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	Sep 15, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	20,719	10,332	6,107	6,602	7,535	6,346
Market Cap Growth	214.22%	69.18%	-7.50%	-12.38%	18.74%	9.83%
Enterprise Value	28,334	15,737	4,538	6,390	7,289	6,765
PE Ratio	12.71	10.92	12.59	7.29	6.23	8.77
PS Ratio	0.72	0.38	0.25	0.51	0.28	0.34
PB Ratio	1.86	1.12	0.68	0.79	0.85	0.82
P/FCF Ratio	10.63	-	1.80	3.40	5.24	4.64
P/OCF Ratio	10.43	-	1.76	3.34	5.07	4.49
EV/Sales Ratio	0.99	0.58	0.18	0.49	0.27	0.36
EV/EBITDA Ratio	8.41	7.68	3.27	2.81	4.09	4.69
EV/EBIT Ratio	8.92	8.12	3.56	3.38	4.99	5.87
EV/FCF Ratio	14.54	-	1.34	3.29	5.07	4.94
Debt / Equity Ratio	1.77	2.01	1.22	0.86	0.80	0.78
Debt / EBITDA Ratio	5.90	8.84	7.67	3.17	4.01	4.19
Debt / FCF Ratio	10.13	-	3.22	3.72	4.98	4.41
Quick Ratio	7.43	3.35	4.35	4.36	6.18	8.57
Current Ratio	7.66	3.76	4.95	4.95	6.93	9.52
Asset Turnover	0.19	0.18	0.18	0.10	0.21	0.16
Return on Equity (ROE)	16.69%	10.57%	5.72%	10.57%	14.56%	9.88%
Return on Assets (ROA)	1.28%	0.80%	0.57%	0.87%	0.71%	0.61%
Return on Capital (ROIC)	7.76%	5.10%	4.49%	7.47%	6.12%	5.25%
Earnings Yield	7.94%	9.16%	7.94%	13.72%	16.05%	11.41%
Earnings Yield	7.94%	9.16%	7.94%	13.72%	16.05%	11.41%
FCF Yield	9.41%	-30.04%	55.53%	29.40%	19.07%	21.57%
Dividend Yield	3.86%	4.41%	6.56%	-	6.28%	5.05%
Payout Ratio	27.36%	58.14%	20.62%	44.15%	21.26%	-
Buyback Yield / Dilution	0.44%	1.07%	0.94%	0.94%	0.12%	-
Total Shareholder Return	4.08%	5.48%	7.50%	0.94%	6.41%	5.05%

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