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Data-driven stock valuation

Ayalon Holdings Ltd (AYAL) fair value: what the stock is really worth

As of Nov 5, 2026: fair value (intrinsic value) of Ayalon Holdings Ltd stock ILS 122, price ILS 145, that is 16.1% below the price, quality 39 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services Il · ISIN IL0002090152

AH Ayalon Holdings Ltd logo Broad data Nov 6, 2026

Ayalon Holdings Ltd

AYAL · TA
Expensive, weak quality

Our calculation puts a fair price 16% below what the stock costs today.

Broad data
Costs just 9.3 times its yearly profit.
Mixed Growth (revenue 5y +17.4 %/yr in ILS)
Thin margins · 6.8% net margin (TTM)
Mixed vs. peers (6/14)
Moderate moat 56/100 · thin data
Fair value 121.53 ILS · Overvalued (−16.1%)
Quality 39/100
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

198.00 ILS 10.50 ILS Fair Value 121.53 ILS Jun 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.

How to read this chart

60‑month range 10.50 ILS – 198.00 ILS · fair‑value band 77.14 ILS – 156.79 ILS · the 144.80 ILS price screens above the 121.53 ILS fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Nov 6, 2026.

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Company profile

Ayalon Insurance Company Ltd, through its subsidiaries, provides various insurance products in Israel.

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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.

Stock analysis

Ayalon Holdings Ltd (AYAL) currently trades at 144.80 ILS, while our model-based Fair Value estimate is 121.53 ILS, 16% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of 125.43 ILS per share, and 1 of the 6 models we run sit above the 144.80 ILS price.

Bear case: the Asset-Based group reads lowest at 26.63 ILS, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: 77.14 ILS (bear) to 156.79 ILS (bull), the price of 144.80 ILS sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 39/100 (below-average quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Ayalon Holdings Ltd reported revenue of 5.5B ILS in FY2025 versus 3.1B ILS in FY2021, a compound +15.2%/yr. Reported net income was 426M ILS in FY2025.

Key figures

Market cap 4.3B ILS Small · P/E ratio 9.3 · P/S ratio 0.66 · EPS (TTM) 15.60 ILS · Dividend yield 0.8% · Net margin 6.8% · Return on equity 29.0% · Return on assets (EBIT) 7.0% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 56 out of 100 (low confidence).

What moves the price

The share trades about 27% below its 52-week high and 99% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −31% fair-value upside, at −16%, AYAL screens cheaper than that median.

Fair Value models

Bear 77.14 ILS Fair Value 121.53 ILS Bull 156.79 ILS
Price 144.80 ILS · Downside -16.1%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (12.39 ILS per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income 77.14 ILS 97.47 ILS 155.01 ILS 74
Gordon GGM 69.52 ILS 121.53 ILS 163.11 ILS 68
DDM Multi-Stage 69.52 ILS 112.79 ILS 130.22 ILS 67
All 6 models by family
Dividend Discount
Gordon GGM 69.52 ILS 121.53 ILS 163.11 ILS 68
DDM Multi-Stage 69.52 ILS 112.79 ILS 130.22 ILS 67
Multiples
P/E Multiple 146.42 ILS 195.22 ILS 244.03 ILS 63
P/B Multiple 41.73 ILS 55.63 ILS 69.54 ILS 55
Asset-Based
NCAV (Graham) 19.87 ILS 26.63 ILS 39.74 ILS 54
Economic Profit
Residual Income 77.14 ILS 97.47 ILS 155.01 ILS 74

Open the full fair value analysis →

Quality Score breakdown

Overall quality 39/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 45
How much profit the company makes from its sales and capital
Quality Growth 87
Are margins and returns getting better?
Cashflow 29
Do the profits arrive as real cash?
Financial strength 14
Debt, balance sheet and risk of trouble
Investment 52
Does it invest with discipline instead of growing at any price?
Low Volatility 64
How calm the share price moves, does not count
Price momentum 62
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 80
Distance to the 52-week high, does not count
New shares 2
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 81/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+26.8%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+33.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+17.4%
Start year 2020 (pandemic). Over 10 years: +9.4% a year
Revenue growth 22 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.2%
What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+30.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+29.4%
Dividend (yield on the price)0.8%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.64.5% vs 17.7%, picking up
Profit margin 2019 to 2024 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.1% → 5%
2025 sits 192% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Pace: the 5-year rate starts in 2020 (pandemic)

AYAL screens overvalued: fair value 16% below the price. Compare with Allianz SE →

