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XTAE
HARL
Market cap4.26bUSD
Jun 10, Last price  
7,189.00ILS
1D
-1.80%
1Q
11.70%
Jan 2017
306.16%
Name

Harel Insurance Investments and Financial Services Ltd

Chart & Performance

D1W1MN
P/E
1,567.98
P/S
54.62
EPS
4.58
Div Yield, %
3.70%
Shrs. gr., 5y
-0.57%
Rev. gr., 5y
3.27%
Revenues
27.16b
+9.25%
882,342,000803,144,000733,500,0004,915,852,00011,980,871,00010,694,580,0008,831,647,00012,611,125,00014,530,658,00013,146,473,00013,293,848,00014,515,387,00018,407,943,00014,006,000,00023,125,000,00018,721,000,00027,475,000,00012,635,000,00024,856,000,00027,156,000,000
Net income
946m
+95.05%
482,508,000424,484,000608,574,000-279,342,000458,983,000529,825,000217,835,000447,983,000680,332,000373,907,000455,586,000396,599,000684,048,000502,000,000239,000,000724,000,0001,209,000,000906,000,000485,000,000946,000,000
CFO
-3.06b
L
503,745,000-133,941,0001,095,442,00097,100,000-347,166,000-1,866,984,000191,850,000-2,449,689,000-4,343,105,000-2,484,986,0001,033,451,0003,387,198,0001,027,179,00011,000,000-361,000,0001,413,000,0001,191,000,0002,185,000,0003,472,000,000-3,059,000,000
Dividend
Sep 19, 202497.1617 ILS/sh
Earnings
Aug 27, 2025

Profile

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.
URL
https://www.harel-group.co.il/
IPO date
Jan 01, 1982
Employees
4,932
Domiciled in
IL
Incorporated in
IL

Valuation

Title
ILS in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFYFY
2024‑122023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
Income
Revenues
27,156,000
9.25%
24,856,000
96.72%
12,635,000
-54.01%
Cost of revenue
1,019,000
904,000
827,000
Unusual Expense (Income)
NOPBT
26,137,000
23,952,000
11,808,000
NOPBT Margin
96.25%
96.36%
93.45%
Operating Taxes
395,000
146,000
398,000
Tax Rate
1.51%
0.61%
3.37%
NOPAT
25,742,000
23,806,000
11,410,000
Net income
946,000
95.05%
485,000
-46.47%
906,000
-25.06%
Dividends
(550,000)
(100,000)
(400,000)
Dividend yield
5.24%
1.65%
6.08%
Proceeds from repurchase of equity
(126,000)
(67,000)
(74,000)
BB yield
1.20%
1.10%
1.13%
Debt
Debt current
2,482,000
446,000
313,000
Long-term debt
16,114,000
10,584,000
7,038,000
Deferred revenue
262,000
199,000
Other long-term liabilities
(17,368,000)
125,345,000
(7,202,000)
Net debt
(118,936,000)
(117,477,000)
(117,257,000)
Cash flow
Cash from operating activities
(3,059,000)
3,472,000
2,185,000
CAPEX
(45,000)
(81,000)
(372,000)
Cash from investing activities
(1,016,000)
(511,000)
(371,000)
Cash from financing activities
1,447,000
1,007,000
(1,011,000)
FCF
26,491,000
23,321,000
11,663,000
Balance
Cash
25,530,000
26,498,000
24,888,000
Long term investments
112,002,000
102,009,000
99,720,000
Excess cash
136,174,200
127,264,200
123,976,250
Stockholders' equity
8,935,000
8,717,000
8,624,000
Invested Capital
151,126,000
136,535,000
126,013,000
ROIC
17.90%
18.13%
9.00%
ROCE
16.22%
16.49%
8.71%
EV
Common stock shares outstanding
208,287
210,113
212,107
Price
50.35
74.04%
28.93
-6.71%
31.01
-12.25%
Market cap
10,487,265
72.53%
6,078,569
-7.58%
6,577,438
-13.07%
EV
(108,361,735)
(111,338,431)
(110,627,562)
EBITDA
26,588,000
24,380,000
12,193,000
EV/EBITDA
Interest
647,000
464,000
363,000
Interest/NOPBT
2.48%
1.94%
3.07%