Ayalon Insurance CoXTAE:AYAL +3.16%47 Interest Coverage is 12.29 as of Mar. 2026, which is 294% above its 10-year median of 3.12. GuruFocus rates XTAE:AYAL with a GF Score™ of 47/100 and a GF Value™ of ₪44.49 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 352 Insurance companies, Ayalon Insurance Co ranks worse than 53.41% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
EBIT
by its Interest Expense. Ayalon Insurance Co's
EBIT
for the
three
months ended in Mar. 2026 was ₪130 Mil. Ayalon Insurance Co's Interest Expense for the
three
months ended in Mar. 2026 was ₪-11 Mil.
Ayalon Insurance Co's interest coverage for the quarter that ended in Mar. 2026 was 12.29.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Ayalon Insurance Co's Interest Coverage or its related term are showing as below:
XTAE:AYAL'
s Interest Coverage Range Over the Past 10 Years
Min: 0.1 Med: 3.12 Max: 14.61
Current: 14.61
XTAE:AYAL's Interest Coverage is ranked worse than 53.41% of 352
companies
in the Insurance industry
Industry Median: 16.245
vs XTAE:AYAL: 14.61
Ayalon Insurance Co (XTAE:AYAL) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Ayalon Insurance Co Interest Coverage Related Terms
Ayalon Insurance Co Interest Coverage Historical Data
* Premium members only.
The historical data trend for Ayalon Insurance Co's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
XTAE:AYAL vs BRK.A, AIG, HIG: Interest Coverage Comparison
For the Insurance - Diversified subindustry, Ayalon Insurance Co's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Ayalon Insurance Co's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Ayalon Insurance Co's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 (XTAE:AYAL) has a Interest Coverage of 12.29 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Ayalon Insurance Co and its competitors. This is 294% above median its historical median of 3.12. Over the past decade, Ayalon Insurance Co's Interest Coverage has ranged from 0.10 to 14.61. According to the industry distribution chart, Ayalon Insurance Co ranks #188 out of 352 companies in the Insurance industry, placing it in the top 53.4%.
Is Ayalon Insurance Co's Interest Coverage too high?
Ayalon Insurance Co's current Interest Coverage of 12.29 is 294% above median its 10-year median of 3.12. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 14.61. The Insurance industry median Interest Coverage is 16.25. Ayalon Insurance Co's value of 12.29 is 24.3% below this industry median. Based on the distribution chart, Ayalon Insurance Co ranks #188 out of 352 companies in the Insurance industry, which is below the industry midpoint. 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 Interest Coverage compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Ayalon Insurance Co ranks #188 out of 352 companies for Interest Coverage. This places Ayalon Insurance Co in the lower half of its industry. The industry median Interest Coverage is 16.25. Ayalon Insurance Co's value of 12.29 is 24.3% below this benchmark. Historically, Ayalon Insurance Co's own Interest Coverage has ranged from 0.10 to 14.61 over the past decade. While the company's 10-year median is 3.12 vs. the industry median of 16.25, Ayalon Insurance Co has consistently been below 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 Interest Coverage for an Insurance company?
The median Interest Coverage among Insurance companies is 16.25, based on 352 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ayalon Insurance Co's current Interest Coverage of 12.29 is 24.3% below 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Ayalon Insurance Co and its competitors. For the Insurance industry, the median Interest Coverage is 16.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ayalon Insurance Co's current Interest Coverage is 12.29, which is 294% above median its own 10-year median of 3.12. 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 ₪44.49, compared to a current price of ₪137.20 — trading 208.4% above its estimated fair value. The current Interest Coverage is 12.29, which is 294% above median its 10-year median of 3.12 and 24.3% below the Insurance industry median of 16.25. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Ayalon Insurance Co (XTAE:AYAL), the current Interest Coverage is 12.29 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 ₪137.20 is trading 208.4% above its estimated GF Value™ of ₪44.49.
GuruFocus considers Ayalon Insurance Co to be Significantly Overvalued.
Key valuation signals for XTAE:AYAL:
Interest Coverage: 12.29 (294% above median its 10-year median of 3.12)
GF Value™: ₪44.49 vs. price of ₪137.20 (208.4% above fair value)
Industry Position: 24.3% below the Insurance median (#188 of 352)
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.
47GF Score
Get the complete analysis for XTAE:AYAL
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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