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Ayalon Hold.
(TASE:AYAL)
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Rating:74Outperform
Price Target:
21,157.00
▲(43.83% Upside)
Action:Reiterated
Date:08/24/26
Overall score is supported by strong technical momentum and attractive valuation (low P/E and solid dividend yield). The main offset is fundamentals: while profitability and leverage trends are favorable, the TTM negative operating and free cash flow meaningfully weaken the financial performance assessment.
Positive Factors
Improved revenue scale and profitability rebound
Revenue has reached 7.1B TTM and net income has improved from the 2021 loss period, showing a meaningful recovery in operating scale. That rebound gives Ayalon a stronger earnings base and supports resilience over the next several quarters, even though results remain cyclical.
Negative Factors
Negative operating and free cash flow
TTM operating cash flow is negative 175M and free cash flow negative 251M, after positive levels in 2024–2025. This weak cash conversion means reported earnings are not currently translating into liquidity, potentially increasing reliance on balance-sheet resources or financing.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved revenue scale and profitability rebound
Revenue has reached 7.1B TTM and net income has improved from the 2021 loss period, showing a meaningful recovery in operating scale. That rebound gives Ayalon a stronger earnings base and supports resilience over the next several quarters, even though results remain cyclical.
Read all positive factors
Ayalon Hold. (AYAL) vs. iShares MSCI Israel ETF (EIS)
Market Cap
₪5.36B
Dividend Yield2.48%
Average Volume (3M)82.22K
Price to Earnings (P/E)11.3
Beta (1Y)1.55
Revenue GrowthN/A
EPS GrowthN/A
CountryIL
Employees1,369
SectorGeneral
Sector StrengthN/A
IndustryInsurance - Diversified
Share Statistics
EPS (TTM)16.70
Shares Outstanding28,372,177
10 Day Avg. Volume77,263
30 Day Avg. Volume82,223
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
73
Positive
Balance Sheet
70
Positive
Cash Flow
42
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 7.08B | 5.54B | 4.37B | 3.66B | 2.35B | 3.15B |
| Gross Profit | 6.19B | 5.54B | 3.87B | 3.19B | 1.90B | 2.73B |
| EBITDA | 675.65M | 777.74M | 389.55M | 283.39M | 312.60M | 1.62M |
| Net Income | 442.45M | 426.07M | 144.41M | 84.91M | 166.68M | -114.09M |
Balance Sheet | ||||||
| Total Assets | 24.25B | 20.07B | 19.07B | 15.94B | 15.58B | 16.02B |
| Cash, Cash Equivalents and Short-Term Investments | 1.03B | 2.71B | 3.60B | 410.07M | 3.23B | 3.08B |
| Total Debt | 1.03B | 690.27M | 734.34M | 697.08M | 732.66M | 793.57M |
| Total Liabilities | 22.46B | 18.55B | 18.09B | 15.24B | 14.94B | 15.34B |
| Stockholders Equity | 1.79B | 1.52B | 971.34M | 703.49M | 638.27M | 679.24M |
Cash Flow | ||||||
| Free Cash Flow | -251.01M | 187.87M | 81.33M | -70.05M | 227.81M | -389.21M |
| Operating Cash Flow | -174.68M | 309.67M | 208.64M | -65.06M | 335.35M | -306.02M |
| Investing Cash Flow | -103.25M | -117.58M | -122.87M | -104.22M | -5.44M | -82.55M |
| Financing Cash Flow | 391.05M | -54.50M | -49.60M | -8.96M | -66.42M | 143.92M |
Ayalon Hold. Technical Analysis
Positive
14710.00
Price Trends
16260.85
Positive
15649.76
Positive
13792.45
Positive
Market Momentum
925.05
Positive
58.18
Neutral
65.72
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 below the 20-day moving average (MA) of 18649.00, below the 50-day MA of 16260.85, and above the 200-day MA of 13792.45, indicating a bullish trend. The MACD of 925.05 indicates Positive momentum. The RSI at 58.18 is Neutral, neither overbought nor oversold. The STOCH value of 65.72 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 |
|---|---|---|---|---|---|---|---|
80 Outperform | ₪3.64B | 9.85 | ― | 7.70% | 3.98% | 14.95% | |
75 Outperform | ₪45.74B | 13.78 | ― | 3.05% | 10.88% | 24.40% | |
75 Outperform | ₪32.28B | 12.89 | ― | 3.10% | 18.14% | 49.80% | |
74 Outperform | ₪5.36B | 11.31 | ― | 2.48% | ― | ― | |
71 Outperform | ₪40.78B | 12.44 | 23.23% | 3.51% | 14.74% | 70.44% | |
64 Neutral | ₪23.55B | 9.79 | ― | 1.70% | -30.50% | 67.45% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IL:AYAL
Ayalon Hold.
18,890.00
12,476.63
194.54%
IL:CLIS
Clal Insurance
29,090.00
12,588.15
76.28%
IL:HARL
Harel
19,840.00
9,052.91
83.92%
IL:PHOE
Phoenix
18,110.00
6,016.23
49.75%
IL:MMHD
Menora Miv Hld
51,660.00
20,308.09
64.77%
IL:IDIN
Idi Insur
24,590.00
5,782.51
30.75%
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.