Ayalon Holdings Ltd

TA:AYAL Israel Insurance - Diversified
Market Cap
$1.01 Billion
ILA377.47 Billion ILA
Market Cap Rank
#29185 Global
#87 in Israel
Share Price
ILA13860.00
Change (1 day)
+0.00%
52-Week Range
ILA4297.40 - ILA15360.00
All Time High
ILA15360.00
Categories
Companies in Israel Insurance - Diversified
About

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 compulsory motor, and motor property insurance. The com… Read more

Ayalon Holdings Ltd (AYAL) - Net Assets

Latest net assets as of September 2025: ILA1.46 Billion ILA

Based on the latest financial reports, Ayalon Holdings Ltd (AYAL) has net assets worth ILA1.46 Billion ILA as of September 2025.

Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (ILA18.90 Billion) and total liabilities (ILA17.44 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.

Key Net Assets Metrics

Metric Value
Current Net Assets ILA1.46 Billion
% of Total Assets 7.72%
Annual Growth Rate 5.91%
5-Year Change 38.99%
10-Year Change 60.14%
Growth Volatility 17.43

Ayalon Holdings Ltd - Net Assets Trend (2005–2024)

This chart illustrates how Ayalon Holdings Ltd's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.

Annual Net Assets for Ayalon Holdings Ltd (2005–2024)

The table below shows the annual net assets of Ayalon Holdings Ltd from 2005 to 2024.

Year Net Assets Change
2024-12-31 ILA972.74 Million +37.94%
2023-12-31 ILA705.17 Million +10.20%
2022-12-31 ILA639.92 Million -6.01%
2021-12-31 ILA680.85 Million -2.72%
2020-12-31 ILA699.88 Million -5.36%
2019-12-31 ILA739.55 Million +12.58%
2018-12-31 ILA656.90 Million +20.73%
2017-12-31 ILA544.12 Million +2.34%
2016-12-31 ILA531.66 Million -12.47%
2015-12-31 ILA607.42 Million +3.40%
2014-12-31 ILA587.43 Million +9.46%
2013-12-31 ILA536.68 Million +12.22%
2012-12-31 ILA478.25 Million +16.45%
2011-12-31 ILA410.69 Million -13.97%
2010-12-31 ILA477.36 Million +4.34%
2009-12-31 ILA457.49 Million +43.66%
2008-12-31 ILA318.46 Million -30.46%
2007-12-31 ILA457.94 Million +9.58%
2006-12-31 ILA417.92 Million +27.89%
2005-12-31 ILA326.78 Million --

Equity Component Analysis

This analysis shows how different components contribute to Ayalon Holdings Ltd's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.

Equity Composition Insights

  • Retained earnings have grown by 130.3% over the analyzed period, indicating profitable operations and earnings retention.

Current Equity Component Breakdown (December 2024)

Component Amount Percentage
Retained Earnings ILA573.89 Million 59.08%
Common Stock ILA266.59 Million 27.45%
Other Components ILA130.86 Million 13.47%
Total Equity ILA971.34 Million 100.00%

Ayalon Holdings Ltd Competitors by Market Cap

The table below lists competitors of Ayalon Holdings Ltd ranked by their market capitalization.

Company Market Cap
Life Healthcare
JSE:LHC
 		$8.63 Million
Mivtach Shamir
TA:MISH
 		$8.63 Million
AKA Brands Holding Corp
NYSE:AKA
 		$8.64 Million
Holand og Setskog Sparebank
OL:HSPG
 		$8.64 Million
Tiny Ltd.
PINK:TNYZF
 		$8.63 Million
BLUE STAR GOLD
F:5WP0
 		$8.62 Million
CATENON SA INH. EO-02
F:8Y9
 		$8.62 Million
Protect Pharmaceutical Corporation
PINK:PRTT
 		$8.62 Million

Equity Growth Attribution

This analysis shows how different factors contributed to changes in Ayalon Holdings Ltd's equity between the two most recent reporting periods.

Equity Growth Insights

  • From 2023 to 2024, total equity changed from 703,491,000 to 971,340,000, a change of 267,849,000 (38.1%).
  • Net income of 144,408,000 contributed positively to equity growth.
  • Dividend payments of 60,000,000 reduced retained earnings.
  • Other comprehensive income increased equity by 7,215,000.
  • Other factors increased equity by 176,226,000.

Equity Change Factors (2023 to 2024)

Factor Impact Contribution
Net Income ILA144.41 Million +14.87%
Dividends Paid ILA60.00 Million -6.18%
Other Comprehensive Income ILA7.21 Million +0.74%
Other Changes ILA176.23 Million +18.14%
Total Change ILA- 38.07%

Book Value vs Market Value Analysis

This analysis compares Ayalon Holdings Ltd's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.

