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Harel Insurance Investments & Financial Services Ltd. (IL:HARL)
TASE:HARL

Harel (HARL) Price & Analysis

9 Followers

HARL Stock Chart & Stats

16180.00
-0.91(-1.75%)
At close: 4:00 PM EST
16180.00
-0.91(-1.75%)

Bulls Say, Bears Say

Bulls Say
Profitability ReboundA meaningful step-up in TTM profitability and margins indicates the core insurance operations and underwriting have improved. Higher recurring profits strengthen internal capital generation, support reinvestment and claims reserves, and raise the baseline durability of earnings over coming quarters.
High Return On EquityA ~22.8% ROE signals efficient use of shareholder capital and competitive underwriting or investment returns. Sustained high ROE supports organic capital formation and can fund growth or dividends, reflecting managerial competence in deploying equity over a multimonth horizon.
Rebounded Cash GenerationA substantial rebound in operating and free cash flow improves the company’s ability to fund operations, pay claims, invest in growth, and reduce reliance on external financing. Strong cash generation enhances financial flexibility over the medium term if underwriting stays stable.
Bears Say
Elevated LeverageLeverage around 2.0 materially increases financial risk by amplifying earnings volatility and raising interest exposure. With a debt-heavy structure, the firm has reduced flexibility to absorb underwriting shocks, making capital management and refinancing more sensitive to market conditions.
Historic Earnings And Cash VolatilityA history of sharp revenue and profit swings undermines predictability of underwriting outcomes and investment returns. Persistent volatility complicates reserve planning and capital allocation, raising the chance current profitability could revert absent structural changes.
Earnings-to-cash Conversion ShortfallWhen FCF covers ~78% of reported net income, a meaningful portion of earnings isn't realized as cash. That gap reduces internal funding for growth or debt repayment and increases reliance on external liquidity, a concern given the company's elevated leverage profile.

HARL FAQ

What was Harel Insurance Investments & Financial Services Ltd.’s price range in the past 12 months?
Harel Insurance Investments & Financial Services Ltd. lowest stock price was 5016.74 and its highest was 20440.00 in the past 12 months.
    What is Harel Insurance Investments & Financial Services Ltd.’s market cap?
    Harel Insurance Investments & Financial Services Ltd.’s market cap is ₪34.68B.
      When is Harel Insurance Investments & Financial Services Ltd.’s upcoming earnings report date?
      Harel Insurance Investments & Financial Services Ltd.’s upcoming earnings report date is Jun 03, 2026 which is in 58 days.
        How were Harel Insurance Investments & Financial Services Ltd.’s earnings last quarter?
        Harel Insurance Investments & Financial Services Ltd. released its earnings results on Mar 26, 2026. The company reported 352.2 earnings per share for the quarter, the consensus estimate of 352.2 by 0.
          Is Harel Insurance Investments & Financial Services Ltd. overvalued?
          According to Wall Street analysts Harel Insurance Investments & Financial Services Ltd.’s price is currently Overvalued. Get more investment ideas with TipRanks Premium
            Does Harel Insurance Investments & Financial Services Ltd. pay dividends?
            Harel Insurance Investments & Financial Services Ltd. pays a Semiannually dividend of 194 which represents an annual dividend yield of 2.21%. See more information on Harel Insurance Investments & Financial Services Ltd. dividends here
              What is Harel Insurance Investments & Financial Services Ltd.’s EPS estimate?
              Harel Insurance Investments & Financial Services Ltd.’s EPS estimate for its next earnings report is not yet available.
              How many shares outstanding does Harel Insurance Investments & Financial Services Ltd. have?
              Harel Insurance Investments & Financial Services Ltd. has 205,799,940 shares outstanding.
                What happened to Harel Insurance Investments & Financial Services Ltd.’s price movement after its last earnings report?
                Harel Insurance Investments & Financial Services Ltd. reported an EPS of 352.2 in its last earnings report, expectations of 352.2. Following the earnings report the stock price went down -1.958%.
                  Which hedge fund is a major shareholder of Harel Insurance Investments & Financial Services Ltd.?
                  Currently, no hedge funds are holding shares in IL:HARL
                  What is the TipRanks Smart Score and how is it calculated?
                  Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

                    Company Description

                    Harel Insurance Investments & Financial Services Ltd.

                    Harel Insurance Investments & Financial Services Ltd offers insurance and financial services in Israel, the United States, and Western Europe. The company operates through five segments: Life Assurance and Long-Term Savings, Health Insurance, Non-life insurance, Insurance Companies Overseas, and Capital Market and Financial Services. It offers various classes of life insurance products, which provide coverage for risks, such as death, disability, work disability, and critical illness; and long-term saving products, as well as manages pension and provident funds. The company also provides health insurance that provides coverage for illness and hospitalization, and personal accident; travel insurance, insurance for foreign workers, and insurance for tourists; and dental insurance for conservative, periodontal, orthodontic, and oral rehabilitation treatments. In addition, it offers motor property insurance; professional liability insurance for investment consultants, portfolio managers, attorneys, engineers, architects, and accountants; insurance for clinical trials; directors and officers liability insurance; liability insurance for defective products; cyber insurance; third-party liability insurance; employers' liability insurance; and credit insurance for mortgages. Further, it provides fire and theft, homeowners, terrorism, cash in transit, goods in transit, electronic equipment, agricultural, mechanical engineering equipment, mechanical failure, and homebuyers insurance products as well as insurance for building work and various projects by contractors. Additionally, it manages mutual funds and investment portfolios; and offers certificates of deposit and private equity funds. The company was founded in 1933 and is based in Ramat Gan, Israel.

                    Harel (HARL) Earnings & Revenues

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