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Harel Insurance Investments & Financial Services Ltd (HARL.TA)
Ramat Gan, IL
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 structures its extensive operations into five primary divisions: Life Assurance and Long-Term Savings, Health Insurance, General Insurance, International Insurance Operations, and Capital Market and Financial Services. Within its Life Assurance and Long-Term Savings division, Harel offers a comprehensive suite of life insurance policies designed to cover various risks, including mortality, diverse forms of disability (both general and work-related), and critical illnesses. This segment also provides long-term savings solutions and oversees the management of pension and provident funds. The Health Insurance segment delivers coverage for medical conditions, hospital stays, and personal accidents. It extends to specialized policies for travelers, foreign workers, and tourists, alongside comprehensive dental insurance that encompasses preventative care, periodontal treatment, orthodontics, and oral rehabilitation. Harel's diverse General Insurance portfolio includes motor vehicle property coverage; professional indemnity for a wide array of professionals such as investment consultants, portfolio managers, attorneys, engineers, architects, and accountants; and specialized insurances for clinical trials, directors and officers liability, defective products, cyber risks, third-party liability, and employers' liability. Furthermore, it provides credit insurance for mortgages and an extensive range of property-related policies covering fire, theft, homeowners, terrorism, cash and goods in transit, electronic equipment, agricultural assets, mechanical engineering equipment, mechanical failure, building projects for contractors, and homebuyers. In its Capital Market and Financial Services segment, the company actively manages mutual funds and investment portfolios, and offers access to financial instruments such as certificates of deposit and private equity funds.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -3.53% | -7.94% | +2.18% | +11.37% | +50.04% | +47.39% | +172.42% | +462.83% | +431.63% | +1,302.76% | -73.53% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | -1 |
| Buy | 1 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth Insurance - Diversified: +15.2%+12.8% Q1'26: -2.5% (vs Q1'25)
-
EPS growth Insurance - Diversified: +25.3%+207.9% ★ Q1'26: +9.2% (vs Q1'25)
-
FCF margin FCF growth · Insurance - Diversified: +30.2%+40.5% Q1'26: -69.9% (vs Q1'25)
-
EBIT margin Insurance - Diversified: +13.5%+14.7% ★ Q1'26: +25.2% (vs Q1'25)
-
ROIC Insurance - Diversified: +4.2%+9.5% ★ Q1'26: +30.2% (vs Q1'25)
-
Share dilution Insurance - Diversified: +0.0%+2.7% Q1'26: +1.8% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Insurance - Diversified: -0.05×4.44× Q1'26: 5.00× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 1 Rev. Ana. 1 EPS Ana. |
Dec 2027 1 Rev. Ana. 1 EPS Ana. |
Dec 2028 1 Rev. Ana. 1 EPS Ana. |
Dec 2029 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|
| Revenue |
24.86B
est: 15.40B (+61.5%)
|
27.16B
est: 13.42B (+102.4%)
|
30.63B
est: 14.34B (+113.6%)
|
15.11B
15.11B – 15.11B
+5.4% YoY
|
15.77B
15.77B – 15.77B
+4.3% YoY
|
16.43B
16.43B – 16.43B
+4.2% YoY
|
17.11B
17.11B – 17.11B
+4.2% YoY
|
| EBITDA |
1.53B
est: 1.48B (+4.0%)
|
2.45B
est: 1.51B (+62.4%)
|
5.02B
est: 1.61B (+211.1%)
|
1.70B
1.70B – 1.70B
+5.4% YoY
|
1.77B
1.77B – 1.77B
+4.3% YoY
|
1.85B
1.85B – 1.85B
+4.2% YoY
|
1.93B
1.93B – 1.93B
+4.2% YoY
|
| EBIT |
1.11B
est: 1.19B (-7.4%)
|
2.00B
est: 1.26B (+58.6%)
|
4.51B
est: 1.35B (+234.6%)
|
1.42B
1.42B – 1.42B
+5.4% YoY
|
1.48B
1.48B – 1.48B
+4.3% YoY
|
1.55B
1.55B – 1.55B
+4.2% YoY
|
1.61B
1.61B – 1.61B
+4.2% YoY
|
| Net Income |
485.00M
est: 333.26M (+45.5%)
|
946.00M
est: 1.11B (-15.1%)
|
2.99B
est: 2.99B (+0.0%)
|
2.96B
2.96B – 2.96B
-1.1% YoY
|
3.17B
3.17B – 3.17B
+7.1% YoY
|
3.37B
3.37B – 3.37B
+6.4% YoY
|
3.57B
3.57B – 3.57B
+6.0% YoY
|
| SGA |
904.00M
est: 621.52M (+45.4%)
