1. Israel Stocks

  2. •

    Finance

  3. •

    Multi-line insurance
Ayalon Insurance Co., Ltd.

Ayalon Insurance Co., Ltd.

TTASE:AYAL
18,660.00
ILA
-440.00
(-2.30%)
1,593.02EPS
7.56P/E
352.67BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
163.74
183.17
159.99
112.89
181.19
127.31
159.87
136.51
172.94
114.65
160.43
189.78
204.19
171.77
Basic EPS, GAAP
3.19
4.4
1.88
-4.33
-1.88
2.63
1.33
-3.53
-6.27
8.13
3.72
10.68
16.57
16.45
Free Cash Flow per Basic Share
40.49
1.17
-21.24
-6.86
-8.47
-12.23
-5.75
14.9
-21.39
9.26
-6.65
2.92
7.31
-10.49
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
2.55
10.3
9.85
Book Value per Share
37.96
41.68
42.51
37.86
38.78
36.04
40.86
38.4
37.33
35.07
46.79
43.78
55.79
63.05
Tangible Book Value per Share
24.75
28.59
29.32
30.02
31.6
28.19
31.3
26.82
24.38
19.63
29.05
29.01
41.4
49.11
Basic Weighted Avg Shares
14
14
14
14
14
17
18
18
18
21
23
24
26
27
Sales/Revenue/Turnover
2,319
2,594
2,266
1,599
2,566
2,188
2,909
2,484
3,147
2,351
3,662
4,464
5,251
4,621
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
32
36
47
67
43
50
53
58
68
80
94
90
100
97
Net Income, GAAP
45
62
27
-61
-27
45
24
-64
-114
167
85
251
426
442
Effective Tax Rate (%)
37.8
41.33
39.86
- -
- -
42.52
14.83
- -
- -
14.33
34.2
36.74
31.98
31.58
Profit Margin (%)
1.95
2.4
1.18
-3.84
-1.04
2.07
0.83
-2.59
-3.63
7.09
2.32
5.63
8.11
9.57
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
401
466
500
543
539
547
660
648
788
727
751
734
690
1,033
Total Equity
537
587
599
532
544
657
745
700
681
640
853
1,094
1,521
1,790
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
8.1
8.31
3.77
- -
- -
6.21
3.58
- -
- -
14
8.37
16.56
22.78
19.8
Return on Common Equity (%)
8.89
11.05
4.48
-10.79
-4.91
7.51
3.45
-8.91
-16.56
25.3
11.4
25.84
32.62
28.99

Capital Structure

ILS

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
660
- -
1,007
LT Finance Leases
30
- -
27
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
27
27
28
Market Capitalization
2,367
3,660
3,527

Working Capital

ILS

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
2,712
812
1,032
Accounts Receivable, Net
135
159
172
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

ILS

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
11.1%
18.37%
38.99%
Free Cash Flow
-92.25%
-108.85%
173.34%
Net Income, GAAP
-102.19%
9.56%
69.6%
Sales/Revenue/Turnover
13.14%
19.34%
17.63%
Total Cash Common Dividend
- -
- -
341.67%

Quarterly Revenue

ILS

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
680
630
1,212
1,163
4,464
2025
936
894
1,272
1,552
5,251
2026
945
852
- -
- -
- -

Quarterly Earnings Per Share

ILS

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.29
3.28
3.97
1.05
10.68
2025
2.27
5.78
4.63
3.9
16.57
2026
2.99
4.95
- -
- -
- -

Quarterly Dividends Per Share

ILS

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
2.55
2025
- -
1.2
2.92
5.87
10.3
2026
- -
1.09
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Sharon Reich
Full Time Employees
1,369
Sector
Finance
Industry
Multi-line insurance
Address
Abba Hillel Silver 12 Ramat Gan TA Israel 52008
IPO Date
Jul 1, 1987
Website
ayalon-ins.co.il
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Business
Ayalon Insurance Company Ltd provides a range of insurance products and long-term savings solutions through its subsidiaries in Israel; its core offerings encompass life insurance and long-term savings plans including pension savings, insurance funds, and savings policies; general insurance coverage such as property, liability, marine, third-party liability, compulsory motor, motor property, and business property insurance; health insurance products comprising nursing care, surgeries and transplants, medical expenses, outpatient coverage, dental, personal accident, and medical insurance for foreign workers; employers', third-party, professional, directors and officers, and product liability insurance; fire, engineering, works, contractors, comprehensive business and office, mechanical engineering equipment, mechanical breakdown, electronic equipment, agricultural, apartment, cargo transportation, and cyber damage insurance. The company operates primarily in the Israeli market, serving individuals, businesses, and institutions with general, health, and long-term savings insurance segments. Founded in 1976 and headquartered in Ramat Gan, Israel, Ayalon Insurance Company Ltd changed its name from Ayalon Holdings Ltd in July 2022 to reflect its focus on insurance operations; in December 2024, it entered a loss portfolio transfer reinsurance agreement with Phoenix Financial Ltd, under which Ayalon transferred 75% of its outstanding employer and third-party liability claims portfolio valued at approximately NIS 930 million from underwriting years 2010 to 2022, pending regulatory approval.