Harel Insurance Investments & Financial Services Ltd (TLV:HARL)

Israel · Delayed Price · Currency is ILS · Price in ILA

19,630

-340 (-1.70%)

Sep 8, 2026, 5:29 PM IDT

TLV:HARL Ratios and Metrics

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

Millions ILS. Fiscal year is Jan - Dec.

Total Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 8, 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	41,035	25,576	10,332	6,107	6,602	7,535
Market Cap Growth	75.21%	147.54%	69.18%	-7.50%	-12.38%	18.74%
Enterprise Value	55,369	36,744	15,737	4,538	6,390	7,289

Price Ratios

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 8, 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
PE Ratio	13.08	8.55	6.47	12.59	7.29	6.23
PS Ratio	1.91	1.24	0.57	0.25	0.51	0.28
PB Ratio	3.24	2.10	1.04	0.68	0.79	0.85
P/FCF Ratio	15.79	4.75	-	1.80	3.40	5.24
P/OCF Ratio	15.56	4.71	-	1.76	3.34	5.07

EV Ratios

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 8, 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
EV/Sales Ratio	2.58	1.78	0.87	0.18	0.49	0.27
EV/EBITDA Ratio	9.07	6.75	5.35	3.27	2.81	4.09
EV/EBIT Ratio	9.32	6.90	5.57	3.56	3.38	4.99
EV/FCF Ratio	21.30	6.82	-	1.34	3.29	5.07

Financial Efficiency

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 8, 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
Debt / Equity Ratio	2.08	1.86	1.85	1.22	0.86	0.80
Debt / EBITDA Ratio	4.37	4.13	6.19	7.67	3.17	4.01
Debt / FCF Ratio	10.15	4.20	-	3.22	3.72	4.98
Net Debt / Equity Ratio	1.13	0.79	0.86	-0.17	-0.14	-0.05
Net Debt / EBITDA Ratio	2.39	1.77	2.92	-1.12	-0.51	-0.27
Net Debt / FCF Ratio	5.51	1.79	-2.77	-0.46	-0.60	-0.34
Quick Ratio	8.78	9.77	6.00	4.35	4.36	6.18
Current Ratio	9.08	10.18	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)	27.61%	27.04%	17.05%	5.72%	10.57%	14.56%
Return on Assets (ROA)	2.18%	2.08%	1.17%	0.57%	0.87%	0.71%
Return on Invested Capital (ROIC)	10.34%	11.24%	8.02%	5.55%	8.32%	6.99%

Yields

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 8, 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
Earnings Yield	7.99%	11.69%	15.47%	7.94%	13.72%	16.05%
FCF Yield	6.33%	21.06%	-30.05%	55.53%	29.40%	19.07%
Dividend Yield	2.60%	3.78%	4.59%	6.83%	-	6.54%
Payout Ratio	28.39%	21.74%	34.42%	20.62%	44.15%	21.26%
Buyback Yield / Dilution	-3.34%	-2.88%	1.07%	0.94%	0.94%	0.12%
Total Shareholder Return	-0.74%	0.90%	5.66%	7.77%	0.94%	6.67%