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Harel Insurance Investments & Financial Services Ltd. (IL:HARL)
TASE:HARL
Israel Market
HARL
Harel
RESEARCH TOOLSreports

Harel (HARL) Ratios

9 Followers

Harel Ratios

IL:HARL's free cash flow for Q4 2025 was ₪1.00. For the 2025 fiscal year, IL:HARL's free cash flow was decreased by ₪ and operating cash flow was ₪0.18. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
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 0.02 <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
 54.47 54.73 -1.23 7.78 6.31
Net Current Asset Value
₪ -141.57B₪ -141.57B₪ -146.04B₪ -109.36B₪ -102.00B
Leverage Ratios
Debt-to-Assets Ratio
 0.14 0.14 0.12 0.08 0.05
Debt-to-Equity Ratio
 1.83 1.83 2.03 1.23 0.87
Debt-to-Capital Ratio
 0.65 0.65 0.67 0.55 0.47
Long-Term Debt-to-Capital Ratio
 0.64 0.64 0.64 0.54 0.45
Financial Leverage Ratio
 13.45 13.45 17.40 16.28 16.23
Debt Service Coverage Ratio
 4.38 27.16 0.66 1.53 2.44
Interest Coverage Ratio
 4.94 149.47 2.09 1.38 3.55
Debt to Market Cap
 0.63 0.87 1.76 1.79 1.10
Interest Debt Per Share
 112.74 108.96 92.46 54.34 36.06
Net Debt to EBITDA
 3.31 3.89 3.53 -0.99 -0.53
Profitability Margins
Gross Profit Margin
98.86%100.00%91.05%100.00%84.36%
EBIT Margin
18.12%14.74%7.37%4.45%13.24%
EBITDA Margin
19.83%16.39%9.03%6.17%16.28%
Operating Profit Margin
15.07%14.64%4.99%2.58%10.33%
Pretax Profit Margin
15.07%14.64%4.99%2.58%10.33%
Net Profit Margin
10.05%9.76%3.48%1.95%7.14%
Continuous Operations Profit Margin
10.07%9.77%3.54%2.00%7.20%
Net Income Per EBT
66.68%66.68%69.82%75.55%69.11%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.83%1.83%0.60%0.33%0.67%
Return on Equity (ROE)
26.47%24.57%10.38%5.45%10.87%
Return on Capital Employed (ROCE)
2.74%2.74%0.85%0.44%0.97%
Return on Invested Capital (ROIC)
1.83%1.83%0.60%0.19%0.60%
Return on Tangible Assets
1.86%1.86%0.61%0.34%0.68%
Earnings Yield
8.50%11.75%9.06%7.98%13.77%
Efficiency Ratios
Receivables Turnover
 4.17 4.30 7.94 0.00 0.00
Payables Turnover
 1.25 0.00 4.24 0.00 3.44
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 21.70 22.34 19.48 17.87 9.43
Asset Turnover
 0.18 0.19 0.17 0.17 0.09
Working Capital Turnover Ratio
 6.03 4.61 1.82 0.97 0.50
Cash Conversion Cycle
 -205.14 84.97 -40.21 0.00 -106.15
Days of Sales Outstanding
 87.50 84.97 45.97 0.00 0.00
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 292.65 0.00 86.18 0.00 106.15
Operating Cycle
 87.50 84.97 45.97 0.00 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
 26.49 26.74 -14.77 16.52 9.31
Free Cash Flow Per Share
 24.74 26.54 -17.02 14.38 7.56
CapEx Per Share
 1.75 0.20 2.25 2.15 1.75
Free Cash Flow to Operating Cash Flow
 0.93 0.99 1.15 0.87 0.81
Dividend Paid and CapEx Coverage Ratio
 5.39 7.92 -3.01 6.30 2.56
Capital Expenditure Coverage Ratio
 15.13 133.49 -6.56 7.70 5.31
Operating Cash Flow Coverage Ratio
 0.24 0.25 -0.17 0.32 0.27
Operating Cash Flow to Sales Ratio
 0.18 0.18 -0.11 0.14 0.16
Free Cash Flow Yield
14.46%21.35%-33.77%49.70%24.38%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 11.76 8.51 11.03 12.53 7.26
Price-to-Sales (P/S) Ratio
 1.18 0.83 0.38 0.24 0.52
Price-to-Book (P/B) Ratio
 2.89 2.09 1.14 0.68 0.79
Price-to-Free Cash Flow (P/FCF) Ratio
 6.92 4.68 -2.96 2.01 4.10
Price-to-Operating Cash Flow Ratio
 6.46 4.65 -3.41 1.75 3.33
Price-to-Earnings Growth (PEG) Ratio
 0.48 0.04 0.11 -0.27 -0.30
Price-to-Fair Value
 2.89 2.09 1.14 0.68 0.79
Enterprise Value Multiple
 9.28 8.96 7.78 2.98 2.66
Enterprise Value
 54.73B 44.98B 19.08B 4.57B 5.48B
EV to EBITDA
 9.28 8.96 7.78 2.98 2.66
EV to Sales
 1.84 1.47 0.70 0.18 0.43
EV to Free Cash Flow
 10.76 8.28 -5.41 1.51 3.42
EV to Operating Cash Flow
 10.05 8.22 -6.24 1.32 2.77
Tangible Book Value Per Share
 44.94 45.14 30.72 30.94 28.50
Shareholders’ Equity Per Share
 59.18 59.44 44.01 42.32 39.28
Tax and Other Ratios
Effective Tax Rate
 0.33 0.33 0.29 0.23 0.30
Revenue Per Share
 144.66 149.65 131.10 118.30 59.80
Net Income Per Share
 14.54 14.61 4.57 2.31 4.27
Tax Burden
 0.67 0.67 0.70 0.76 0.69
Interest Burden
 0.83 0.99 0.68 0.58 0.78
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.00 0.00 0.04 0.02 0.04
Stock-Based Compensation to Revenue
 <0.01 0.00 <0.01 <0.01 <0.01
Income Quality
 1.82 1.83 -3.19 7.00 2.16
Currency in ILS