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Ayalon Hold.
(TASE:AYAL)
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Rating:73Outperform
Price Target:
16,781.00
▲(14.08% 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 Improvement
Reaccelerating revenue and materially higher margins indicate stronger operating performance and earnings capacity. If sustained, this can improve internal capital generation and provide a more durable foundation for growth.
Negative Factors
Sharp Free Cash Flow Decline
The steep fall in free cash flow indicates that reported earnings are currently converting weakly into available cash. Persistent weak conversion could constrain dividends, reinvestment, and the company’s ability to absorb operational stress.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and Margin Improvement
Reaccelerating revenue and materially higher margins indicate stronger operating performance and earnings capacity. If sustained, this can improve internal capital generation and provide a more durable foundation for growth.
Read all positive factors
Ayalon Hold. (AYAL) vs. iShares MSCI Israel ETF (EIS)
Market Cap
₪4.30B
Dividend Yield3.94%
Average Volume (3M)58.67K
Price to Earnings (P/E)8.6
Beta (1Y)1.46
Revenue GrowthN/A
EPS GrowthN/A
CountryIL
Employees1,369
SectorGeneral
Sector StrengthN/A
IndustryInsurance - Diversified
Share Statistics
EPS (TTM)17.53
Shares Outstanding28,372,177
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 | -5.35M | 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
Positive
14710.00
Price Trends
14070.40
Positive
14959.28
Positive
12591.00
Positive
Market Momentum
305.92
Negative
58.29
Neutral
63.16
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 14710 is above the 20-day moving average (MA) of 14551.50, above the 50-day MA of 14070.40, and above the 200-day MA of 12591.00, indicating a bullish trend. The MACD of 305.92 indicates Negative momentum. The RSI at 58.29 is Neutral, neither overbought nor oversold. The STOCH value of 63.16 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 (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | ₪28.59B | 11.70 | ― | 3.29% | 43.27% | 99.24% | |
73 Outperform | ₪4.30B | 8.65 | ― | 3.89% | ― | ― | |
71 Outperform | ₪3.45B | 9.43 | ― | 7.08% | 9.90% | 22.54% | |
66 Neutral | ₪18.55B | 7.89 | ― | 2.07% | -30.11% | 110.97% | |
66 Neutral | ₪43.19B | 12.82 | ― | 3.14% | 28.82% | 58.47% | |
65 Neutral | ₪35.24B | 11.58 | 23.23% | 3.92% | 28.54% | 147.51% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IL:AYAL
Ayalon Hold.
15,050.00
9,280.26
160.84%
IL:CLIS
Clal Insurance
23,100.00
7,323.29
46.42%
IL:HARL
Harel
17,230.00
7,176.65
71.39%
IL:PHOE
Phoenix
17,210.00
6,076.05
54.57%
IL:MMHD
Menora Miv Hld
46,570.00
16,774.09
56.30%
IL:IDIN
Idi Insur
23,090.00
4,590.48
24.81%
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.