Valuation Insights

  • Current price-to-book ratio: 376.07x
  • The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
  • The price-to-book ratio has decreased from 438.81x to 376.07x over the analyzed period, indicating reduced market premium.

Historical Price-to-Book Ratios

Date Book Value per Share Market Price P/B Ratio
2007-12-31 ILA31.59 ILA13860.00 x
2008-12-31 ILA21.96 ILA13860.00 x
2009-12-31 ILA31.72 ILA13860.00 x
2010-12-31 ILA33.48 ILA13860.00 x
2011-12-31 ILA28.84 ILA13860.00 x
2012-12-31 ILA33.82 ILA13860.00 x
2013-12-31 ILA37.96 ILA13860.00 x
2014-12-31 ILA41.68 ILA13860.00 x
2015-12-31 ILA43.12 ILA13860.00 x
2016-12-31 ILA37.86 ILA13860.00 x
2017-12-31 ILA38.78 ILA13860.00 x
2018-12-31 ILA38.16 ILA13860.00 x
2019-12-31 ILA40.58 ILA13860.00 x
2020-12-31 ILA38.40 ILA13860.00 x
2021-12-31 ILA37.32 ILA13860.00 x
2022-12-31 ILA35.07 ILA13860.00 x
2023-12-31 ILA32.66 ILA13860.00 x
2024-12-31 ILA36.85 ILA13860.00 x

Capital Efficiency Dashboard

This dashboard shows how efficiently Ayalon Holdings Ltd utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.

Capital Efficiency Insights

  • Current Return on Equity (ROE): 14.87%
  • The company shows good efficiency in utilizing shareholder equity.
  • DuPont Analysis Breakdown:
  • • Net Profit Margin: 3.31%
  • • Asset Turnover: 0.23x
  • • Equity Multiplier: 19.63x
  • Recent ROE (14.87%) is above the historical average (4.08%), indicating improving capital efficiency.

Historical Capital Efficiency Metrics

Year Return on Equity Net Profit Margin Asset Turnover Equity Multiplier Economic Value Added
2005 15.42% 3.34% 0.36x 12.66x ILA17.60 Million
2006 12.57% 3.36% 0.34x 10.88x ILA10.58 Million
2007 15.10% 3.92% 0.35x 11.06x ILA23.13 Million
2008 -17.22% -4.10% 0.26x 16.12x ILA-84.63 Million
2009 13.05% 3.71% 0.25x 14.30x ILA13.72 Million
2010 8.24% 2.00% 0.28x 14.46x ILA-8.36 Million
2011 -10.90% -3.62% 0.17x 17.69x ILA-85.35 Million
2012 1.03% 0.25% 0.25x 15.88x ILA-42.99 Million
2013 8.40% 1.95% 0.29x 15.01x ILA-8.58 Million
2014 10.56% 2.40% 0.31x 14.36x ILA3.28 Million
2015 4.37% 1.18% 0.25x 14.62x ILA-34.38 Million
2016 -11.45% -3.84% 0.15x 19.70x ILA-115.01 Million
2017 -4.85% -1.04% 0.22x 20.93x ILA-81.54 Million
2018 6.90% 2.07% 0.17x 19.19x ILA-20.32 Million
2019 3.27% 0.83% 0.21x 18.41x ILA-49.71 Million
2020 -9.20% -2.59% 0.17x 20.68x ILA-134.16 Million
2021 -16.80% -3.63% 0.20x 23.58x ILA-182.01 Million
2022 26.11% 7.09% 0.15x 24.41x ILA102.86 Million
2023 12.07% 2.32% 0.23x 22.66x ILA14.56 Million
2024 14.87% 3.31% 0.23x 19.63x ILA47.27 Million

Industry Comparison

This section compares Ayalon Holdings Ltd's net assets metrics with peer companies in the Insurance - Diversified industry.

Industry Context

  • Industry: Insurance - Diversified
  • Average net assets among peers: $5,209,081,333
  • Average return on equity (ROE) among peers: 15.47%

Peer Company Comparison

Company Net Assets Return on Equity Debt-to-Equity Market Cap
Ayalon Holdings Ltd (AYAL) ILA1.46 Billion 15.42% 11.96x $8.63 Million
Harel Insurance Investments & Financial Services Ltd (HARL) $8.39 Billion 10.80% 15.13x $69.53 Million
IDI Insurance Company Ltd (IDIN) $814.09 Million 25.47% 6.46x $9.52 Million
The Phoenix Holdings Ltd. (PHOE) $6.43 Billion 10.14% 13.18x $93.09 Million