Ayalon Holdings Ltd. (IL:AYAL)
TASE:AYAL
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Ayalon Hold.
(TASE:AYAL)
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Rating:74Outperform
Price Target:
19,376.00
▲(122.71% Upside)
Action:Reiterated
Date:05/08/26
The score is driven primarily by improved financial performance (notably stronger 2025 profitability and improving leverage), supported by bullish technical trend signals. Valuation is a significant positive due to the low P/E and healthy dividend yield, while the main offset is historical volatility in profitability and cash flow.
Positive Factors
Improving leverage and balance-sheet quality
A materially lower debt-to-equity ratio and a growing equity base increase an insurer's resilience to underwriting losses and market shocks. Sustained lower leverage improves capital flexibility for reserves, dividend policy and regulatory headroom, supporting durable financial stability.
Negative Factors
Multi-year volatility in profitability
Meaningful profit swings and prior years of losses reduce confidence in consistent earnings power. For an insurer, volatility complicates reserve planning, capital buffers and strategic investment, increasing the probability of corrective actions in weaker cycles.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving leverage and balance-sheet quality
A materially lower debt-to-equity ratio and a growing equity base increase an insurer's resilience to underwriting losses and market shocks. Sustained lower leverage improves capital flexibility for reserves, dividend policy and regulatory headroom, supporting durable financial stability.
Read all positive factors
Ayalon Hold. (AYAL) vs. iShares MSCI Israel ETF (EIS)
Market Cap
₪4.56B
Dividend Yield6.25%
Average Volume (3M)58.67K
Price to Earnings (P/E)5.3
Beta (1Y)1.24
Revenue GrowthN/A
EPS GrowthN/A
CountryIL
Employees1,393
SectorReal Estate
Sector Strength53
IndustryInsurance - Diversified
Share Statistics
EPS (TTM)16.81
Shares Outstanding27,379,427
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
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
15426.40
Positive
12946.04
Positive
10104.01
Positive
Market Momentum
605.77
Positive
58.73
Neutral
38.81
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 16532.00, below the 50-day MA of 15426.40, and below the 200-day MA of 10104.01, indicating a bullish trend. The MACD of 605.77 indicates Positive momentum. The RSI at 58.73 is Neutral, neither overbought nor oversold. The STOCH value of 38.81 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 | ₪32.66B | 9.62 | ― | 2.61% | 28.53% | 118.04% | |
74 Outperform | ₪4.56B | 5.26 | ― | 6.25% | ― | ― | |
72 Outperform | ₪21.82B | 5.56 | ― | 1.67% | -40.68% | 214.21% | |
66 Neutral | ₪38.42B | 12.77 | 23.23% | 2.21% | 12.85% | 216.23% | |
65 Neutral | $2.17B | 12.19 | 3.79% | 4.94% | 3.15% | 1.96% | |
65 Neutral | ₪46.27B | 9.28 | ― | 4.19% | 9.67% | 79.86% | |
65 Neutral | ₪3.18B | 10.02 | ― | 5.98% | 14.93% | 38.41% |
* Real Estate Sector Average
IL:AYAL
Ayalon Hold.
17,210.00
12,383.13
256.55%
IL:CLIS
Clal Insurance
27,320.00
17,854.98
188.64%
IL:HARL
Harel
18,950.00
12,907.53
213.61%
IL:PHOE
Phoenix
18,650.00
11,441.44
158.72%
IL:MMHD
Menora Miv Hld
52,670.00
34,674.93
192.69%
IL:IDIN
Idi Insur
22,200.00
5,829.24
35.61%
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.