HARL.TA

Harel Insurance Investments & Financial Services Ltd [HARL.TA] Stock Forecast

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HARL.TA Stock Summary

Earnings have grown 96.72% per last year.

Earnings are expected to fall -100% next year

EPS has been decreasing for the past 3 years (Yearly statements)

HARL.TA has less than 1 year of cash runway

Debt-to-Equity ratio of 1.23 is considered moderate, deeper research suggested.

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HARL.TA

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HARL.TA Financial details

Company Rating

Buy

Market Cap

7.21B

Income

488M

Revenue

24.86B

Book val./share

Cash/share

Dividend

Dividend %

Employees

5.16K

Optionable

Shortable

Yes

Earnings

27 May 2024

P/E

10.33

Forward P/E

PEG

-1.34

P/S

0.25

P/B

0.7

P/C

P/FCF

1.87

Quick Ratio

1.91

Current Ratio

1.91

Debt / Equity

1.23

LT Debt / Equity

1.17

EPS (TTM)

0.99

EPS next Y

EPS next Q

EPS this Y

EPS next Y

EPS next 5Y

EPS last 5Y

Revenue last 5Y

1.45%

Revenue Q/Q

30.72%

EPS Q/Q

SMA20

-3.09%

SMA50

9.28%

SMA100

21.66%

Inst Own

Inst Trans

ROA

ROE

ROC

0.01%

Gross Margin

100%

Oper. Margin

Profit Margin

Payout

17%

Shs Outstand

Shs Float

Target Price

52W Range

2400.0-3740.0

52W High

-9.65%

52W Low

+40.79%

RSI

Rel Volume

0.93

Avg Volume

289.01K

Volume

268.54K

Perf Week

-2.48%

Perf Month

-3.51%

Perf Quarter

23.95%

Perf Half Y

27.08%

Beta

0.557

Volatility

54.42%, 111.63%

Prev Close

Price

3379

Change

2.61%

HARL.TA Financial Performance

Yearly Fundamentals Overview

Last date of statement is 2023-12-31

Metric	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31
	2.02K	2.02K	2.02K	2.02K	2.02K
Revenue per share	107.87	87.33	128.32	59.57	0
Net income per share	1.11	3.38	5.65	4.27	0
Operating cash flow per share	-1.68	6.59	5.56	10.3	0
Free cash flow per share	-3.1	4.97	3.91	8.55	0
Cash per share	103.71	113.94	122.57	117.34	0
Book value per share	30.03	36.08	41.38	39.3	0
Tangible book value per share	491.83	27.73	31.05	28.48	0
Share holders equity per share	30.03	36.08	41.38	39.3	0
Interest debt per share	31.7	28.7	34.73	36.04	0
Market cap	5.78B	6.35B	7.57B	6.46B	0
Enterprise value	5.19B	3.29B	7.07B	5.36B	-1.51B
P/E ratio	24.17	8.76	6.26	7.13	0
Price to sales ratio	0.25	0.34	0.28	0.51	0
POCF ratio	-16	4.49	6.35	2.96	0
PFCF ratio	-8.7	5.95	9.04	3.56	0
P/B Ratio	0.9	0.82	0.85	0.77	0
PTB ratio	0.9	0.82	0.85	0.77	0
EV to sales	0.22	0.18	0.26	0.42	-0.06
Enterprise value over EBITDA	16.02	2.79	3.83	2.61	-1.31
EV to operating cash flow	-14.38	2.33	5.94	2.45	-0.44
EV to free cash flow	-7.82	3.08	8.45	2.96	-0.5
Earnings yield	0.04	0.11	0.16	0.14	0
Free cash flow yield	-0.11	0.17	0.11	0.28	0
Debt to equity	1.03	0.77	0.81	0.87	1.23
Debt to assets	0.06	0.05	0.05	0.05	0.08
Net debt to EBITDA	-1.81	-2.6	-0.27	-0.53	-1.31
Current ratio	32.08	24.43K	23.67	27.96	21.2
Interest coverage	0.37	4.6	5.22	4.59	1.56
Income quality	-1.51	1.95	0.98	2.39	7
Dividend Yield	0.06	0	0.03	0.06	0
Payout ratio	1.44	0	0.21	0.44	0.21
Sales general and administrative to revenue	0.02	0.03	0.02	0.04	0.02
Research and developement to revenue	0	0	0	0	0
Intangibles to total assets	0.01	0.02	0.02	0.02	0.02
Capex to operating cash flow	0.84	-0.25	-0.3	-0.17	-0.13
Capex to revenue	-0.01	-0.02	-0.01	-0.03	-0.02
Capex to depreciation	-1.15	-1.2	-1.1	-0.97	-1.05
Stock based compensation to revenue	0	0	0	0	0
Graham number	27.45	52.36	72.51	61.45	0
ROIC	0	0.05	0.07	0.07	0.03
Return on tangible assets	0	0.01	0.01	0.01	0
Graham Net	67.48	-408.46	-478.87	-480.87	0
Working capital	21.54B	24.43B	25.14B	24B	25.25B
Tangible asset value	105.44B	5.94B	6.65B	6.04B	6.5B
Net current asset value	14.47B	-87.57B	-102.53B	-102B	-109.36B
Invested capital	1.03	0.77	0.81	0.87	1.23
Average receivables	0	0	0	0	0
Average payables	0	250.5M	539.5M	577.5M	690.5M
Average inventory	0	0	0	0	0
Days sales outstanding	0	0	0	0	0
Days payables outstanding	0	0	0	0	0
Days of inventory on hand	0	0	0	0	0
Receivables turnover	0	0	0	0	0
Payables turnover	0	0	0	0	0
Inventory turnover	0	0	0	0	0
ROE	0.04	0.09	0.14	0.11	0.05
Capex per share	-1.41	-1.62	-1.65	-1.75	0

