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Ayalon Insurance CoXTAE:AYAL 52 Return-on-Tangible-Equity is 27.80% as of Mar. 2026, which is 301% above its 10-year median of 6.94. GuruFocus rates XTAE:AYAL with a GF Score™ of 52/100 and a GF Value™ of ₪44.88 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 499 Insurance companies, Ayalon Insurance Co ranks better than 90.78% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Ayalon Insurance Co's annualized net income for the quarter that ended in Mar. 2026 was ₪326 Mil. Ayalon Insurance Co's average shareholder tangible equity for the quarter that ended in Mar. 2026 was ₪1,173 Mil. Therefore, Ayalon Insurance Co's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 27.80%.
The historical rank and industry rank for Ayalon Insurance Co's Return-on-Tangible-Equity or its related term are showing as below:
XTAE:AYAL'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -24.49 Med: 6.94 Max: 46.02
Current: 44.9
During the past 13 years, Ayalon Insurance Co's highest Return-on-Tangible-Equity was 46.02%. The lowest was -24.49%. And the median was 6.94%.
XTAE:AYAL's Return-on-Tangible-Equity is ranked better than 90.78% of 499
companies
in the Insurance industry
Industry Median: 13.51
vs XTAE:AYAL: 44.90
Ayalon Insurance Co (XTAE:AYAL) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Ayalon Insurance Co Return-on-Tangible-Equity Related Terms
Ayalon Insurance Co Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Ayalon Insurance Co's Return-on-Tangible-Equity 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 Return-on-Tangible-Equity Chart
XTAE:AYAL vs BRK.A, AIG, HIG: Return-on-Tangible-Equity Comparison
For the Insurance - Diversified subindustry, Ayalon Insurance Co's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Ayalon Insurance Co's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Ayalon Insurance Co's Return-on-Tangible-Equity 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 Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 27.80% mean?
Ayalon Insurance Co (XTAE:AYAL) has a Return-on-Tangible-Equity of 27.80% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Ayalon Insurance Co and its competitors. This is 301% above median its historical median of 6.94. According to the industry distribution chart, Ayalon Insurance Co ranks #46 out of 499 companies in the Insurance industry, placing it in the top 9.2%.
Is Ayalon Insurance Co's Return-on-Tangible-Equity too high?
Ayalon Insurance Co's current Return-on-Tangible-Equity of 27.80% is 301% above median its 10-year median of 6.94. The Insurance industry median Return-on-Tangible-Equity is 13.51. Ayalon Insurance Co's value of 27.80% is 105.8% above this industry median. Based on the distribution chart, Ayalon Insurance Co ranks #46 out of 499 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 Return-on-Tangible-Equity compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Ayalon Insurance Co ranks #46 out of 499 companies for Return-on-Tangible-Equity. This places Ayalon Insurance Co in the top 9% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 13.51. Ayalon Insurance Co's value of 27.80% is 105.8% above this benchmark. While the company's 10-year median is 6.94 vs. the industry median of 13.51, 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 Return-on-Tangible-Equity for an Insurance company?
The median Return-on-Tangible-Equity among Insurance companies is 13.51, based on 499 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ayalon Insurance Co's current Return-on-Tangible-Equity of 27.80% is 105.8% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Ayalon Insurance Co and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.51 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ayalon Insurance Co's current Return-on-Tangible-Equity is 27.80%, which is 301% above median its own 10-year median of 6.94. 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 ₪44.88, compared to a current price of ₪143.60 — trading 220% above its estimated fair value. The current Return-on-Tangible-Equity is 27.80%, which is 301% above median its 10-year median of 6.94 and 105.8% above the Insurance industry median of 13.51. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Ayalon Insurance Co (XTAE:AYAL), the current Return-on-Tangible-Equity is 27.80% 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 ₪143.60 is trading 220% above its estimated GF Value™ of ₪44.88.
GuruFocus considers Ayalon Insurance Co to be Significantly Overvalued.
Key valuation signals for XTAE:AYAL:
Return-on-Tangible-Equity: 27.80% (301% above median its 10-year median of 6.94)
GF Value™: ₪44.88 vs. price of ₪143.60 (220% above fair value)
Industry Position: 105.8% above the Insurance median (#46 of 499)
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.
52GF Score
Get the complete analysis for XTAE:AYAL
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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