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	Jan 29, 2026	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	27,760	10,332	6,107	6,602	7,535	6,346
Market Cap Growth	156.68%	69.18%	-7.50%	-12.38%	18.74%	9.83%
Enterprise Value	38,928	15,737	4,538	6,390	7,289	6,765
PE Ratio	14.99	10.92	12.59	7.29	6.23	8.77
PS Ratio	0.96	0.38	0.25	0.51	0.28	0.34
PB Ratio	2.40	1.12	0.68	0.79	0.85	0.82
P/FCF Ratio	13.64	-	1.80	3.40	5.24	4.64
P/OCF Ratio	13.38	-	1.76	3.34	5.07	4.49
EV/Sales Ratio	1.34	0.58	0.18	0.49	0.27	0.36
EV/EBITDA Ratio	10.08	7.68	3.27	2.81	4.09	4.69
EV/EBIT Ratio	10.70	8.12	3.56	3.38	4.99	5.87
EV/FCF Ratio	19.13	-	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
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	6.74%	9.16%	7.94%	13.72%	16.05%	11.41%
FCF Yield	7.33%	-30.04%	55.53%	29.40%	19.07%	21.57%
Dividend Yield	2.87%	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	3.14%	5.48%	7.50%	0.94%	6.41%	5.05%

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