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	Feb 17, 2026	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	34,138	10,332	6,107	6,602	7,535	6,346
Market Cap Growth	201.02%	69.18%	-7.50%	-12.38%	18.74%	9.83%
Enterprise Value	45,306	15,737	4,538	6,390	7,289	6,765
PE Ratio	18.42	10.92	12.59	7.29	6.23	8.77
PS Ratio	1.18	0.38	0.25	0.51	0.28	0.34
PB Ratio	2.96	1.12	0.68	0.79	0.85	0.82
P/FCF Ratio	16.78	-	1.80	3.40	5.24	4.64
P/OCF Ratio	16.45	-	1.76	3.34	5.07	4.49
EV/Sales Ratio	1.56	0.58	0.18	0.49	0.27	0.36
EV/EBITDA Ratio	11.73	7.68	3.27	2.81	4.09	4.69
EV/EBIT Ratio	12.45	8.12	3.56	3.38	4.99	5.87
EV/FCF Ratio	22.26	-	1.34	3.29	5.07	4.94
Debt / Equity Ratio	1.96	2.01	1.22	0.86	0.80	0.78
Debt / EBITDA Ratio	5.89	8.84	7.67	3.17	4.01	4.19
Debt / FCF Ratio	11.12	-	3.22	3.72	4.98	4.41
Net Debt / Equity Ratio	0.97	0.93	-0.17	-0.14	-0.05	-0.04
Net Debt / EBITDA Ratio	2.93	4.19	-1.12	-0.51	-0.27	-0.23
Net Debt / FCF Ratio	5.48	-2.77	-0.46	-0.60	-0.34	-0.24
Quick Ratio	6.66	3.35	4.35	4.36	6.18	8.57
Current Ratio	6.87	3.76	4.95	4.95	6.93	9.52
Asset Turnover	0.18	0.18	0.18	0.10	0.21	0.16
Return on Equity (ROE)	18.27%	10.57%	5.72%	10.57%	14.56%	9.88%
Return on Assets (ROA)	1.41%	0.80%	0.57%	0.87%	0.71%	0.61%
Return on Invested Capital (ROIC)	7.61%	5.78%	5.55%	8.32%	6.99%	5.96%
Earnings Yield	5.48%	9.16%	7.94%	13.72%	16.05%	11.41%
FCF Yield	5.96%	-30.04%	55.53%	29.40%	19.07%	21.57%
Dividend Yield	2.36%	4.41%	6.56%	-	6.28%	5.05%
Payout Ratio	34.76%	58.14%	20.62%	44.15%	21.26%	-
Buyback Yield / Dilution	0.34%	1.07%	0.94%	0.94%	0.12%	-
Total Shareholder Return	2.70%	5.48%	7.50%	0.94%	6.41%	5.05%

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