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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 27, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Capitalization	35,089	25,576	10,332	6,107	6,602	7,535
Market Cap Growth	175.70%	147.54%	69.18%	-7.50%	-12.38%	18.74%
Enterprise Value	44,746	36,744	15,737	4,538	6,390	7,289
PE Ratio	12.20	8.55	10.92	12.59	7.29	6.23
PS Ratio	1.70	1.24	0.38	0.25	0.51	0.28
PB Ratio	2.88	2.10	1.12	0.68	0.79	0.85
P/FCF Ratio	6.51	4.75	-	1.80	3.40	5.24
P/OCF Ratio	6.47	4.71	-	1.76	3.34	5.07
EV/Sales Ratio	2.16	1.78	0.58	0.18	0.49	0.27
EV/EBITDA Ratio	7.59	6.28	7.68	3.27	2.81	4.09
EV/EBIT Ratio	8.30	6.88	8.12	3.56	3.38	4.99
EV/FCF Ratio	8.31	6.82	-	1.34	3.29	5.07
Debt / Equity Ratio	1.85	1.85	2.01	1.22	0.86	0.80
Debt / EBITDA Ratio	3.86	3.86	8.84	7.67	3.17	4.01
Debt / FCF Ratio	4.20	4.20	-	3.22	3.72	4.98
Net Debt / Equity Ratio	0.79	0.79	0.93	-0.17	-0.14	-0.05
Net Debt / EBITDA Ratio	1.65	1.65	4.19	-1.12	-0.51	-0.27
Net Debt / FCF Ratio	1.79	1.79	-2.77	-0.46	-0.60	-0.34
Quick Ratio	4.69	4.69	3.35	4.35	4.36	6.18
Current Ratio	5.34	5.34	3.76	4.95	4.95	6.93
Asset Turnover	0.13	0.13	0.18	0.18	0.10	0.21
Return on Equity (ROE)	27.99%	27.99%	10.57%	5.72%	10.57%	14.56%
Return on Assets (ROA)	2.07%	2.07%	0.80%	0.57%	0.87%	0.71%
Return on Invested Capital (ROIC)	10.34%	11.42%	5.78%	5.55%	8.32%	6.99%
Earnings Yield	8.52%	11.69%	9.16%	7.94%	13.72%	16.05%
FCF Yield	15.35%	21.06%	-30.04%	55.53%	29.40%	19.07%
Dividend Yield	2.18%	-	4.41%	6.56%	-	6.28%
Payout Ratio	21.74%	21.74%	58.14%	20.62%	44.15%	21.26%
Buyback Yield / Dilution	-3.86%	-2.90%	1.07%	0.94%	0.94%	0.12%
Total Shareholder Return	-1.68%	-2.90%	5.48%	7.50%	0.94%	6.41%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.