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

As of Sep 23, 2026: fair value of Ayalon Holdings Ltd ILS 125, price ILS 198, upside -36.6%, quality 48 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
  3. Add to watchlist

Financial Services · Il · ISIN IL0002090152

AH Broad data Sep 23, 2026

Ayalon Holdings Ltd

AYAL · TA

Weakest SetupStrongly overvalued and low quality.

!Fair value 125.43 ILA · Strongly overvalued (−37%)
!Quality 48/100
!Mixed Growth (revenue 5y +17.4 %/yr)
!Thin margins · 7.0% net margin (TTM)
✓Low debt · generates free cash flow
!Mixed vs. peers (6/14)
!Moderate moat 54/100
!Weak on future: 23 out of 100
!Weak on dividend: 11 out of 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

197.80 ILA 10.61 ILA Fair Value 125.43 ILA May 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.

How to read this chart

60‑month range 10.61 ILA – 197.80 ILA · fair‑value band 85.70 ILA – 156.79 ILA · the 197.80 ILA price screens above the 125.43 ILA 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. Dashed = 300-day average. As of Sep 23, 2026.

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Company profile

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

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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.

Stock analysis

Ayalon Holdings Ltd (AYAL) currently trades at 197.80 ILA, while our model-based Fair Value estimate is 125.43 ILA, implying the stock looks roughly 57.7% overvalued today.

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Valuation

Bull case: the Dividend Discount group reads highest at a median of 119.45 ILA per share, and 0 of the 6 models we run sit above the 197.80 ILA price.

Bear case: the Asset-Based group reads lowest at 35.88 ILA, and 6 of the 6 models stay below the price. Evidence for this calculation is high.

Scenario range: 85.70 ILA (bear) to 156.79 ILA (bull), the price of 197.80 ILA sits above 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 48/100 (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 5.3B ILA · P/E ratio 11.9 · P/S ratio 0.91 · EPS (TTM) 16.63 ILA · Dividend yield 0.6% · Net margin 7.7% · Return on equity 33.1% · Return on assets (EBIT) 7.0%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).

What moves the price

The share trades at its 52-week high and 232% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −23% fair-value upside, at −37%, AYAL screens richer than that median.

Fair Value models

Bear 85.70 ILA Fair Value 125.43 ILA Bull 156.79 ILA
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (11.36 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. Evidence ⓘEvidence = 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.
Highest evidence
Gordon GGM 72.57 ILA 130.76 ILA 180.01 ILA 68
DDM Multi-Stage 72.57 ILA 119.45 ILA 139.69 ILA 67
Residual Income 80.71 ILA 100.87 ILA 320.98 ILA 64
All 6 models by family
Dividend Discount
Gordon GGM 72.57 ILA 130.76 ILA 180.01 ILA 68
DDM Multi-Stage 72.57 ILA 119.45 ILA 139.69 ILA 67
Multiples
P/E Multiple 146.42 ILA 195.22 ILA 244.03 ILA 63
P/B Multiple 56.23 ILA 74.97 ILA 93.71 ILA 55
Asset-Based
NCAV (Graham) 26.77 ILA 35.88 ILA 53.55 ILA 54
Economic Profit
Residual Income 80.71 ILA 100.87 ILA 320.98 ILA 64

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Quality Score breakdown

Overall quality 48/100

Of which business quality 40 · Market factors (momentum, volatility) 86

Profitability 45
Margins and returns on capital today
Quality Growth 87
Are margins and returns improving?
Cashflow 29
Earnings quality: real cash, not paper profit
Fin. Strength 14
Balance sheet, leverage, solvency risk
Investment 52
Disciplined investing over empire-building
Low Volatility 64
Calm price path (market factor)
Momentum 93
Price trend over the last 3–12 months (market factor)
52W Momentum 100
Distance to the 52-week high (market factor)
Net Issuance 35
Share count: buybacks or dilution?

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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.
+30.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+29.4%
Dividend (yield on the price)0.6%
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.65% vs 18%, 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.
Start year 2020 (pandemic)

Growth Forecast

Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+11.1%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (Israel: IMF forecast 2.1% a year to 2030, 1.7% from 2016 to 2025) that is about +8.9% a year for the price.

AYAL screens 58% overvalued. 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 · 83 stocks

Beats the industry median on 6/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 44 · Bottom 25%
Fair Value upside −37% · Below median
Profitability
Return on equity (TTM) 33% · Top 25%
Return on assets 2% · Above median
Net margin (TTM) 7% · Below median
Operating margin (TTM) 9% · Below median
Growth and dividend
Revenue growth 5% · Below median
Dividend yield (TTM) 0.6% · Bottom 25%
Balance sheet
Debt / equity 0.44× · Above median

Valuation Multiplesvs Insurance - Diversified median · lower = cheaper

P/E (TTM) 11.9× · Cheaper than median
P/B 1.14× · Cheaper than median
P/S (TTM) 0.27× · Cheapest 25%
P/FCF 9.2× · Pricier than median
EV/EBITDA 2.1× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 7
FUTURE (revenue growth)23 · sector 31
PAST (return on equity)100 · sector 49
HEALTH (low debt)78 · sector 89
DIVIDEND (yield)11 · sector 72

VALUE 0: the price sits above our fair-value range.

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.

