Harel Insurance Investments & Financial Services Ltd. (IL:HARL)
TASE:HARL
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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 Range5,947.57 - 20,930.00
Previous CloseN/A
Volume486.90K
Average Volume (3M)491.74K
Market Cap
₪38.42B
Enterprise Value58.58B
Total Cash (Recent Filing)₪2.74B
Total Debt (Recent Filing)₪22.27B
Price to Earnings (P/E)12.8
Beta1.60
Next Earnings
Jun 03, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.21%
Share Statistics
EPS (TTM)14.54
Shares Outstanding206,007,600
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
Profitability Rebound & MarginsThe marked TTM margin recovery reflects improved underwriting or expense control and a meaningful lift in operating profit. If sustained, higher margins provide structural earnings power, greater resilience to claim volatility, and more internal capital for growth or reserves over the medium term.
High ROE And Improved EquityA ~22.8% ROE signals efficient use of shareholders' capital and suggests the business can generate attractive returns on investments and underwriting. Improved equity alongside strong ROE supports long-term capital adequacy and the ability to fund growth or shareholder distributions without excessive dilution.
Robust TTM Cash GenerationSubstantial operating and free cash flow in the TTM period strengthens the company's capacity to meet claims, invest in business activities, service debt and return capital. Durable cash generation, if maintained, underpins financial flexibility and reduces reliance on capital markets over multiple quarters.
Bears Say
Elevated LeverageA debt-to-equity ratio near 2.0 materially increases financial risk and sensitivity to earnings swings. High leverage can constrain capital allocation, elevate refinancing and interest-rate risk, and amplify solvency pressure during underwriting losses or market stress across the next several quarters.
Multi-year Earnings & Cash VolatilityHistoric swings in revenue, earnings and cash flow (notably weak 2024 and a sharp 2022 revenue drop) reduce predictability of future results. Persistent volatility complicates pricing, reserving and capital planning, making multi-quarter forecasting and sustainable strategy execution more challenging.
Below‑par FCF ConversionFCF covering ~78% of net income indicates a meaningful portion of reported profits is not converting to cash. This weakens the reliability of earnings for funding dividends, debt reduction or reserve builds and raises risk that reported profitability may not sustain cash-backed growth without operational improvement.
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 5947.57 and its highest was 20930.00 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 ₪38.42B.
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 13 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.
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 206,007,600 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.