TLV:HARL Ratios and Metrics

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

Millions ILS. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Apr '26 Apr 20, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Market Capitalization	37,781	25,576	10,332	6,107	6,602	7,535
Market Cap Growth	180.79%	147.54%	69.18%	-7.50%	-12.38%	18.74%
Enterprise Value	47,427	36,744	15,737	4,538	6,390	7,289
PE Ratio	13.13	8.55	6.47	12.59	7.29	6.23
PS Ratio	1.83	1.24	0.57	0.25	0.51	0.28
PB Ratio	3.10	2.10	1.04	0.68	0.79	0.85
P/FCF Ratio	7.01	4.75	-	1.80	3.40	5.24
P/OCF Ratio	6.96	4.71	-	1.76	3.34	5.07
EV/Sales Ratio	2.29	1.78	0.87	0.18	0.49	0.27
EV/EBITDA Ratio	8.58	6.75	5.35	3.27	2.81	4.09
EV/EBIT Ratio	8.84	6.90	5.57	3.56	3.38	4.99
EV/FCF Ratio	8.81	6.82	-	1.34	3.29	5.07
Debt / Equity Ratio	1.85	1.85	1.85	1.22	0.86	0.80
Debt / EBITDA Ratio	4.12	4.12	6.19	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	0.86	-0.17	-0.14	-0.05
Net Debt / EBITDA Ratio	1.77	1.77	2.92	-1.12	-0.51	-0.27
Net Debt / FCF Ratio	1.79	1.79	-2.77	-0.46	-0.60	-0.34
Quick Ratio	9.81	9.81	6.00	4.35	4.36	6.18
Current Ratio	10.22	10.22	6.25	4.95	4.95	6.93
Asset Turnover	0.13	0.13	0.12	0.18	0.10	0.21
Return on Equity (ROE)	27.04%	27.04%	17.05%	5.72%	10.57%	14.56%
Return on Assets (ROA)	2.08%	2.08%	1.17%	0.57%	0.87%	0.71%
Return on Invested Capital (ROIC)	10.30%	11.25%	8.02%	5.55%	8.32%	6.99%
Earnings Yield	7.91%	11.69%	15.47%	7.94%	13.72%	16.05%
FCF Yield	14.26%	21.06%	-30.05%	55.53%	29.40%	19.07%
Dividend Yield	2.80%	3.68%	4.48%	6.66%	-	6.38%
Payout Ratio	21.74%	21.74%	34.42%	20.62%	44.15%	21.26%
Buyback Yield / Dilution	-2.88%	-2.88%	1.07%	0.94%	0.94%	0.12%
Total Shareholder Return	-0.08%	0.80%	5.55%	7.60%	0.94%	6.50%

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