Ayalon Insurance Company Ltd / Fundamentals

    Income statement

    Net revenue
    €1.05B
    Cost of goods sold
    €0.00
    Gross profit
    €1.05B
    SG&A expenses
    -€22.84M
    R&D expenses
    €0.00
    EBITDA
    €159.28M
    D&A
    €25.76M
    EBIT
    €113.04M
    Interest expenses
    €33.98M
    EBT
    €99.54M
    Tax expenses
    €34.17M
    Net income
    €65.45M

    Cash flow statement

    Net deferred tax
    €0.00
    Non-cash items
    -€62.88M
    Changes in working capital
    €93.10M
    Operating cash flow
    €121.34M
    Capex
    €33.30M
    Other investing cash flow
    -€30.78M
    Net investing cash flow
    -€32.24M
    Total cash dividends paid
    -€7.83M
    Issuance of common stock
    €0.00
    Debt repayment
    -€39.74M
    Other financing cash flow
    €16.33M
    Net financing cash flow
    -€31.24M
    Foreign exchange effects
    €0.00
    Net change in cash
    €57.86M
    Cash at end of period
    €243.18M
    Free cash flow
    €154.65M

    Balance sheet

    Cash and cash equivalents
    €243.18M
    Cash and short-term investments
    €243.18M
    Total receivables
    €41.37M
    Inventory
    €0.00
    Other current assets
    -€284.55M
    Total current assets
    €0.00
    Property, plant & equipment
    €50.47M
    Goodwill
    €0.00
    Intangible assets
    €101.13M
    Long-term investments
    €3.01B
    Other non-current assets
    -€3.17B
    Total non-current assets
    €0.00
    Total assets
    €4.70B
    Accounts payable
    €0.00
    Short-term debt
    €0.00
    Other current liabilities
    -€9.78M
    Total current liabilities
    €0.00
    Long-term debt
    €185.52M
    Deferred tax liabilities
    €48.72M
    Other non-current liabilities
    -€234.24M
    Total non-current liabilities
    €0.00
    Total liabilities
    €4.37B
    Common stock
    €69.61M
    Retained earnings
    €230.63M
    Other equity
    €0.00
    Total equity
    €330.32M
    Total liabilities and shareholders' equity
    €4.70B

    Company information

    Market capitalization
    €1.33B
    Employees
    1.4K
    Enterprise Value
    €1.38B

    Company ratios

    Gross margin
    100.0% Even with peer group: 102.2%
    EBITDA margin
    15.2% Even with peer group: 10.2%
    EBIT margin
    10.8% Worse than peer group: 25.2%
    EBT margin
    9.5% Even with peer group: 8.6%
    Net margin
    6.2% Even with peer group: 5.7%
    ROE
    19.8% Better than peer group: 12.3%
    ROA
    1.4% Even with peer group: 0.8%
    Asset turnover
    22.3% Even with peer group: 18.2%
    FCF margin
    8.4% Even with peer group: 4.8%
    FCF yield
    6.6%
    Efficiency ratio
    84.8%
    Net sales per employee
    €751.87K
    Net income per employee
    €46.99K

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