Ayalon Holdings Ltd. (IL:AYAL)
TASE:AYAL
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Ayalon Hold.
(TASE:AYAL)
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Rating:72Outperform
Price Target:
17,316.00
▲(99.03% Upside)
Action:ReiteratedDate:04/05/26
The score is driven primarily by attractive valuation (very low P/E and solid dividend yield) and improved financial performance (strong 2025 rebound and better leverage). Offsetting factors are the historical volatility in profitability/cash flow and only moderately supportive technical signals.
Positive Factors
Revenue & Profit Rebound
A clear revenue surge and net margin near 7.7% in 2025 signal a meaningful recovery in core underwriting and/or investment performance. Improved profitability builds retained earnings, strengthens statutory capital for an insurer, and creates durable capacity to fund claims, dividends, and strategic reinvestment if trends persist.
Negative Factors
Historic Profitability Volatility
Prior losses in 2020–2021 and intermittent weak results show the business has material cyclicality. For an insurer, volatile underwriting or investment outcomes reduce predictability of earnings and capital, complicate pricing and reserve planning, and increase the chance of capital actions during adverse cycles.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue & Profit Rebound
A clear revenue surge and net margin near 7.7% in 2025 signal a meaningful recovery in core underwriting and/or investment performance. Improved profitability builds retained earnings, strengthens statutory capital for an insurer, and creates durable capacity to fund claims, dividends, and strategic reinvestment if trends persist.
Read all positive factors
Ayalon Hold. (AYAL) vs. iShares MSCI Israel ETF (EIS)
Market Cap
₪4.25B
Dividend Yield6.25%
Average Volume (3M)58.67K
Price to Earnings (P/E)5.3
Beta (1Y)1.23
Revenue GrowthN/A
EPS GrowthN/A
CountryIL
Employees1,393
SectorReal Estate
Sector Strength53
IndustryInsurance - Diversified
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
Ayalon Hold. Business Overview & Revenue Model
Company Description
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 medi...
How the Company Makes Money
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Ayalon Hold. Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
67
Positive
Cash Flow
61
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 5.54B | 4.37B | 3.66B | 2.35B | 3.15B |
| Gross Profit | 5.54B | 3.87B | 3.19B | 1.90B | 2.73B |
| EBITDA | 777.74M | 389.55M | 283.39M | 312.60M | 1.62M |
| Net Income | 426.07M | 144.41M | 84.91M | 166.68M | -114.09M |
Balance Sheet | |||||
| Total Assets | 20.07B | 19.07B | 15.94B | 15.58B | 16.02B |
| Cash, Cash Equivalents and Short-Term Investments | 2.71B | 3.60B | 410.07M | 3.23B | 3.08B |
| Total Debt | 690.27M | 734.34M | 697.08M | 732.66M | 793.57M |
| Total Liabilities | 18.55B | 18.09B | 15.24B | 14.94B | 15.34B |
| Stockholders Equity | 1.52B | 971.34M | 703.49M | 638.27M | 679.24M |
Cash Flow | |||||
| Free Cash Flow | 187.87M | 81.33M | -70.05M | 227.81M | -389.21M |
| Operating Cash Flow | 309.67M | 208.64M | -65.06M | 335.35M | -306.02M |
| Investing Cash Flow | -117.58M | -122.87M | -104.22M | -5.44M | -82.55M |
| Financing Cash Flow | -54.50M | -49.60M | -8.96M | -66.42M | 143.92M |
Ayalon Hold. Technical Analysis
Positive
8700.00
Price Trends
13534.00
Positive
11519.74
Positive
9000.16
Positive
Market Momentum
751.66
Negative
61.85
Neutral
71.12
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IL:AYAL, the sentiment is Positive. The current price of 8700 is below the 20-day moving average (MA) of 14574.50, below the 50-day MA of 13534.00, and below the 200-day MA of 9000.16, indicating a bullish trend. The MACD of 751.66 indicates Negative momentum. The RSI at 61.85 is Neutral, neither overbought nor oversold. The STOCH value of 71.12 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 |
|---|---|---|---|---|---|---|---|
75 Outperform | ₪30.37B | 9.62 | ― | 2.61% | 28.53% | 118.04% | |
72 Outperform | ₪4.25B | 5.26 | ― | 6.25% | ― | ― | |
67 Neutral | ₪20.81B | 7.20 | ― | 1.67% | -40.68% | 214.21% | |
66 Neutral | ₪37.73B | 12.54 | 23.23% | 2.21% | 12.85% | 216.23% | |
65 Neutral | $2.17B | 12.19 | 3.79% | 4.94% | 3.15% | 1.96% | |
65 Neutral | ₪45.01B | 10.31 | ― | 4.19% | 9.67% | 79.86% | |
65 Neutral | ₪3.39B | 9.99 | ― | 5.98% | 14.93% | 38.41% |
* Real Estate Sector Average
IL:AYAL
Ayalon Hold.
15,300.00
10,650.02
229.03%
IL:CLIS
Clal Insurance
25,510.00
15,921.29
166.04%
IL:HARL
Harel
18,300.00
12,540.29
217.72%
IL:PHOE
Phoenix
17,730.00
10,872.10
158.53%
IL:MMHD
Menora Miv Hld
48,110.00
28,958.93
151.21%
IL:IDIN
Idi Insur
22,770.00
6,833.95
42.88%
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.