|
1.02B
est: 440.93M (+131.1%)
|
—
est: 471.16M (-100.0%)
|
496.62M
496.62M – 496.62M
+5.4% YoY
|
518.16M
518.16M – 518.16M
+4.3% YoY
|
539.84M
539.84M – 539.84M
+4.2% YoY
|
562.35M
562.35M – 562.35M
+4.2% YoY
|
| EPS |
2.31
est: 1.60 (+44.4%)
|
4.57
est: 5.21 (-12.3%)
|
14.61
est: 13.97 (+4.6%)
|
13.83
13.83 – 13.83
-1.0% YoY
|
14.81
14.81 – 14.81
+7.1% YoY
|
15.76
15.76 – 15.76
+6.4% YoY
|
16.71
16.71 – 16.71
+6.0% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-26 | B+ | 3/5 | 5/5 | 5/5 | 4/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-25 | B+ | 3/5 | 5/5 | 5/5 | 4/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-20 | B+ | 3/5 | 5/5 | 5/5 | 4/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-19 | B+ | 3/5 | 5/5 | 5/5 | 4/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-18 | B+ | 3/5 | 5/5 | 5/5 | 4/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-15 | B+ | 3/5 | 5/5 | 5/5 | 4/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-14 | B+ | 3/5 | 5/5 | 5/5 | 4/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-13 | B+ | 3/5 | 5/5 | 5/5 | 4/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-12 | B+ | 3/5 | 5/5 | 5/5 | 4/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-11 | B+ | 3/5 | 5/5 | 5/5 | 4/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-08 | B+ | 3/5 | 5/5 | 5/5 | 4/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-07 | B+ | 3/5 | 5/5 | 5/5 | 4/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-06 | B+ | 3/5 | 5/5 | 5/5 | 4/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-05 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-04 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-01 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 3/5 | 1/5 |
| 2026-04-30 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 3/5 | 1/5 |
| 2026-04-29 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 4/5 | 1/5 |
| 2026-04-28 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 4/5 | 1/5 |
| 2026-04-27 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 4/5 | 1/5 |
| 2026-04-24 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 3/5 | 1/5 |
| 2026-04-23 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-20 | A | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-17 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-16 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | iShares MSCI Israel ETF EIS | 1.58% | 13.85M | 0.59% |
| 2 | VanEck Israel ETF ISRA | 1.46% | 2.22M | 0.59% |
| 3 | Avantis International Small Cap Value ETF AVDV | 0.47% | 89.89M | 0.36% |
| 4 | JPMorgan International Dynamic ETF JIDE | 0.45% | 118.1K | 0.55% |
| 5 | iShares Ageing Population UCITS ETF AGED.L | 0.45% | 3.98M | 0.40% |
| 6 | Vanguard Global Momentum Factor ETF VMO.TO | 0.26% | 944.6K | 0.38% |
| 7 | American Century Quality Diversified International ETF QINT | 0.12% | 799.1K | 0.40% |
| 8 | iShares MSCI World Mid-Cap Equal Weight UCITS ETF IWSZ.L | 0.11% | 490.9K | 0.30% |
| 9 | Avantis International Small Cap Equity ETF AVDS | 0.08% | 268.9K | 0.30% |
| 10 | iShares MSCI Intl Quality Factor ETF IQLT | 0.08% | 11.18M | 0.30% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Uri Schor | Chief Executive Officer of Harel Financial Products Ltd, CEO of Harel Sal Ltd and CEO of Harel Sal Currencies Ltd | 5M | male |
| Alon Eliraz | Deputy Chief Executive Officer of Harel Insurance & Manager of Health and Life Insurance Division of Harel Insurance | 3M | male |
| Hagit Rachel Chitayat-Levin | CEO of Harel Finance Holdings | 3M | — |
| Aryhe Yaakov Peretz | Chief Financial Officer and Deputy to the Chief Executive Officer, Manager of the Finance & Resources Division | 3M | male |
| Nir Cohen | CEO & GM | 3M | male |
| Gideon Hamburger | President & Director | 3M | male |
| Sami Babecov | Chief Investment Officer | 3M | male |
| Sammy Bassat | Deputy Chief Executive Officer & Manager of Investments Division of Harel Insurance | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for HARL.TA
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
