Ayalon Insurance Co (XTAE:AYAL) E10: ₪3.06 (As of Mar. 2026)


XTAE:AYAL Ayalon Insurance Co XTAE:AYAL
47 GF Score
Price ₪133.00
GF Value ₪44.44
Valuation Significantly Overvalued
! 2 Warning Signs
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What is Ayalon Insurance Co E10?

Ayalon Insurance Co XTAE:AYAL +2.31% 47 E10 is ₪3.06 as of Mar. 2026. GuruFocus rates XTAE:AYAL with a GF Score™ of 47/100 and a GF Value™ of ₪44.44 (Significantly Overvalued). The stock has 2 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Ayalon Insurance Co's adjusted earnings per share data for the three months ended in Mar. 2026 was ₪2.860. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ₪3.06 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Ayalon Insurance Co's average E10 Growth Rate was 148.80% per year. During the past 3 years, the average E10 Growth Rate was 53.90% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Ayalon Insurance Co was 53.90% per year. The lowest was 53.90% per year. And the median was 53.90% per year.

As of today (2026-07-05), Ayalon Insurance Co's current stock price is ₪133.00. Ayalon Insurance Co's E10 for the quarter that ended in Mar. 2026 was ₪3.06. Ayalon Insurance Co's Shiller PE Ratio of today is 43.46.

During the past 13 years, the highest Shiller PE Ratio of Ayalon Insurance Co was 96.77. The lowest was 16.72. And the median was 33.94.


Ayalon Insurance Co  (XTAE:AYAL) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Ayalon Insurance Co's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=133.00/3.06
=43.46

* 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.

During the past 13 years, the highest Shiller P/E Ratio of Ayalon Insurance Co was 96.77. The lowest was 16.72. And the median was 33.94.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Ayalon Insurance Co E10 Related Terms


Ayalon Insurance Co E10 Historical Data

* Premium members only.

The historical data trend for Ayalon Insurance Co's E10 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.

Ayalon Insurance Co E10 Chart

Ayalon Insurance Co Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only -0.17 0.65 0.59 0.99 2.37

Ayalon Insurance Co Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.23 1.50 1.87 2.37 3.06

XTAE:AYAL vs BRK.A, AIG, HIG: E10 Comparison

For the Insurance - Diversified subindustry, Ayalon Insurance Co's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Insurance Industry

For the Insurance industry and Financial Services sector, Ayalon Insurance Co's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Ayalon Insurance Co's Shiller PE Ratio falls into.


XTAE:AYAL
47GF Score
Ayalon Insurance Co XTAE:AYAL
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Ayalon Insurance Co E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Ayalon Insurance Co's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=2.86/330.2130*330.2130
=2.860

Current CPI (Mar. 2026) = 330.2130.

Ayalon Insurance Co Quarterly Data

per share eps CPI Adj_EPS
201606 -0.660 241.018 -0.904
201609 1.080 241.428 1.477
201612 -2.158 241.432 -2.952
201703 1.050 243.801 1.422
201706 0.760 244.955 1.025
201709 -3.680 246.819 -4.923
201712 -0.010 246.524 -0.013
201803 1.260 249.554 1.667
201806 1.620 251.989 2.123
201809 0.510 252.439 0.667
201812 -0.720 251.233 -0.946
201903 0.270 254.202 0.351
201906 2.220 256.143 2.862
201909 -1.300 256.759 -1.672
201912 0.141 256.974 0.181
202003 -3.120 258.115 -3.991
202006 0.140 257.797 0.179
202009 1.220 260.280 1.548
202012 -1.761 260.474 -2.232
202103 2.280 264.877 2.842
202106 -1.090 271.696 -1.325
202109 -3.260 274.310 -3.924
202112 -4.200 278.802 -4.974
202203 -0.440 287.504 -0.505
202206 5.570 296.311 6.207
202209 4.140 296.808 4.606
202212 -1.130 296.797 -1.257
202303 0.010 301.836 0.011
202306 0.170 305.109 0.184
202309 0.980 307.789 1.051
202312 2.210 306.746 2.379
202403 1.180 312.332 1.248
202406 2.870 314.175 3.017
202409 3.500 315.301 3.666
202412 2.190 315.605 2.291
202503 2.230 319.799 2.303
202506 5.750 322.561 5.886
202509 4.450 324.800 4.524
202512 3.570 324.054 3.638
202603 2.860 330.213 2.860

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of ₪3.06 mean?
Ayalon Insurance Co (XTAE:AYAL) has a E10 of ₪3.06 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Ayalon Insurance Co and its competitors.
Is Ayalon Insurance Co's E10 too high?
Ayalon Insurance Co's current E10 is ₪3.06. Overall, Ayalon Insurance Co has a GF Score™ of 47/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ayalon Insurance Co's E10 compare to BRK.A and AIG?
Ayalon Insurance Co's E10 of ₪3.06 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for an Insurance company?
A good E10 depends on the Insurance industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Ayalon Insurance Co and its competitors. Ayalon Insurance Co's current E10 is ₪3.06. 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 ₪44.44, compared to a current price of ₪133.00 — trading 199.3% above its estimated fair value. The current E10 is ₪3.06. Ayalon Insurance Co's overall GF Score™ is 47/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Ayalon Insurance Co (XTAE:AYAL), the current E10 is ₪3.06 as of Mar. 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 ₪133.00 is trading 199.3% above its estimated GF Value™ of ₪44.44. GuruFocus considers Ayalon Insurance Co to be Significantly Overvalued.

Key valuation signals for XTAE:AYAL:

  • E10: ₪3.06
  • GF Value™: ₪44.44 vs. price of ₪133.00 (199.3% above fair value)
  • GF Score™: 47/100 with 2 warning signs

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 Business Description

Address 12 Abba Hillel Silver Street, Ramat Gan, ISR, 52008
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.
47GF Score

Get the complete analysis for XTAE:AYAL

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₪133.00
Price
₪44.44
GF Value