Ayalon Insurance Co (XTAE:AYAL) Moat Score: 0/10 (As of Jul. 22, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

XTAE:AYAL Ayalon Insurance Co XTAE:AYAL
52 GF Score
Price ₪141.10
GF Value ₪44.78
Valuation Significantly Overvalued
! 2 Warning Signs
View Full Analysis

What is Ayalon Insurance Co Moat Score?

Ayalon Insurance Co has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Ayalon Insurance Co has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Ayalon Insurance Co might have No Moat - No discernible moat.

Ayalon Insurance Co  (XTAE:AYAL) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Ayalon Insurance Co Moat Score Related Terms

XTAE:AYAL
52GF Score
Ayalon Insurance Co XTAE:AYAL
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

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 ₪141.10 is trading 215.1% above its estimated GF Value™ of ₪44.78. GuruFocus considers Ayalon Insurance Co to be Significantly Overvalued.

Key valuation signals for XTAE:AYAL:

  • Moat Score: 0
  • GF Value™: ₪44.78 vs. price of ₪141.10 (215.1% above fair value)
  • GF Score™: 52/100 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.
52GF Score

Get the complete analysis for XTAE:AYAL

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

₪141.10
Price
₪44.78
GF Value