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Allianz SE ALV €430.20 €242.44 −44%
Zurich Insurance Group ZURN CHF 588.60 CHF 322.48 −45%
AXA SA CS €43.91 €39.76 −9%
Assicurazioni Generali S.p.A G €44.26 €10.92 −75%
Sun Life Financial Inc SLF $80.71 $41.22 −49%
American International Group AIG $75.18 $70.37 −6%
The Hartford Insurance Group HIG $128.73 $133.10 +3%
Arch Capital Group ACGL $94.95 $124.45 +31%
Talanx AG TLX €119.70 €92.38 −23%
Swiss Life Holding SLHN CHF 916.00 CHF 413.93 −55%

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125.43 ILA −58%Fair Value
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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 Sep 23, 2026, our model estimates a fair value of 125.43 ILA versus a price of 197.80 ILA, about −37% upside (overvalued).
What is the fair value of AYAL?
Our model-based fair value for Ayalon Holdings Ltd is 125.43 ILA (as of Sep 23, 2026), built from audited fundamentals. The current price: 197.80 ILA.
What is the quality score of AYAL?
Ayalon Holdings Ltd has a Quality Score of 48/100. 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 125.43 ILA (as of Sep 23, 2026) from 6 valuation models. Cautious scenario 85.70 ILA, optimistic scenario 156.79 ILA. 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 125.43 ILA, about −37% upside versus a price of 197.80 ILA (overvalued). Cautious scenario 85.70 ILA, optimistic scenario 156.79 ILA. 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 6.4B ILS (latest available figure, as of Sep 23, 2026).
Does Ayalon Holdings Ltd pay a dividend?
Ayalon Holdings Ltd currently shows a dividend yield of about 0.56% relative to its recent price (as of Sep 23, 2026).
What growth is priced into Ayalon Holdings Ltd (AYAL)?
For today's price to be fair in a discounted-cash-flow model, Ayalon Holdings Ltd would have to grow free cash flow by +11.1 % per year for five years (discount rate 11.6 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +17.4 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of AYAL use?
Our models discount Ayalon Holdings Ltd at 11.6 %: a base by market capitalisation (small), damped by beta 0.31, country premium for Israel. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Ayalon Holdings Ltd that is +11.1 % per year a year over ten years, using the same discount rate (11.6 %) and the same formula as our fair value.
How much growth has Ayalon Holdings Ltd (AYAL) delivered so far?
Over the past 5 years revenue at Ayalon Holdings Ltd grew +17.4 % a year. The price currently implies +11.1 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Ayalon Holdings Ltd (AYAL) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into Ayalon Holdings Ltd (+11.1 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Ayalon Holdings Ltd (AYAL)?
The free-cash-flow yield on the price is 3.57 %: that much free cash flow Ayalon Holdings Ltd produces per unit of market value. When it exceeds the discount rate of our models (11.6 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
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 125.43 ILA per share (as of Sep 23, 2026), against a price of 197.80 ILA. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Ayalon Holdings Ltd stock overvalued or undervalued in 2026?
As of Sep 23, 2026, AYAL trades above its calculated fair value: price 197.80 ILA, fair value 125.43 ILA, a gap of about −37% (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 (197.80 ILA); the fair value is what the company's own numbers justify (125.43 ILA). For Ayalon Holdings Ltd the two are 72.37 ILA 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 5.3B ILA (market capitalisation, as of Sep 23, 2026). Per share that is 197.80 ILA; our models calculate a fair value of 125.43 ILA per share.
What do the bullish and bearish scenarios say about AYAL?
Our models span a range for Ayalon Holdings Ltd: cautious scenario 85.70 ILA, base 125.43 ILA, optimistic 156.79 ILA per share (as of Sep 23, 2026, price 197.80 ILA). 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 11.9 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 125.43 ILA is built from several models across several years. Other multiples: P/B 1.1, P/S 0.3, EV/EBITDA 2.1.
How solid is the balance sheet of Ayalon Holdings Ltd (AYAL)?
Balance-sheet figures for Ayalon Holdings Ltd (as of Sep 23, 2026): return on equity 33.1%, debt of 0.44 per unit of equity. They feed the Quality Score of 48/100, which measures business quality independently of the share price.
How far is AYAL from its 52-week high?
Ayalon Holdings Ltd trades at 197.80 ILA, at its 52-week high of 197.80 ILA and 232% above the low of 59.59 ILA (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of 125.43 ILA 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 Sep 23, 2026: price 197.80 ILA, calculated fair value 125.43 ILA (−37%), Quality Score 48/100, 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 four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 125.43 ILA, 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 14.1 % 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 Sep 23, 2026 was 197.80 ILA. Our model-based fair value is 125.43 ILA, about −37% upside (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?
The price sits above even our optimistic bull case (156.79 ILA). The favourable scenario is already priced in. Solid but not exceptional quality (48/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range (85.70 ILA to 156.79 ILA) 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 5.3B ILA. 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 0.91 (P/E × margin). 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 16.63 ILA (price ÷ EPS = P/E 11.9). 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 0.6% (payout 6.6%). 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 7.7% (fiscal year 2025). 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 33.1% (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 8.6% (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 +4.6% 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 +28.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Ayalon Holdings Ltd (AYAL) hold?
Ayalon Holdings Ltd holds more cash than debt, 156M ILA net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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