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Harel Insurance Investments & Financial Services Ltd. (HAHRF)
OTHER OTC:HAHRF
US Market

Harel (HAHRF) Ratios

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Harel Ratios

HAHRF's free cash flow for Q3 2025 was ₪0.96. For the 2025 fiscal year, HAHRF's free cash flow was decreased by ₪ and operating cash flow was ₪0.20. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
0.00 0.00 0.00 0.00 0.00
Quick Ratio
0.00 0.00 0.00 0.00 0.00
Cash Ratio
0.00 0.00 0.00 0.00 0.00
Solvency Ratio
0.02 <0.01 <0.01 0.01 0.01
Operating Cash Flow Ratio
0.00 0.00 0.00 0.00 0.00
Short-Term Operating Cash Flow Coverage
6.42 -1.23 7.78 6.31 2.80
Net Current Asset Value
₪ -156.21B₪ -146.04B₪ -109.36B₪ -102.00B₪ -102.53B
Leverage Ratios
Debt-to-Assets Ratio
0.14 0.12 0.08 0.05 0.05
Debt-to-Equity Ratio
1.97 2.03 1.23 0.87 0.81
Debt-to-Capital Ratio
0.66 0.67 0.55 0.47 0.45
Long-Term Debt-to-Capital Ratio
0.66 0.64 0.54 0.45 0.42
Financial Leverage Ratio
14.56 17.40 16.28 16.23 15.54
Debt Service Coverage Ratio
3.29 0.66 1.53 2.44 2.22
Interest Coverage Ratio
4.35 2.09 1.38 3.55 5.82
Debt to Market Cap
0.64 1.76 1.79 1.10 0.93
Interest Debt Per Share
114.24 92.46 54.34 36.06 34.73
Net Debt to EBITDA
-2.12 3.53 -0.99 -0.53 -0.21
Profitability Margins
Gross Profit Margin
98.80%91.05%100.00%84.36%93.44%
EBIT Margin
15.61%7.37%4.45%13.24%7.24%
EBITDA Margin
17.52%9.03%6.17%16.28%8.41%
Operating Profit Margin
12.69%4.99%2.58%10.33%6.18%
Pretax Profit Margin
12.69%4.99%2.58%10.33%6.18%
Net Profit Margin
8.56%3.48%1.95%7.14%4.40%
Continuous Operations Profit Margin
8.58%3.54%2.00%7.20%4.41%
Net Income Per EBT
67.44%69.82%75.55%69.11%71.20%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.43%0.60%0.33%0.67%0.88%
Return on Equity (ROE)
22.82%10.38%5.45%10.87%13.64%
Return on Capital Employed (ROCE)
2.12%0.85%0.44%0.97%1.23%
Return on Invested Capital (ROIC)
746.13%0.60%0.19%0.60%0.77%
Return on Tangible Assets
1.46%0.61%0.34%0.68%0.89%
Earnings Yield
6.80%9.06%7.98%13.77%15.98%
Efficiency Ratios
Receivables Turnover
16.53 7.94 0.00 0.00 0.00
Payables Turnover
0.00 4.24 0.00 3.44 3.12
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
19.14 19.48 17.87 9.43 19.92
Asset Turnover
0.17 0.17 0.17 0.09 0.20
Working Capital Turnover Ratio
0.00 1.82 0.97 0.50 1.14
Cash Conversion Cycle
22.09 -40.21 0.00 -106.15 -116.95
Days of Sales Outstanding
22.09 45.97 0.00 0.00 0.00
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
0.00 86.18 0.00 106.15 116.95
Operating Cycle
22.09 45.97 0.00 0.00 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
10.10 -14.77 16.52 9.31 6.94
Free Cash Flow Per Share
7.86 -17.02 14.38 7.56 5.29
CapEx Per Share
2.24 2.25 2.15 1.75 1.65
Free Cash Flow to Operating Cash Flow
0.78 1.15 0.87 0.81 0.76
Dividend Paid and CapEx Coverage Ratio
1.87 -3.01 6.30 2.56 2.43
Capital Expenditure Coverage Ratio
4.51 -6.56 7.70 5.31 4.20
Operating Cash Flow Coverage Ratio
0.09 -0.17 0.32 0.27 0.21
Operating Cash Flow to Sales Ratio
0.07 -0.11 0.14 0.16 0.05
Free Cash Flow Yield
4.57%-33.77%49.70%24.38%14.96%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
14.70 11.03 12.53 7.26 6.26
Price-to-Sales (P/S) Ratio
1.26 0.38 0.24 0.52 0.28
Price-to-Book (P/B) Ratio
3.07 1.14 0.68 0.79 0.85
Price-to-Free Cash Flow (P/FCF) Ratio
21.91 -2.96 2.01 4.10 6.68
Price-to-Operating Cash Flow Ratio
17.03 -3.41 1.75 3.33 5.09
Price-to-Earnings Growth (PEG) Ratio
0.59 0.11 -0.27 -0.30 0.09
Price-to-Fair Value
3.07 1.14 0.68 0.79 0.85
Enterprise Value Multiple
5.07 7.78 2.98 2.66 3.06
Enterprise Value
24.95B 19.08B 4.57B 5.48B 7.07B
EV to EBITDA
5.07 7.78 2.98 2.66 3.06
EV to Sales
0.89 0.70 0.18 0.43 0.26
EV to Free Cash Flow
15.45 -5.41 1.51 3.42 6.25
EV to Operating Cash Flow
12.02 -6.24 1.32 2.77 4.76
Tangible Book Value Per Share
42.01 30.72 30.94 28.50 31.05
Shareholders’ Equity Per Share
56.07 44.01 42.32 39.28 41.38
Tax and Other Ratios
Effective Tax Rate
0.32 0.29 0.23 0.30 0.29
Revenue Per Share
136.61 131.10 118.30 59.80 128.37
Net Income Per Share
11.69 4.57 2.31 4.27 5.65
Tax Burden
0.67 0.70 0.76 0.69 0.71
Interest Burden
0.81 0.68 0.58 0.78 0.85
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
-0.02 0.03 0.02 0.04 0.02
Stock-Based Compensation to Revenue
<0.01 <0.01 <0.01 <0.01 <0.01
Income Quality
0.86 -3.19 7.00 2.16 1.23
Currency in ILS