Harel Insurance Investments & Financial Services Ltd (TLV:HARL)

TLV:HARL Balance Sheet

Financials in millions ILS. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Investments in Debt Securities	-	10,083	11,332	14,475	15,977	14,745
Investments in Equity & Preferred Securities	1,467	15,641	14,143	15,416	19,189	14,859
Other Investments	136,841	80,785	70,925	61,804	62,963	54,375
Total Investments	142,455	116,001	101,710	96,363	103,077	88,094
Cash & Equivalents	11,490	9,858	12,466	8,379	7,637	6,373
Reinsurance Recoverable	2,636	5,369	5,605	5,101	5,242	4,340
Other Receivables	5,913	13,662	12,009	13,023	9,889	9,510
Deferred Policy Acquisition Cost	-	3,373	3,114	2,916	2,667	2,513
Property, Plant & Equipment	1,380	1,394	1,391	1,345	1,380	1,380
Goodwill	-	1,282	1,066	1,021	1,013	957
Other Intangible Assets	2,913	1,427	1,237	1,157	1,040	840
Other Current Assets	-	839	807	746	444	371
Long-Term Deferred Tax Assets	34	41	20	21	18	9
Long-Term Deferred Charges	933	131	149	168	191	13
Other Long-Term Assets	-	5,285	5,232	5,031	5,073	5,346
Total Assets	167,754	158,662	144,806	135,271	137,671	119,746
Accounts Payable	-	134	218	223	231	208
Accrued Expenses	-	1,042	815	859	883	692
Insurance & Annuity Liabilities	96,583	116,495	112,896	108,168	112,296	99,307
Unearned Premiums	-	262	212	199	185	193
Reinsurance Payable	587	2,289	2,550	2,245	1,948	1,481
Current Portion of Leases	-	91	76	69	80	74
Short-Term Debt	-	3,745	1,134	661	906	454
Current Income Taxes Payable	173	26	31	23	46	99
Long-Term Debt	22,721	14,614	9,708	6,480	6,164	5,511
Long-Term Deferred Tax Liabilities	1,518	1,083	947	924	1,450	1,200
Other Current Liabilities	9,495	8,167	6,168	6,078	3,381	1,834
Other Long-Term Liabilities	24,982	1,371	835	691	907	674
Total Liabilities	156,207	149,458	135,853	126,884	128,778	111,992
Common Stock	408	392	359	359	359	359
Retained Earnings	11,453	8,456	8,298	7,824	7,292	6,438
Treasury Stock	-532	-430	-304	-237	-163	-123
Comprehensive Income & Other	196	699	540	389	1,373	1,061
Total Common Equity	11,525	9,117	8,893	8,335	8,861	7,735
Minority Interest	22	87	60	52	32	19
Shareholders' Equity	11,547	9,204	8,953	8,387	8,893	7,754
Total Liabilities & Equity	167,754	158,662	144,806	135,271	137,671	119,746
Filing Date Shares Outstanding	205.53	206.71	207.43	211.09	212.89	214.38
Total Common Shares Outstanding	205.53	206.71	207.43	211.09	213.2	214.38
Total Debt	22,721	18,450	10,918	7,210	7,150	6,039
Net Cash (Debt)	-11,231	-8,592	1,548	1,169	487	334
Net Cash Growth	-	-	32.42%	140.04%	45.81%	-
Net Cash Per Share	-54.12	-41.34	7.37	5.51	2.27	1.56
Book Value Per Share	56.07	44.10	42.87	39.49	41.56	36.08
Tangible Book Value	8,612	6,408	6,590	6,157	6,808	5,938
Tangible Book Value Per Share	41.90	31.00	31.77	29.17	31.93	27.70
Land	-	1,298	1,301	1,256	1,269	1,269
Machinery	-	904	867	805	785	785
Leasehold Improvements	-	158	170	166	160	160

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.