Harel Insurance Investments & Financial Services Ltd (HARL.TA) stock analysis

In our weekly check, Harel Insurance Investments & Financial Services Ltd is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 19 pass, warnings: 3, red flags: 3.

About Harel Insurance Investments & Financial Services Ltd

Harel Insurance Investments & Financial Services Ltd is a Financial Services company (Insurance - Diversified) based in Israel, listed on TLV as HARL.TA.

What our checks show for HARL.TA

Red flags

• Analysts expect revenue to shrink about 22.8% a year.
• The stock has fallen as much as 60% from a peak. Would you have held through that?
• Recovering from its deepest fall took about 6 years.

Warning signs

• The price swings a lot: 39.4% annual volatility. Expect large ups and downs.
• Thinly traded (about 307 thousand shares a day): buying and selling can move the price.
• Return on capital (ROCE) is only 7.6%.

Strengths

• The net margin rose by 6.2 points over 5 years, to 10.6%.
• The gross margin is 98.9% and has risen by 5.5 points: pricing power is holding.
• Operating cash flow is 1.67x net profit: the profit arrives as real cash.
• Analysts expect the net margin to improve by 10.7 points from today's 10.6%.
• Revenue grew 34.4% a year over the last 3 years.
• Earnings per share grew 55.2% a year over the last 3 years.

Next earnings report: 2026-11-30

Similar companies

ACGL · HIG · TLX.DE · PHOE.TA · AIG · SLF

Questions

What grade does Harel Insurance Investments & Financial Services Ltd (HARL.TA) have?

In our weekly check, Harel Insurance Investments & Financial Services Ltd is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 19 pass, warnings: 3, red flags: 3. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of HARL.TA stock?

This week's biggest flags for Harel Insurance Investments & Financial Services Ltd: Weak revenue forecast, Deep past fall, Slow recovery after falls. In total 6 of 25 checks show a warning or a red flag.

What does Harel Insurance Investments & Financial Services Ltd do?

Harel Insurance Investments & Financial Services Ltd is a Financial Services company (Insurance - Diversified) based in Israel, listed on TLV as HARL.TA.

When does Harel Insurance Investments & Financial Services Ltd report earnings next?

The next earnings report is expected on 2026-11-30. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-31

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