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

Harel (HARL) Ratios

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Harel Ratios

IL:HARL's free cash flow for Q3 2025 was 0.96. For the 2025 fiscal year, IL:HARL'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 27.96 23.67 24.43K
Quick Ratio
0.00 0.00 27.96 23.67 24.43K
Cash Ratio
0.00 0.00 9.41 6.89 9.02K
Solvency Ratio
0.02 <0.01 0.01 0.01 <0.01
Operating Cash Flow Ratio
0.00 0.00 2.46 1.07 1.41K
Short-Term Operating Cash Flow Coverage
8.87 7.78 6.98 2.24 1.41K
Net Current Asset Value
-150.91B -109.36B -102.00B -102.53B -87.57B
Leverage Ratios
Debt-to-Assets Ratio
0.12 0.08 0.05 0.05 0.05
Debt-to-Equity Ratio
1.78 1.23 0.87 0.81 0.77
Debt-to-Capital Ratio
0.64 0.55 0.47 0.45 0.44
Long-Term Debt-to-Capital Ratio
0.64 0.54 0.45 0.42 0.44
Financial Leverage Ratio
14.58 16.28 16.23 15.54 15.48
Debt Service Coverage Ratio
3.29 1.53 2.45 1.65 4.54
Interest Coverage Ratio
4.36 1.38 4.59 5.22 4.60
Debt to Market Cap
0.69 1.79 1.10 0.93 0.94
Interest Debt Per Share
99.84 54.34 36.04 34.73 28.70
Net Debt to EBITDA
1.87 -0.99 -0.53 -0.27 -2.60
Profitability Margins
Gross Profit Margin
98.94%100.00%100.00%100.00%100.00%
EBIT Margin
12.61%4.45%13.30%7.24%6.48%
EBITDA Margin
14.35%6.17%16.24%6.72%6.29%
Operating Profit Margin
11.34%2.58%13.19%5.55%4.74%
Pretax Profit Margin
10.00%2.58%10.38%6.18%5.45%
Net Profit Margin
6.78%1.95%7.17%4.40%3.87%
Continuous Operations Profit Margin
6.82%2.00%7.23%4.41%3.87%
Net Income Per EBT
67.83%75.55%69.11%71.20%70.91%
EBT Per EBIT
88.16%100.00%78.64%111.42%114.98%
Return on Assets (ROA)
1.19%0.33%0.67%0.88%0.60%
Return on Equity (ROE)
19.49%5.45%10.87%13.64%9.36%
Return on Capital Employed (ROCE)
1.99%0.44%1.24%1.12%0.74%
Return on Invested Capital (ROIC)
979.30%0.19%0.91%0.80%0.52%
Return on Tangible Assets
1.21%0.34%0.68%0.89%0.61%
Earnings Yield
6.77%7.98%13.77%15.98%11.48%
Efficiency Ratios
Receivables Turnover
14.62 0.00 0.00 0.00 0.00
Payables Turnover
0.00 0.00 0.00 0.00 0.00
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
20.34 17.87 9.39 19.91 13.57
Asset Turnover
0.18 0.17 0.09 0.20 0.16
Working Capital Turnover Ratio
0.00 0.97 0.51 1.11 0.81
Cash Conversion Cycle
24.97 0.00 0.00 0.00 0.00
Days of Sales Outstanding
24.97 0.00 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 0.00 0.00 0.00 0.00
Operating Cycle
24.97 0.00 0.00 0.00 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
9.67 16.52 10.30 5.56 6.59
Free Cash Flow Per Share
7.43 14.38 8.55 3.91 4.97
CapEx Per Share
2.23 2.15 1.75 1.65 1.62
Free Cash Flow to Operating Cash Flow
0.77 0.87 0.83 0.70 0.75
Dividend Paid and CapEx Coverage Ratio
2.18 6.30 2.83 1.95 4.07
Capital Expenditure Coverage Ratio
4.33 7.70 5.87 3.36 4.07
Operating Cash Flow Coverage Ratio
0.10 0.32 0.30 0.17 0.24
Operating Cash Flow to Sales Ratio
0.07 0.14 0.17 0.04 0.08
Free Cash Flow Yield
5.35%49.70%27.56%11.06%16.90%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
14.77 12.53 7.26 6.26 8.71
Price-to-Sales (P/S) Ratio
1.00 0.24 0.52 0.28 0.34
Price-to-Book (P/B) Ratio
2.56 0.68 0.79 0.85 0.82
Price-to-Free Cash Flow (P/FCF) Ratio
18.67 2.01 3.63 9.04 5.92
Price-to-Operating Cash Flow Ratio
14.32 1.75 3.01 6.35 4.46
Price-to-Earnings Growth (PEG) Ratio
0.26 -0.27 -0.30 0.09 0.04
Price-to-Fair Value
2.56 0.68 0.79 0.85 0.82
Enterprise Value Multiple
8.87 2.98 2.67 3.83 2.76
Enterprise Value
36.13B 4.57B 5.48B 7.07B 3.25B
EV to EBITDA
8.87 2.98 2.67 3.83 2.76
EV to Sales
1.27 0.18 0.43 0.26 0.17
EV to Free Cash Flow
23.66 1.51 3.02 8.45 3.05
EV to Operating Cash Flow
18.19 1.32 2.51 5.94 2.30
Tangible Book Value Per Share
40.02 30.94 28.48 31.05 27.73
Shareholders’ Equity Per Share
54.10 42.32 39.30 41.38 36.08
Tax and Other Ratios
Effective Tax Rate
0.32 0.23 0.30 0.29 0.29
Revenue Per Share
138.13 118.30 59.57 128.32 87.33
Net Income Per Share
9.37 2.31 4.27 5.65 3.38
Tax Burden
0.68 0.76 0.69 0.71 0.71
Interest Burden
0.79 0.58 0.78 0.85 0.84
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
>-0.01 0.02 0.04 0.02 0.03
Stock-Based Compensation to Revenue
<0.01 <0.01 <0.01 <0.01 0.00
Income Quality
1.03 7.00 2.39 0.98 1.95
Currency in ILS