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

TLV:HARL Ratios and Metrics

Market cap in millions ILS. Fiscal year is January - December.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Nov 25, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	25,096	10,332	6,107	6,602	7,535	6,346
Market Cap Growth	211.99%	69.18%	-7.50%	-12.38%	18.74%	9.83%
Enterprise Value	36,349	15,737	4,538	6,390	7,289	6,765
PE Ratio	11.90	10.92	12.59	7.29	6.23	8.77
PS Ratio	0.97	0.38	0.25	0.51	0.28	0.34
PB Ratio	2.17	1.12	0.68	0.79	0.85	0.82
P/FCF Ratio	12.33	-	1.80	3.40	5.24	4.64
P/OCF Ratio	12.09	-	1.76	3.34	5.07	4.49
EV/Sales Ratio	1.40	0.58	0.18	0.49	0.27	0.36
EV/EBITDA Ratio	8.70	7.68	3.27	2.81	4.09	4.69
EV/EBIT Ratio	9.21	8.12	3.56	3.38	4.99	5.87
EV/FCF Ratio	17.86	-	1.34	3.29	5.07	4.94
Debt / Equity Ratio	1.97	2.01	1.22	0.86	0.80	0.78
Debt / EBITDA Ratio	5.46	8.84	7.67	3.17	4.01	4.19
Debt / FCF Ratio	11.17	-	3.22	3.72	4.98	4.41
Quick Ratio	1.70	3.35	4.35	4.36	6.18	8.57
Current Ratio	1.95	3.76	4.95	4.95	6.93	9.52
Asset Turnover	0.16	0.18	0.18	0.10	0.21	0.16
Return on Equity (ROE)	20.74%	10.57%	5.72%	10.57%	14.56%	9.88%
Return on Assets (ROA)	1.53%	0.80%	0.57%	0.87%	0.71%	0.61%
Return on Capital (ROIC)	8.53%	5.10%	4.49%	7.47%	6.12%	5.25%
Earnings Yield	8.46%	9.16%	7.94%	13.72%	16.05%	11.41%
FCF Yield	8.11%	-30.04%	55.53%	29.40%	19.07%	21.57%
Dividend Yield	3.17%	4.41%	6.56%	-	6.28%	5.05%
Payout Ratio	30.62%	58.14%	20.62%	44.15%	21.26%	-
Buyback Yield / Dilution	0.42%	1.07%	0.94%	0.94%	0.12%	-
Total Shareholder Return	3.47%	5.48%	7.50%	0.94%	6.41%	5.05%

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