Ayalon Insurance Company (AYAL) Fair Value & Analysis
Financial Services · Il · Market cap 3.8B ILA
Fair value as of: Jul 18, 2026
From 6 valuation models · updated 22 days ago
Fair value updated Jul 18, 2026, revised from 202.30 ILA to 195.22 ILA (−3.5%) since Jun 26, 2026. Share price +10.0% over the past month.
Below-average quality, screening 47% undervalued on our models.
What matters now
- The price is below even our cautious bear case (146.42 ILA). The market is more pessimistic than our downside scenario.
- Solid quality (48/100) at a price below fair value, the discount is the argument here, not the business quality.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 18, 2026.
How to read this chart
60‑month range 9.66 ILA – 168.70 ILA · fair‑value band 146.42 ILA – 244.03 ILA · the 132.80 ILA price screens below the 195.22 ILA fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 18, 2026.
Analysis
Ayalon Insurance Company (AYAL) currently trades at 132.80 ILA, while our model-based Fair Value estimate is 195.22 ILA, implying the stock looks roughly 47.0% undervalued today. The Quality Score stands at 48/100 (below-average quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, Ayalon Insurance Company generated revenue of 6.4B ILA at a net margin of 7.0%. Revenue grew 5.7% year over year. It earns a return on equity of 33.1%. The balance sheet holds a net cash position of 156M ILA. Fundamentals as of Jul 18, 2026
Our scenario range runs from 146.42 ILA (bear case) to 244.03 ILA (bull case); at 132.80 ILA, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. For context, the median of 10 Financial Services peers we cover trades at -12% fair-value upside, at 47%, AYAL screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 6 models by family
Widest divergence: Dividend Discount (141.26 ILA) versus Asset-Based (35.88 ILA). Highest evidence: Residual Income (76).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 18, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 40 · Market factors (momentum, volatility) 76
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Ayalon Insurance Company Ltd, through its subsidiaries, provides various insurance products in Israel. It offers life insurance and long-term savings plans, such as pension savings insurance funds and savings policies; and general insurance cover products, including property, liability, marine, and third-party liability insurance, as well as medical …
Full company description
Ayalon Insurance Company Ltd, through its subsidiaries, provides various insurance products in Israel. It offers life insurance and long-term savings plans, such as pension savings insurance funds and savings policies; and general insurance cover products, including property, liability, marine, and third-party liability insurance, as well as medical expense, motor property insurance, property and third-party motor insurance, and property auto insurance. The company also provides health insurance products, including critical illness, nursing care, dental, personal accident, and medical insurance for foreign workers, and employer's, third-party, professional, directors and officers, and product liability insurance. In addition, it offers fire, engineering, and contractor works insurance; contractors' insurance; comprehensive insurance for businesses and offices; mechanical engineering equipment insurance; personal accident; mechanical breakdown, electronic equipment, and agricultural insurance; comprehensive insurance for apartments, including building insurance; cargo insurance in transportation, including marine, land, and water; vessel insurance; business; and cyber damage insurance. In addition, it is involved in transplants and special treatments; surgeries and alternative treatments; ambulatory coverage, including outpatient testing, consultation, and treatment; rapid diagnosis and advanced technology supplements; complementary medicine service letter; and child service letter. Ayalon Insurance Company Ltd was formerly known as Ayalon Holdings Ltd and changed its name to Ayalon Insurance Company Ltd in July 2022. The company was incorporated in 1976 and is based in Ramat Gan, Israel. Ayalon Insurance Company Ltd is a subsidiary of Wesure Global Tech Ltd.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Ayalon Insurance Company reported revenue of 5.5B ILA in FY2025 versus 3.1B ILA in FY2021, a compound +15.2%/yr. Reported net income was 426M ILA in FY2025.
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Peer Group
Insurance - Diversified · 84 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Insurance - Diversified median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Insurance - Diversified stocks, each showing price versus our Fair Value estimate (as of Jul 18, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Berkshire Hathaway Inc BRKB | 8,562 MXN | 10,844 MXN | +27% |
| Allianz SE ALV | €421.00 | €369.31 | -12% |
| Zurich Insurance Group ZURN | CHF 624.40 | CHF 619.80 | -1% |
| AXA SA AXAN | 888.28 MXN | 1,249 MXN | +41% |
| Assicurazioni Generali S.p.A G | €42.90 | €12.18 | -72% |
| Sun Life Financial Inc SLF | C$114.20 | C$87.83 | -23% |
| BB Seguridade Participações S.A BBSE3 | R$40.71 | R$60.39 | +48% |
| Tryg A/S TRYG | kr 154.00 | kr 116.45 | -24% |
| PT Sinar Mas Multiartha Tbk SMMA | 20,625 IDR | 4,176 IDR | -80% |
| Caixa Seguridade Participações S.A CXSE3 | R$21.77 | R$18.60 | -15% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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