Harel Insurance Investments & Financial Services Ltd. (IL:HARL)
TASE:HARL
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Harel
(TASE:HARL)
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Rating:66Neutral
Price Target:
19,181.00
▲(18.55% Upside)
Action:DowngradedDate:03/28/26
The score is primarily driven by improved TTM profitability and strong ROE, tempered by high leverage and historically volatile earnings/cash flow. Technicals are moderately supportive with the stock above key longer-term averages and positive MACD, while valuation is reasonable but not especially compelling given the modest dividend yield.
Positive Factors
Profitability rebound
A meaningful step-up in TTM profitability and margins indicates the core insurance operations and underwriting have improved. Higher recurring profits strengthen internal capital generation, support reinvestment and claims reserves, and raise the baseline durability of earnings over coming quarters.
Negative Factors
Elevated leverage
Leverage around 2.0 materially increases financial risk by amplifying earnings volatility and raising interest exposure. With a debt-heavy structure, the firm has reduced flexibility to absorb underwriting shocks, making capital management and refinancing more sensitive to market conditions.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability rebound
A meaningful step-up in TTM profitability and margins indicates the core insurance operations and underwriting have improved. Higher recurring profits strengthen internal capital generation, support reinvestment and claims reserves, and raise the baseline durability of earnings over coming quarters.
Read all positive factors
Harel (HARL) vs. iShares MSCI Israel ETF (EIS)
Market Cap
₪37.73B
Dividend Yield2.21%
Average Volume (3M)491.74K
Price to Earnings (P/E)12.5
Beta (1Y)1.57
Revenue Growth12.85%
EPS Growth216.23%
CountryIL
Employees5,158
SectorFinancial
Sector Strength70
IndustryInsurance - Diversified
Share Statistics
EPS (TTM)352.20
Shares Outstanding205,926,740
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 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-...
Harel Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
62
Positive
Cash Flow
55
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 30.63B | 27.16B | 24.86B | 12.69B | 27.49B |
| Gross Profit | 30.63B | 24.73B | 24.86B | 10.70B | 25.68B |
| EBITDA | 5.02B | 2.45B | 1.53B | 2.06B | 2.31B |
| Net Income | 2.99B | 946.00M | 485.00M | 906.00M | 1.21B |
Balance Sheet | |||||
| Total Assets | 163.63B | 158.66B | 144.81B | 135.27B | 137.67B |
| Cash, Cash Equivalents and Short-Term Investments | 2.74B | 25.53B | 26.50B | 24.89B | 26.25B |
| Total Debt | 22.27B | 18.50B | 10.95B | 7.28B | 7.14B |
| Total Liabilities | 151.44B | 149.46B | 135.85B | 126.88B | 128.78B |
| Stockholders Equity | 12.17B | 9.12B | 8.89B | 8.34B | 8.86B |
Cash Flow | |||||
| Free Cash Flow | 5.43B | -3.52B | 3.02B | 1.60B | 1.13B |
| Operating Cash Flow | 5.47B | -3.06B | 3.47B | 1.98B | 1.49B |
| Investing Cash Flow | -514.00M | -1.02B | -511.00M | -371.00M | -632.00M |
| Financing Cash Flow | -1.45B | 1.45B | 1.01B | -1.01B | 581.00M |
Harel Technical Analysis
Positive
16180.00
Price Trends
17096.37
Positive
15076.32
Positive
12770.09
Positive
Market Momentum
433.37
Negative
54.93
Neutral
55.78
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IL:HARL, the sentiment is Positive. The current price of 16180 is below the 20-day moving average (MA) of 17740.29, below the 50-day MA of 17096.37, and above the 200-day MA of 12770.09, indicating a bullish trend. The MACD of 433.37 indicates Negative momentum. The RSI at 54.93 is Neutral, neither overbought nor oversold. The STOCH value of 55.78 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IL:HARL.
Harel Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | ₪30.37B | 9.62 | ― | 2.61% | 28.53% | 118.04% | |
72 Outperform | ₪4.25B | 5.26 | ― | 6.25% | ― | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ₪20.81B | 7.20 | ― | 1.67% | -40.68% | 214.21% | |
66 Neutral | ₪37.73B | 12.54 | 23.23% | 2.21% | 12.85% | 216.23% | |
65 Neutral | ₪45.01B | 10.31 | ― | 4.19% | 9.67% | 79.86% | |
65 Neutral | ₪3.39B | 9.99 | ― | 5.98% | 14.93% | 38.41% |
* Financial Sector Average
IL:HARL
Harel
18,300.00
12,540.29
217.72%
IL:CLIS
Clal Insurance
25,510.00
15,921.29
166.04%
IL:PHOE
Phoenix
17,730.00
10,872.10
158.53%
IL:MMHD
Menora Miv Hld
48,110.00
28,958.93
151.21%
IL:AYAL
Ayalon Hold.
15,300.00
10,650.02
229.03%
IL:IDIN
Idi Insur
22,770.00
6,833.95
42.88%
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.