Harel Insurance Investments & Financial Services Ltd. (IL:HARL)
TASE:HARL
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Harel
(TASE:HARL)
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Rating:65Neutral
Price Target:
17,200.00
▲(6.30% Upside)
Action:Reiterated
Date:05/29/26
The score is driven primarily by strong profitability and ROE, tempered by elevated leverage and volatile revenue/cash flows. Technicals are mixed with weaker near-term trend signals, while valuation is supportive with a moderate P/E and a mid-level dividend yield.
Positive Factors
Strong and improving profitability
Sustained high margins and elevated ROE signal durable earnings power from underwriting and operations. Improved operating and net margins versus prior years support cash generation and reinvestment capacity, underpinning shareholder returns and resilience across the next several months.
Negative Factors
Elevated financial leverage
High debt-to-equity raises balance-sheet risk and reduces room to maneuver if underwriting losses or market shocks occur. Elevated leverage increases interest exposure and could constrain capital returns or require deleveraging actions, limiting strategic flexibility over coming quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong and improving profitability
Sustained high margins and elevated ROE signal durable earnings power from underwriting and operations. Improved operating and net margins versus prior years support cash generation and reinvestment capacity, underpinning shareholder returns and resilience across the next several months.
Read all positive factors
Harel (HARL) vs. iShares MSCI Israel ETF (EIS)
Market Cap
₪32.90B
Dividend Yield2.21%
Average Volume (3M)491.74K
Price to Earnings (P/E)10.8
Beta (1Y)1.55
Revenue Growth28.54%
EPS Growth147.51%
CountryIL
Employees5,158
SectorGeneral
Sector StrengthN/A
IndustryInsurance - Diversified
Share Statistics
EPS (TTM)14.81
Shares Outstanding205,595,570
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
Harel Business Overview & Revenue Model
Company Description
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...
Harel Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
66
Positive
Cash Flow
58
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 29.64B | 30.63B | 27.16B | 24.86B | 12.69B | 27.49B |
| Gross Profit | 29.30B | 30.63B | 24.73B | 24.86B | 10.70B | 25.68B |
| EBITDA | 6.07B | 5.02B | 2.45B | 1.53B | 2.06B | 2.31B |
| Net Income | 3.04B | 2.99B | 946.00M | 485.00M | 906.00M | 1.21B |
Balance Sheet | ||||||
| Total Assets | 163.86B | 163.63B | 158.66B | 144.81B | 135.27B | 137.67B |
| Cash, Cash Equivalents and Short-Term Investments | 26.66B | 2.74B | 25.53B | 26.50B | 24.89B | 26.25B |
| Total Debt | 23.95B | 22.27B | 18.50B | 10.95B | 7.28B | 7.14B |
| Total Liabilities | 151.65B | 151.44B | 149.46B | 135.85B | 126.88B | 128.78B |
| Stockholders Equity | 12.19B | 12.17B | 9.12B | 8.89B | 8.34B | 8.86B |
Cash Flow | ||||||
| Free Cash Flow | 2.47B | 5.43B | -3.52B | 3.02B | 1.60B | 1.13B |
| Operating Cash Flow | 2.82B | 5.47B | -3.06B | 3.47B | 1.98B | 1.49B |
| Investing Cash Flow | -448.00M | -514.00M | -1.02B | -511.00M | -371.00M | -632.00M |
| Financing Cash Flow | -883.00M | -1.45B | 1.45B | 1.01B | -1.01B | 581.00M |
Harel Technical Analysis
Negative
16180.00
Price Trends
18111.60
Negative
17222.94
Negative
14527.93
Positive
Market Momentum
-672.09
Positive
37.20
Neutral
27.07
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IL:HARL, the sentiment is Negative. The current price of 16180 is below the 20-day moving average (MA) of 16875.00, below the 50-day MA of 18111.60, and above the 200-day MA of 14527.93, indicating a neutral trend. The MACD of -672.09 indicates Positive momentum. The RSI at 37.20 is Neutral, neither overbought nor oversold. The STOCH value of 27.07 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IL:HARL.
Harel Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | ₪27.20B | 11.13 | ― | 2.61% | 43.27% | 99.24% | |
73 Outperform | ₪3.89B | 7.99 | ― | 6.25% | ― | ― | |
71 Outperform | ₪3.17B | 8.68 | ― | 5.98% | 9.90% | 22.54% | |
66 Neutral | ₪18.38B | 7.86 | ― | 1.67% | -30.11% | 110.97% | |
66 Neutral | ₪41.21B | 12.20 | ― | 4.19% | 28.82% | 58.47% | |
65 Neutral | ₪32.90B | 10.80 | 23.23% | 2.21% | 28.54% | 147.51% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IL:HARL
Harel
15,870.00
7,765.93
95.83%
IL:CLIS
Clal Insurance
22,570.00
9,576.26
73.70%
IL:PHOE
Phoenix
16,380.00
7,761.54
90.06%
IL:MMHD
Menora Miv Hld
43,280.00
20,882.50
93.24%
IL:AYAL
Ayalon Hold.
13,400.00
7,963.89
146.50%
IL:IDIN
Idi Insur
21,700.00
3,228.19
17.48%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.