Harel Insurance Investments & Financial Services Ltd (TLV:HARL)
Israel · Delayed Price · Currency is ILS · Price in ILA 19,540
-430 (-2.15%)
Sep 8, 2026, 5:14 PM IDT
TLV:HARL Financials Overview
Financials in millions ILS. Fiscal year is January - December.
Millions ILS. Fiscal year is Jan - Dec.
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Revenue Revenue Growth | 21,474 | 20,677 | 18,191 | 24,923 | 12,986 | 27,136 |
Revenue Growth | 8.59% | 13.67% | -27.01% | 91.92% | -52.14% | 45.41% |
Operating Income Operating Income Growth | 5,869 | 5,322 | 2,824 | 1,274 | 1,891 | 1,461 |
Net Income Net Income Growth | 3,279 | 2,990 | 1,598 | 485 | 906 | 1,209 |
Earnings Per Share EPS Growth | 15.27 | 13.98 | 7.69 | 2.31 | 4.27 | 5.65 |
EPS Growth | 38.11% | 81.84% | 233.06% | -45.94% | -24.38% | 67.20% |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Life Insurance and Long-Term Savings Life Insurance and Long-Term Savings Growth | 3,724 | 3,503 | 3,120 | - | - | - |
Health Insurance Health Insurance Growth | 7,215 | 6,924 | 5,958 | 6,805 | 5,536 | 6,170 |
General Insurance General Insurance Growth | 6,298 | 6,457 | 6,016 | - | - | - |
Pension Insurance Pension Insurance Growth | 1,078 | 991 | 882 | - | - | - |
Insurance Companies Abroad Insurance Companies Abroad Growth | 675 | 759 | 720 | 522 | 392 | 433 |
Financial Services Financial Services Growth | 1,257 | 1,108 | 716 | 365 | 264 | 254 |
Credit Credit Growth | 644 | 597 | 508 | 317 | 154 | 64 |
Not Attributed to Segments of Operation and Others Not Attributed to Segments of Operation and Others Growth | 843 | 592 | 489 | 290 | 555 | 698 |
Adjustments and Offset Adjustments and Offset Growth | -260 | -254 | -218 | -229 | -149 | -95 |
Total Total Growth | 21,474 | 20,677 | 18,191 | 24,874 | 12,755 | 27,474 |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash & Investments Cash & Investments Growth | 12,060 | 12,976 | 9,858 | 12,466 | 8,379 | 7,637 |
Total Debt Total Debt Growth | 26,374 | 22,630 | 18,451 | 10,918 | 7,210 | 7,150 |
Net Cash (Debt) Net Cash Growth | -14,314 | -9,654 | -8,593 | 1,548 | 1,169 | 487 |
Net Cash Growth | - | - | - | 32.42% | 140.04% | 45.81% |
Net Cash Per Share Net Cash Per Share Growth | -66.68 | -45.15 | -41.34 | 7.37 | 5.51 | 2.27 |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Operating Cash Flow Operating Cash Flow Growth | 2,638 | 5,427 | -3,060 | 3,472 | 1,976 | 1,486 |
Capital Expenditures CapEx Growth | -39 | -41 | -45 | -81 | -35 | -49 |
Free Cash Flow Free Cash Flow Growth | 2,599 | 5,386 | -3,105 | 3,391 | 1,941 | 1,437 |
Free Cash Flow Growth | 33.42% | - | - | 74.70% | 35.07% | 4.97% |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Operating Margin | 27.33% | 25.74% | 15.52% | 5.11% | 14.56% | 5.38% |
Pretax Margin | 23.10% | 21.69% | 12.93% | 2.58% | 10.10% | 6.26% |
Profit Margin | 15.27% | 14.46% | 8.79% | 1.95% | 6.98% | 4.46% |
FCF Margin | 12.10% | 26.05% | -17.07% | 13.61% | 14.95% | 5.30% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 8, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Dividend Per Share Dividend Per Share Growth | 5.140 | 4.510 | 2.183 | 1.687 | - | 1.878 |
Dividend Per Share Growth | 120.81% | 106.56% | 29.40% | - | - | 56.50% |
Dividend Yield | 2.60% | 3.78% | 4.59% | 6.83% | - | 6.54% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 8, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
PE Ratio | 13.08 | 8.55 | 6.47 | 12.59 | 7.29 | 6.23 |
Forward PE | - | 10.18 | 7.43 | 7.14 | 10.41 | 10.41 |
P/FCF Ratio | 15.79 | 4.75 | - | 1.80 | 3.40 | 5.24 |
PS Ratio | 1.91 | 1.24 | 0.57 | 0.25 | 0.51 | 0.28 |