Ayalon Hold. (AYAL) AI Stock Analysis

• Market Cap: ₪3.80B
• Dividend Yield: 6.25%
• Average Volume (3M): 58.67K
• Price to Earnings (P/E): 3.6
• Beta (1Y): 1.19
• Revenue Growth: 22.57%
• EPS Growth: 73.32%
• Country: IL
• Employees: 1,393
• Sector: Real Estate
• Sector Strength: 53
• Industry: Insurance - Diversified
• EPS (TTM): 389.90
• Shares Outstanding: 27,234,426
• 10 Day Avg. Volume: 56,507
• 30 Day Avg. Volume: 58,672
• PEG Ratio: 0.03
• Price to Book (P/B): 1.47
• Price to Sales (P/S): 0.40
• P/FCF Ratio: 11.89
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 72 Outperform
• Price Target: 15,473.00 ▲(77.85% Upside)
• Action: Reiterated Date: 04/05/26
• Date: Action: Reiterated 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 rebound & margin expansion

A sharp revenue recovery and margin expansion in 2025 signal the business restored pricing, underwriting or product mix advantages. Persistently higher margins and top-line momentum strengthen the earnings base, supporting durable cash generation and capacity to fund dividends and reserves over the medium term.

Negative Factors

Historical profitability volatility

Prior multi-year losses and swings in results show the company’s earnings and capital can be cyclically sensitive. Such volatility complicates reserve planning, capital allocation and the predictability of dividends, making long-term forecasting and risk management more challenging for investors.

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...

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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...

Ayalon Hold. Financial Statement Overview

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	4.16B	5.54B	4.37B	3.66B	2.35B	3.15B
Gross Profit	4.16B	5.54B	3.87B	3.19B	1.90B	2.73B
EBITDA	781.83M	777.74M	389.55M	283.39M	312.60M	1.62M
Net Income	345.96M	426.07M	144.41M	84.91M	166.68M	-114.09M
Balance Sheet
Total Assets	18.90B	20.07B	19.07B	15.94B	15.58B	16.02B
Cash, Cash Equivalents and Short-Term Investments	942.60M	2.71B	3.60B	410.07M	3.23B	3.08B
Total Debt	709.24M	690.27M	734.34M	697.08M	732.66M	793.57M
Total Liabilities	17.44B	18.55B	18.09B	15.24B	14.94B	15.34B
Stockholders Equity	1.46B	1.52B	971.34M	703.49M	638.27M	679.24M
Cash Flow
Free Cash Flow	190.44M	187.87M	81.33M	-70.05M	227.81M	-389.21M
Operating Cash Flow	322.35M	309.67M	208.64M	-65.06M	335.35M	-306.02M
Investing Cash Flow	-127.68M	-117.58M	-122.87M	-104.22M	-5.44M	-82.55M
Financing Cash Flow	-44.87M	-54.50M	-49.60M	-8.96M	-66.42M	143.92M

Ayalon Hold. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 8700.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: 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 14201.50, below the 50-day MA of 12507.52, and above the 200-day MA of 8585.65, indicating a neutral trend. The MACD of 204.08 indicates Positive momentum. The RSI at 53.51 is Neutral, neither overbought nor oversold. The STOCH value of 38.73 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
AYAL	72 Outperform	₪3.80B	3.64	―	6.25%	22.57%	73.32%
MMHD	71 Outperform	₪27.98B	8.61	―	2.61%	23.28%	124.99%
CLIS	67 Neutral	₪17.31B	7.20	―	1.67%	-27.87%	229.49%
HARL	66 Neutral	₪34.68B	11.54	23.23%	2.21%	5.84%	138.80%
Sector *	65 Neutral	$2.17B	12.19	3.79%	4.94%	3.15%	1.96%
PHOE	65 Neutral	₪41.27B	10.31	―	4.19%	12.22%	71.58%
IDIN	65 Neutral	₪3.26B	9.99	―	5.98%	19.48%	53.61%