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Peer Groupⓘ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.Insurance - Diversified · 73 stocks

Beats the industry median on 6/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 39 · Bottom 25%
Fair Value upside −16.1% · Above median
Profitability
Return on equity (12 months) 29.0% · Top 25%
Return on assets 2.1% · Above median
Net margin (12 months) 6.8% · Below median
Operating margin (12 months) 12.2% · Below median
Growth and dividend
Revenue growth (quarter YoY) 4.8% · Below median
Dividend yield (12 months) 0.8% · Bottom 25%
Balance sheet
Debt / equity 0.44× · Above median

Valuation Multiplesvs Insurance - Diversified median · lower = cheaper

P/E (12 months) 9.3× · Cheaper than median
P/B 2.82× · Priciest 25%
P/S (12 months) 0.66× · Cheaper than median
Price / free cash flow (fiscal year) 22.8× · Priciest 25%
EV/EBITDA 5.8× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)12 · sector 11
FUTURE (revenue growth)24 · sector 38
PAST (return on equity)100 · sector 54
HEALTH (low debt)–
DIVIDEND (yield)15 · sector 73

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Insurance - Diversified stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Arch Capital Group ACGL $107.28 $133.22 +24% vs AYAL
American International Group AIG $77.75 $73.25 −6% vs AYAL
The Hartford Insurance Group HIG $133.99 $115.03 −14% vs AYAL
AXA SA CS €44.68 €35.31 −21% vs AYAL
Talanx AG TLX €129.90 €89.76 −31% vs AYAL
Sun Life Financial Inc SLF $71.53 $40.29 −44% vs AYAL
Zurich Insurance Group ZURN CHF 630.20 CHF 320.92 −49% vs AYAL
Allianz SE ALV €451.10 €229.28 −49% vs AYAL
Assicurazioni Generali S.p.A G €43.73 €22.17 −49% vs AYAL
Swiss Life Holding SLHN CHF 971.20 CHF 413.28 −57% vs AYAL

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Ayalon Holdings Ltd: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Ayalon Holdings Ltd Fair Value". https://www.fairvalue-calculator.com/stock/AYAL

