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HARL Stock Chart & Stats
16180.00
-0.91(-1.75%)
At close: 4:00 PM EST
16180.00
-0.91(-1.75%)
Day’s Range― - ―
52-Week Range9,043.25 - 20,616.26
Previous CloseN/A
Volume486.90K
Average Volume (3M)491.74K
Market Cap
₪34.23B
Enterprise Value30.19B
Total Cash (Recent Filing)₪26.66B
Total Debt (Recent Filing)₪23.95B
Price to Earnings (P/E)11.2
Beta1.54
Next Earnings
Nov 30, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.21%
Share Statistics
EPS (TTM)14.81
Shares Outstanding205,592,650
10 Day Avg. Volume470,172
30 Day Avg. Volume491,739
Financial Highlights & Ratios
PEG Ratio0.04
Price to Book (P/B)2.09
Price to Sales (P/S)0.83
P/FCF Ratio4.68
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)13.83
Revenue Forecast (FY)₪15.11B
Bulls Say, Bears Say
Bulls Say
Diversified Business ModelHarel’s mix of insurance underwriting, long-term savings/pension fees and investment income creates multiple recurring revenue streams. This structural diversification reduces reliance on any single product or cycle, supporting more stable fee and premium flows over a multi-month horizon.
Strong Profitability And Rising ROESustained double-digit operating and net margins alongside improving ROE reflect effective underwriting, cost control and capital deployment. Higher returns on equity indicate durable earnings power and management’s ability to extract value from the equity base over the medium term.
Positive Free Cash Flow And Earnings AlignmentFree cash flow in the TTM and strong alignment with net income indicate earnings are largely converted to cash, supporting operational resilience, reinvestment and shareholder distributions. This cash conversion quality underpins medium-term financial flexibility despite episodic swings.
Bears Say
Elevated LeverageRelatively high debt-to-equity increases balance-sheet risk and limits financial flexibility if underwriting or investment conditions deteriorate. Elevated leverage raises interest and refinancing exposure, making capital management and solvency buffers more critical over the medium term.
Revenue VolatilityLarge swings in top-line reflect sensitivity to underwriting cycles, policy flows and market-driven investment results. Such volatility complicates multi-month planning for reserves, expenses and growth initiatives, increasing earnings uncertainty despite solid margins when conditions are favorable.
Volatile Cash GenerationMaterial year-to-year FCF swings indicate working capital, investment or claims timing can materially affect liquidity. This episodic cash volatility can strain capital allocation, raise likelihood of external funding needs, and reduce predictability of dividends or buybacks over the medium term.
Harel News
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 9043.25 and its highest was 20616.26 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 ₪34.23B.
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 Nov 30, 2026 which is in 146 days.
How were Harel Insurance Investments & Financial Services Ltd.’s earnings last quarter?
Harel Insurance Investments & Financial Services Ltd. released its earnings results on May 27, 2026. The company reported 262 earnings per share for the quarter, missing the consensus estimate of 339.5 by -77.5.
Is Harel Insurance Investments & Financial Services Ltd. overvalued?
According to Wall Street analysts Harel Insurance Investments & Financial Services Ltd.’s price is currently Overvalued.
Does Harel Insurance Investments & Financial Services Ltd. pay dividends?
Harel Insurance Investments & Financial Services Ltd. pays a Semiannually dividend of 182.25 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 205,592,650 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 262 in its last earnings report, missing expectations of 339.5. Following the earnings report the stock price went down -2.765%.
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, established in 1933 and headquartered in Ramat Gan, Israel, is a leading provider of insurance and financial products operating across Israel, the United States, and Western Europe. The company structures its extensive operations into five primary divisions: Life Assurance and Long-Term Savings, Health Insurance, General Insurance, International Insurance Operations, and Capital Market and Financial Services. Within its Life Assurance and Long-Term Savings division, Harel offers a comprehensive suite of life insurance policies designed to cover various risks, including mortality, diverse forms of disability (both general and work-related), and critical illnesses. This segment also provides long-term savings solutions and oversees the management of pension and provident funds. The Health Insurance segment delivers coverage for medical conditions, hospital stays, and personal accidents. It extends to specialized policies for travelers, foreign workers, and tourists, alongside comprehensive dental insurance that encompasses preventative care, periodontal treatment, orthodontics, and oral rehabilitation. Harel's diverse General Insurance portfolio includes motor vehicle property coverage; professional indemnity for a wide array of professionals such as investment consultants, portfolio managers, attorneys, engineers, architects, and accountants; and specialized insurances for clinical trials, directors and officers liability, defective products, cyber risks, third-party liability, and employers' liability. Furthermore, it provides credit insurance for mortgages and an extensive range of property-related policies covering fire, theft, homeowners, terrorism, cash and goods in transit, electronic equipment, agricultural assets, mechanical engineering equipment, mechanical failure, building projects for contractors, and homebuyers. In its Capital Market and Financial Services segment, the company actively manages mutual funds and investment portfolios, and offers access to financial instruments such as certificates of deposit and private equity funds.