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Harel Insurance Investments & Financial Services Ltd. (HAHRF)
OTHER OTC:HAHRF
US Market
HAHRF
Harel
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Harel (HAHRF) Ratios

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Harel Ratios

HAHRF's free cash flow for Q2 2026 was ₪1.00. For the 2026 fiscal year, HAHRF's free cash flow was decreased by ₪ and operating cash flow was ₪0.18. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.30 0.00 0.00 0.00 0.00
Quick Ratio
 0.30 0.00 0.00 0.00 0.00
Cash Ratio
 0.29 0.00 0.00 0.00 0.00
Solvency Ratio
 0.02 0.02 <0.01 <0.01 0.01
Operating Cash Flow Ratio
 0.02 0.00 0.00 0.00 0.00
Short-Term Operating Cash Flow Coverage
 4.27 54.73 -1.23 7.78 6.31
Net Current Asset Value
₪ -128.66B₪ -141.57B₪ -146.04B₪ -109.36B₪ -102.00B
Leverage Ratios
Debt-to-Assets Ratio
 0.15 0.14 0.12 0.08 0.05
Debt-to-Equity Ratio
 2.09 1.83 2.03 1.23 0.87
Debt-to-Capital Ratio
 0.68 0.65 0.67 0.55 0.47
Long-Term Debt-to-Capital Ratio
 0.67 0.64 0.64 0.54 0.45
Financial Leverage Ratio
 13.78 13.45 17.40 16.28 16.23
Debt Service Coverage Ratio
 2.97 27.16 0.66 1.53 2.44
Interest Coverage Ratio
 4.97 149.47 2.09 1.38 3.55
Debt to Market Cap
 0.65 0.87 1.76 1.79 1.10
Interest Debt Per Share
 133.36 108.96 92.46 54.34 36.06
Net Debt to EBITDA
 -0.76 3.89 3.53 -0.99 -0.53
Profitability Margins
Gross Profit Margin
98.90%100.00%91.05%100.00%84.36%
EBIT Margin
19.33%14.74%7.37%4.45%13.24%
EBITDA Margin
21.00%16.39%9.03%6.17%16.28%
Operating Profit Margin
16.09%14.64%4.99%2.58%10.33%
Pretax Profit Margin
16.09%14.64%4.99%2.58%10.33%
Net Profit Margin
10.63%9.76%3.48%1.95%7.14%
Continuous Operations Profit Margin
10.65%9.77%3.54%2.00%7.20%
Net Income Per EBT
66.10%66.68%69.82%75.55%69.11%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.88%1.83%0.60%0.33%0.67%
Return on Equity (ROE)
27.03%24.57%10.38%5.45%10.87%
Return on Capital Employed (ROCE)
7.57%2.74%0.85%0.44%0.97%
Return on Invested Capital (ROIC)
4.97%1.83%0.60%0.19%0.60%
Return on Tangible Assets
1.92%1.86%0.61%0.34%0.68%
Earnings Yield
8.21%11.75%9.06%7.98%13.77%
Efficiency Ratios
Receivables Turnover
 20.00 4.30 7.94 0.00 0.00
Payables Turnover
 0.11 0.00 4.24 0.00 3.44
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 22.33 22.34 19.48 17.87 9.43
Asset Turnover
 0.18 0.19 0.17 0.17 0.09
Working Capital Turnover Ratio
 -0.41 4.61 1.82 0.97 0.50
Cash Conversion Cycle
 -3.39K 84.97 -40.21 0.00 -106.15
Days of Sales Outstanding
 18.25 84.97 45.97 0.00 0.00
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 3.41K 0.00 86.18 0.00 106.15
Operating Cycle
 18.25 84.97 45.97 0.00 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
 12.83 26.74 -14.77 16.52 9.31
Free Cash Flow Per Share
 10.92 26.54 -17.02 14.38 7.56
CapEx Per Share
 1.91 0.20 2.25 2.15 1.75
Free Cash Flow to Operating Cash Flow
 0.85 0.99 1.15 0.87 0.81
Dividend Paid and CapEx Coverage Ratio
 1.99 7.92 -3.01 6.30 2.56
Capital Expenditure Coverage Ratio
 6.71 133.49 -6.56 7.70 5.31
Operating Cash Flow Coverage Ratio
 0.10 0.25 -0.17 0.32 0.27
Operating Cash Flow to Sales Ratio
 0.09 0.18 -0.11 0.14 0.16
Free Cash Flow Yield
5.61%21.35%-33.77%49.70%24.38%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 12.44 8.51 11.03 12.53 7.26
Price-to-Sales (P/S) Ratio
 1.32 0.83 0.38 0.24 0.52
Price-to-Book (P/B) Ratio
 3.23 2.09 1.14 0.68 0.79
Price-to-Free Cash Flow (P/FCF) Ratio
 18.18 4.68 -2.96 2.01 4.10
Price-to-Operating Cash Flow Ratio
 15.46 4.65 -3.41 1.75 3.33
Price-to-Earnings Growth (PEG) Ratio
 0.18 0.04 0.11 -0.27 -0.30
Price-to-Fair Value
 3.23 2.09 1.14 0.68 0.79
Enterprise Value Multiple
 5.54 8.96 7.78 2.98 2.66
Enterprise Value
 35.06B 44.98B 19.08B 4.57B 5.48B
EV to EBITDA
 5.41 8.96 7.78 2.98 2.66
EV to Sales
 1.14 1.47 0.70 0.18 0.43
EV to Free Cash Flow
 15.63 8.28 -5.41 1.51 3.42
EV to Operating Cash Flow
 13.30 8.22 -6.24 1.32 2.77
Tangible Book Value Per Share
 47.09 45.14 30.72 30.94 28.50
Shareholders’ Equity Per Share
 61.52 59.44 44.01 42.32 39.28
Tax and Other Ratios
Effective Tax Rate
 0.34 0.33 0.29 0.23 0.30
Revenue Per Share
 150.12 149.65 131.10 118.30 59.80
Net Income Per Share
 15.97 14.61 4.57 2.31 4.27
Tax Burden
 0.66 0.67 0.70 0.76 0.69
Interest Burden
 0.83 0.99 0.68 0.58 0.78
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.00 0.00 0.04 0.02 0.04
Stock-Based Compensation to Revenue
 <0.01 0.00 <0.01 <0.01 <0.01
Income Quality
 0.80 1.83 -3.19 7.00 2.16
Currency in ILS