Frequently asked questions

Is Ayalon Holdings Ltd (AYAL) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of 121.53 ILS versus a price of 144.80 ILS, about 16% lower (overvalued).
What is the fair value of AYAL?
Our model-based fair value for Ayalon Holdings Ltd is 121.53 ILS (as of Nov 6, 2026), built from audited fundamentals. The current price: 144.80 ILS.
What is the quality score of AYAL?
Ayalon Holdings Ltd has a Quality Score of 39/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Ayalon Holdings Ltd (AYAL)?
Our model-based price target is the fair value of 121.53 ILS (as of Nov 6, 2026) from 6 valuation models. Cautious scenario 77.14 ILS, optimistic scenario 156.79 ILS. It is a calculation from audited fundamentals, not an analyst target.
What is the Ayalon Holdings Ltd stock forecast for 2026?
Our models put fair value at 121.53 ILS, about 16% lower versus a price of 144.80 ILS (overvalued). Cautious scenario 77.14 ILS, optimistic scenario 156.79 ILS. The calculation is refreshed regularly with new filings.
What is the revenue of Ayalon Holdings Ltd (AYAL)?
Ayalon Holdings Ltd reported trailing-twelve-month revenue of about 6.5B ILS (latest available figure, as of Nov 6, 2026).
Does Ayalon Holdings Ltd pay a dividend?
Ayalon Holdings Ltd currently shows a dividend yield of 0.76% relative to its recent price (as of Nov 6, 2026).
How much is the dividend of Ayalon Holdings Ltd (AYAL) and when is the ex-dividend date?
Ayalon Holdings Ltd pays a dividend of 1.10 ILS per share a year, a dividend yield of 0.8%. The last ex-dividend date was Aug 28, 2026. The payout ratio is 7.1% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Ayalon Holdings Ltd (AYAL)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Ayalon Holdings Ltd it is 121.53 ILS per share (as of Nov 6, 2026), against a price of 144.80 ILS. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Ayalon Holdings Ltd stock overvalued or undervalued in 2026?
As of Nov 6, 2026, AYAL trades above its calculated fair value: price 144.80 ILS, fair value 121.53 ILS, a gap of about −16% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of AYAL?
No. The price is what the market pays today (144.80 ILS); the fair value is what the company's own numbers justify (121.53 ILS). For Ayalon Holdings Ltd the two are 23.27 ILS per share apart. That gap is exactly why we show both numbers side by side.
How much is Ayalon Holdings Ltd worth?
The market values Ayalon Holdings Ltd at about 4.3B ILS (market capitalisation, as of Nov 6, 2026). Per share that is 144.80 ILS; our models calculate a fair value of 121.53 ILS per share.
What do the bullish and bearish scenarios say about AYAL?
Our models span a range for Ayalon Holdings Ltd: cautious scenario 77.14 ILS, base 121.53 ILS, optimistic 156.79 ILS per share (as of Nov 6, 2026, price 144.80 ILS). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of AYAL?
Ayalon Holdings Ltd trades at a price-to-earnings ratio of 9.3 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 121.53 ILS is built from several models across several years. Median P/E at fiscal year-end, 6 fiscal years (2018 to 2025), reported earnings: 5.7. Other multiples: P/B 2.8, P/S 0.7, EV/EBITDA 5.8.
How solid is the balance sheet of Ayalon Holdings Ltd (AYAL)?
Balance-sheet figures for Ayalon Holdings Ltd (as of Nov 6, 2026): return on equity 29.0%, debt of 0.44 per unit of equity. They feed the Quality Score of 39/100, which measures business quality independently of the share price.
How far is AYAL from its 52-week high?
Ayalon Holdings Ltd trades at 144.80 ILS, about 27% below its 52-week high of 198.00 ILS and 99% above the low of 72.76 ILS (as of Nov 5, 2026). Distance from the high says nothing about value: that is what the fair value of 121.53 ILS is for.
Which stocks are comparable to Ayalon Holdings Ltd?
From the same area (Financial Services) we also value Allianz SE, Zurich Insurance Group, AXA SA, Assicurazioni Generali S.p.A, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Ayalon Holdings Ltd stock attractive at the current price?
The data as of Nov 6, 2026: price 144.80 ILS, calculated fair value 121.53 ILS (−16%), Quality Score 39/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of AYAL calculated?
We run Ayalon Holdings Ltd through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 121.53 ILS builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. Ayalon Holdings Ltd itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Ayalon Holdings Ltd (AYAL)?
The closing price on Nov 5, 2026 was 144.80 ILS. Our model-based fair value is 121.53 ILS, about 16% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Ayalon Holdings Ltd right now?
Weak quality (39/100) and above fair value at the same time, the margin of safety is missing on both counts. A fairly wide model range (77.14 ILS to 156.79 ILS) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Ayalon Holdings Ltd (AYAL) come from?
Earnings per share at Ayalon Holdings Ltd grew +11.4 % a year from 2014 to 2025. Broken into its drivers: revenue per share +0.6 %, EBIT margin +32.1 %, tax rate +1.9 %, residual (interest, one-offs) −17.8 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Ayalon Holdings Ltd

How large is the market capitalisation of Ayalon Holdings Ltd (AYAL)?
The market capitalisation of Ayalon Holdings Ltd is 4.3B ILS. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Ayalon Holdings Ltd (AYAL)?
The price-to-sales ratio of Ayalon Holdings Ltd is 0.66 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Ayalon Holdings Ltd (AYAL)?
Earnings per share at Ayalon Holdings Ltd are 15.60 ILS (price ÷ EPS = P/E 9.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Ayalon Holdings Ltd (AYAL)?
The dividend yield of Ayalon Holdings Ltd is 0.8% (payout 7.1%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Ayalon Holdings Ltd (AYAL)?
The net margin of Ayalon Holdings Ltd is 6.8% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Ayalon Holdings Ltd (AYAL)?
The return on equity (ROE) of Ayalon Holdings Ltd is 29.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Ayalon Holdings Ltd (AYAL)?
On an EBIT basis the return on assets of Ayalon Holdings Ltd is 7.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Ayalon Holdings Ltd (AYAL)?
The operating margin of Ayalon Holdings Ltd is 12.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Ayalon Holdings Ltd (AYAL)?
Revenue at Ayalon Holdings Ltd is growing +4.8% versus a year earlier (3y avg +33.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Ayalon Holdings Ltd (AYAL)?
Earnings per share at Ayalon Holdings Ltd are growing −17.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Ayalon Holdings Ltd (AYAL) generate?
The free cash flow of Ayalon Holdings Ltd is 188M ILS (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Ayalon Holdings Ltd (AYAL) hold?
Ayalon Holdings Ltd holds more cash than debt, 156M ILS net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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