | |
66 Neutral | ₪19.21B | 8.24 | ― | 1.67% | -30.11% | 110.97% | |
66 Neutral | ₪42.53B | 12.62 | ― | 4.19% | 28.82% | 58.47% | |
65 Neutral | $2.17B | 12.19 | 3.79% | 4.94% | 3.15% | 1.96% | |
65 Neutral | ₪33.41B | 10.99 | 23.23% | 2.21% | 28.54% | 147.51% |
* Real Estate Sector Average
IL:AYAL
Ayalon Hold.
14,000.00
8,487.26
153.96%
IL:CLIS
Clal Insurance
22,690.00
9,559.07
72.80%
IL:HARL
Harel
16,000.00
7,885.28
97.17%
IL:PHOE
Phoenix
16,310.00
7,697.31
89.37%
IL:MMHD
Menora Miv Hld
43,540.00
20,420.00
88.32%
IL:IDIN
Idi Insur
21,450.00
3,024.37
16.41%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.