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Ayalon Insurance CoXTAE:AYAL -2.86%54 Debt-to-EBITDA is 1.31 as of Jun. 2026, which is 79% below its 10-year median of 6.11. GuruFocus rates XTAE:AYAL with a GF Score™ of 54/100 and a GF Value™ of ₪65.09 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 313 Insurance companies, Ayalon Insurance Co ranks worse than 52.4% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Ayalon Insurance Co's Debt-to-EBITDA or its related term are showing as below:
XTAE:AYAL'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.89 Med: 6.11 Max: 489.26
Current: 1.31
During the past 13 years, the highest Debt-to-EBITDA Ratio of Ayalon Insurance Co was 489.26. The lowest was 0.89. And the median was 6.11.
XTAE:AYAL's Debt-to-EBITDA is ranked worse than 52.4% of 313
companies
in the Insurance industry
Industry Median: 1.24
vs XTAE:AYAL: 1.31
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Ayalon Insurance Co Debt-to-EBITDA Related Terms
Ayalon Insurance Co Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Ayalon Insurance Co's Debt-to-EBITDA can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
XTAE:AYAL vs BRK.A, AIG, HIG: Debt-to-EBITDA Comparison
For the Insurance - Diversified subindustry, Ayalon Insurance Co's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Ayalon Insurance Co Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Ayalon Insurance Co's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Ayalon Insurance Co's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Jun. 2026) EBITDA data.
Ayalon Insurance Co (XTAE:AYAL) has a Debt-to-EBITDA of 1.31 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Ayalon Insurance Co. This is 79% below median its historical median of 6.11. Over the past decade, Ayalon Insurance Co's Debt-to-EBITDA has ranged from 0.89 to 489.26. According to the industry distribution chart, Ayalon Insurance Co ranks #164 out of 313 companies in the Insurance industry, placing it in the top 52.4%.
Is Ayalon Insurance Co's Debt-to-EBITDA too high?
Ayalon Insurance Co's current Debt-to-EBITDA of 1.31 is 79% below median its 10-year median of 6.11. Over the past 10 years, this metric has ranged from a low of 0.89 to a high of 489.26. The Insurance industry median Debt-to-EBITDA is 1.24. Ayalon Insurance Co's value of 1.31 is 5.6% above this industry median. Based on the distribution chart, Ayalon Insurance Co ranks #164 out of 313 companies in the Insurance industry, which is below the industry midpoint. Overall, Ayalon Insurance Co has a GF Score™ of 54/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ayalon Insurance Co's Debt-to-EBITDA compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Ayalon Insurance Co ranks #164 out of 313 companies for Debt-to-EBITDA. This places Ayalon Insurance Co in the lower half of its industry. The industry median Debt-to-EBITDA is 1.24. Ayalon Insurance Co's value of 1.31 is 5.6% above this benchmark. Historically, Ayalon Insurance Co's own Debt-to-EBITDA has ranged from 0.89 to 489.26 over the past decade. While the company's 10-year median is 6.11 vs. the industry median of 1.24, Ayalon Insurance Co has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for an Insurance company?
The median Debt-to-EBITDA among Insurance companies is 1.24, based on 313 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ayalon Insurance Co's current Debt-to-EBITDA of 1.31 is 5.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Ayalon Insurance Co. For the Insurance industry, the median Debt-to-EBITDA is 1.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ayalon Insurance Co's current Debt-to-EBITDA is 1.31, which is 79% below median its own 10-year median of 6.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ayalon Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, Ayalon Insurance Co (XTAE:AYAL) is currently considered Significantly Overvalued. The stock's GF Value™ is ₪65.09, compared to a current price of ₪187.00 — trading 187.3% above its estimated fair value. The current Debt-to-EBITDA is 1.31, which is 79% below median its 10-year median of 6.11 and 5.6% above the Insurance industry median of 1.24. Ayalon Insurance Co's overall GF Score™ is 54/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Ayalon Insurance Co (XTAE:AYAL), the current Debt-to-EBITDA is 1.31 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Ayalon Insurance Co (XTAE:AYAL) Overvalued in 2026?
Based on GuruFocus' analysis, Ayalon Insurance Co stock appears to be overvalued.
The current stock price of ₪187.00 is trading 187.3% above its estimated GF Value™ of ₪65.09.
GuruFocus considers Ayalon Insurance Co to be Significantly Overvalued.
Key valuation signals for XTAE:AYAL:
Debt-to-EBITDA: 1.31 (79% below median its 10-year median of 6.11)
GF Value™: ₪65.09 vs. price of ₪187.00 (187.3% above fair value)
Industry Position: 5.6% above the Insurance median (#164 of 313)
No single metric tells the full story. See the XTAE:AYAL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ayalon Insurance Co is a holding company and act as a management and consulting services provider. It provides life and general insurance products and services. The company offers insurance policies including car insurance, car possession insurance, property cover, life insurance that covers sickness, disability and death. It also provides mortgage insurance.
54GF Score
Get the complete analysis for XTAE:AYAL
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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