Ayalon Insurance Co (XTAE:AYAL) Net Debt Paydown Yield % : 0.69% (As of Aug. 05, 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 ₪143.00
GF Value ₪45.03
Valuation Significantly Overvalued
! 2 Warning Signs
View Full Analysis

What is Ayalon Insurance Co Net Debt Paydown Yield %?

Ayalon Insurance Co XTAE:AYAL -0.76% 52 Net Debt Paydown Yield % is 0.69% as of Aug. 05, 2026. GuruFocus rates XTAE:AYAL with a GF Score™ of 52/100 and a GF Value™ of ₪45.03 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 423 Insurance companies, Ayalon Insurance Co ranks better than 79.91% on this metric.

Net Debt Paydown Yield % is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. It is a measure of a company's willingness and ability to reduce its debt. As of today, Ayalon Insurance Co's Net Debt Paydown Yield % was 0.69%.


Ayalon Insurance Co  (XTAE:AYAL) Net Debt Paydown Yield % Explanation

Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced. In other words, it is a measure of the willingness and ability of a firm's management to pay down debt. Companies that have high debt paydown yields indicate that they are more aggressive with paying down debt.

In the calculation of Net Debt Paydown Yield %, we use the reductions of TTM average total debt one-year-ago and TTM average total debt at present, divided by its Market Cap.

We calculating the TTM average debt by adding up the total debt, calculated by the sum of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation, in the trailing twelve months(TTM) divided by the counts of the total debt, accoring to the company's report frequency.


Ayalon Insurance Co Net Debt Paydown Yield % Related Terms


Ayalon Insurance Co Net Debt Paydown Yield % Historical Data

* Premium members only.

The historical data trend for Ayalon Insurance Co's Net Debt Paydown Yield % 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 Net Debt Paydown Yield % Chart

Ayalon Insurance Co Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Debt Paydown Yield %
Get a 7-Day Free Trial Premium Member Only Premium Member Only -17.22 -16.79 13.84 0.04 1.15

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
Net Debt Paydown Yield % 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 -0.10 0.41 0.59 1.15 0.76

XTAE:AYAL vs BRK.A, AIG, HIG: Net Debt Paydown Yield % Comparison

For the Insurance - Diversified subindustry, Ayalon Insurance Co's Net Debt Paydown Yield %, along with its competitors' market caps and Net Debt Paydown Yield % 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 Net Debt Paydown Yield % vs Insurance Industry

For the Insurance industry and Financial Services sector, Ayalon Insurance Co's Net Debt Paydown Yield % distribution charts can be found below:

* The bar in red indicates where Ayalon Insurance Co's Net Debt Paydown Yield % falls into.


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

Ayalon Insurance Co Net Debt Paydown Yield % Calculation

Ayalon Insurance Co's Net Debt Paydown Yield % for the quarter that ended in Mar. 2026 is calculated as:

Net Debt Paydown Yield %
=( TTM Average Debt   (1-Year Ago))-TTM Average Debt )/Market Cap
=( 731.33-703.35 )/3660.2496
=0.76 %

* 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.

* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Net Debt Paydown Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.

What does a Net Debt Paydown Yield % of 0.69% mean?
Ayalon Insurance Co (XTAE:AYAL) has a Net Debt Paydown Yield % of 0.69% as of Aug. 05, 2026. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on Ayalon Insurance Co and its competitors. According to the industry distribution chart, Ayalon Insurance Co ranks #85 out of 423 companies in the Insurance industry, placing it in the top 20.1%.
Is Ayalon Insurance Co's Net Debt Paydown Yield % too high?
Ayalon Insurance Co's current Net Debt Paydown Yield % is 0.69%. Based on the distribution chart, Ayalon Insurance Co ranks #85 out of 423 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Ayalon Insurance Co has a GF Score™ of 52/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ayalon Insurance Co's Net Debt Paydown Yield % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Ayalon Insurance Co ranks #85 out of 423 companies for Net Debt Paydown Yield %. This places Ayalon Insurance Co in the top 20% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Debt Paydown Yield % for an Insurance company?
A good Net Debt Paydown Yield % depends on the Insurance industry context. However, Net Debt Paydown Yield % 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 Net Debt Paydown Yield % mean?
A high Net Debt Paydown Yield % can signal that a stock is expensive relative to its fundamentals. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on Ayalon Insurance Co and its competitors. Ayalon Insurance Co's current Net Debt Paydown Yield % is 0.69%. 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 ₪45.03, compared to a current price of ₪143.00 — trading 217.6% above its estimated fair value. The current Net Debt Paydown Yield % is 0.69%. Ayalon Insurance Co's overall GF Score™ is 52/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Debt Paydown Yield % calculated?
Net Debt Paydown Yield % is calculated from a company's financial statements. For Ayalon Insurance Co (XTAE:AYAL), the current Net Debt Paydown Yield % is 0.69% as of Aug. 05, 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 ₪143.00 is trading 217.6% above its estimated GF Value™ of ₪45.03. GuruFocus considers Ayalon Insurance Co to be Significantly Overvalued.

Key valuation signals for XTAE:AYAL:

  • Net Debt Paydown Yield %: 0.69%
  • GF Value™: ₪45.03 vs. price of ₪143.00 (217.6% 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

Net Debt Paydown Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₪143.00
Price
₪45.03
GF Value