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XTAEHARL
Market cap2.84bUSD
Dec 20, Last price  
5,040.00ILS
1D
-1.27%
1Q
54.36%
Jan 2017
184.75%
Name

Harel Insurance Investments and Financial Services Ltd

Chart & Performance

D1W1MN
XTAE:HARL chart
P/E
2,131.10
P/S
41.58
EPS
2.36
Div Yield, %
0.01%
Shrs. gr., 5y
-0.28%
Rev. gr., 5y
12.16%
Revenues
24.86b
+96.72%
797,133,000882,342,000803,144,000733,500,0004,915,852,00011,980,871,00010,694,580,0008,831,647,00012,611,125,00014,530,658,00013,146,473,00013,293,848,00014,515,387,00018,407,943,00014,006,000,00023,125,000,00018,721,000,00027,475,000,00012,635,000,00024,856,000,000
Net income
485m
-46.47%
405,923,000482,508,000424,484,000608,574,000-279,342,000458,983,000529,825,000217,835,000447,983,000680,332,000373,907,000455,586,000396,599,000684,048,000502,000,000239,000,000724,000,0001,209,000,000906,000,000485,000,000
CFO
3.47b
+58.90%
356,598,000503,745,000-133,941,0001,095,442,00097,100,000-347,166,000-1,866,984,000191,850,000-2,449,689,000-4,343,105,000-2,484,986,0001,033,451,0003,387,198,0001,027,179,00011,000,000-361,000,0001,413,000,0001,191,000,0002,185,000,0003,472,000,000
Dividend
Sep 19, 202497.1617 ILS/sh
Earnings
Mar 26, 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
2023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑122014‑12
Income
Revenues
24,856,000
96.72%
12,635,000
-54.01%
27,475,000
46.76%
Cost of revenue
904,000
827,000
700,000
Unusual Expense (Income)
NOPBT
23,952,000
11,808,000
26,775,000
NOPBT Margin
96.36%
93.45%
97.45%
Operating Taxes
146,000
398,000
486,000
Tax Rate
0.61%
3.37%
1.82%
NOPAT
23,806,000
11,410,000
26,289,000
Net income
485,000
-46.47%
906,000
-25.06%
1,209,000
66.99%
Dividends
(100,000)
(400,000)
(257,000)
Dividend yield
1.65%
6.08%
3.40%
Proceeds from repurchase of equity
(67,000)
(74,000)
(40,000)
BB yield
1.10%
1.13%
0.53%
Debt
Debt current
446,000
313,000
531,000
Long-term debt
10,584,000
7,038,000
6,693,000
Deferred revenue
199,000
185,000
Other long-term liabilities
125,345,000
(7,202,000)
(8,248,000)
Net debt
(117,477,000)
(117,257,000)
(126,342,000)
Cash flow
Cash from operating activities
3,472,000
2,185,000
1,191,000
CAPEX
(81,000)
(372,000)
(354,000)
Cash from investing activities
(511,000)
(371,000)
(632,000)
Cash from financing activities
1,007,000
(1,011,000)
581,000
FCF
23,321,000
11,663,000
25,758,000
Balance
Cash
26,498,000
24,888,000
26,245,000
Long term investments
102,009,000
99,720,000
107,321,000
Excess cash
127,264,200
123,976,250
132,192,250
Stockholders' equity
8,717,000
8,624,000
9,056,000
Invested Capital
136,535,000
126,013,000
127,650,000
ROIC
18.13%
9.00%
22.07%
ROCE
16.49%
8.71%
19.38%
EV
Common stock shares outstanding
210,113
212,107
214,114
Price
28.93
-6.71%
31.01
-12.25%
35.34
19.39%
Market cap
6,078,569
-7.58%
6,577,438
-13.07%
7,566,789
19.24%
EV
(111,338,431)
(110,627,562)
(118,743,211)
EBITDA
24,380,000
12,193,000
27,097,000
EV/EBITDA
Interest
464,000
363,000
292,000
Interest/NOPBT
1.94%
3.07%
1.09%