Quarterly Fundamentals Overview

Last date of statement is 2023-12-31 for Q4

Metric	2022-12-31	2023-03-31	2023-06-30	2023-09-30	2023-12-31
	2.02K	2.02K	2.02K	2.02K	2.02K
Revenue per share	26.52	26.83	37.46	23.43	0
Net income per share	1.84	-0.21	-0.23	1.43	0
Operating cash flow per share	7.32	-0.43	11.72	-1.11	0
Free cash flow per share	6.95	-1.11	11.2	-1.62	0
Cash per share	118.94	39.7	54.21	52.9	0
Book value per share	39.83	39.8	40.19	41.53	0
Tangible book value per share	28.87	28.83	29.15	30.25	0
Share holders equity per share	39.83	39.8	40.19	41.53	0
Interest debt per share	34.89	37.2	45.04	46.01	0
Market cap	6.37B	6.35B	6.06B	6.43B	0
Enterprise value	5.27B	5.7B	4.01B	4.85B	-1.51B
P/E ratio	4.15	-35.3	-30.91	5.34	0
Price to sales ratio	1.15	1.13	0.77	1.31	0
POCF ratio	4.16	-69.83	2.46	-27.61	0
PFCF ratio	4.38	-27.16	2.58	-18.98	0
P/B Ratio	0.76	0.76	0.72	0.74	0
PTB ratio	0.76	0.76	0.72	0.74	0
EV to sales	0.95	1.01	0.51	0.99	-0.24
Enterprise value over EBITDA	7.87	32.57	-1.34K	9.35	-2.47
EV to operating cash flow	3.45	-62.63	1.63	-20.8	-1.13
EV to free cash flow	3.63	-24.36	1.7	-14.29	-1.22
Earnings yield	0.06	-0.01	-0.01	0.05	0
Free cash flow yield	0.23	-0.04	0.39	-0.05	0
Debt to equity	0.87	0.92	1.11	1.09	1.23
Debt to assets	0.05	0.06	0.07	0.07	0.08
Net debt to EBITDA	-1.64	-3.74	683	-3.07	-2.47
Current ratio	27.96	1.57	2.09	1.91	21.2
Interest coverage	31.56	0.45	-0.93	2.85	7.46
Income quality	3.97	2.02	-53.52	-0.77	4.71
Dividend Yield	0	0.02	0	0	0
Payout ratio	0	-2.22	0	0	0
Sales general and administrative to revenue	-0.1	0.08	0.05	0.08	-0.09
Research and developement to revenue	0	0	0	0	0
Intangibles to total assets	0.02	0.02	0.02	0.02	0.02
Capex to operating cash flow	-0.05	1.57	-0.04	0.45	-0.07
Capex to revenue	-0.01	-0.03	-0.01	-0.02	-0.01
Capex to depreciation	-0.75	-1.22	-0.99	-0.96	-1.02
Stock based compensation to revenue	0	0	0	0	0
Graham number	40.56	13.84	14.52	36.62	0
ROIC	0.03	0	0	0.02	0.02
Return on tangible assets	0	0	0	0	0
Graham Net	-487.45	-570.06	-583.82	-587.86	0
Working capital	24B	3.04B	5.93B	5.28B	25.25B
Tangible asset value	6.04B	6.07B	6.13B	6.35B	6.5B
Net current asset value	-102B	-119.95B	-122.66B	-123.31B	-109.36B
Invested capital	0.87	0.92	1.11	1.09	1.23
Average receivables	0	0	0	0	0
Average payables	2.61B	2.81B	5.09B	5.24B	3.08B
Average inventory	0	0	0	0	0
Days sales outstanding	0	0	0	0	0
Days payables outstanding	0	0	0	0	0
Days of inventory on hand	0	0	0	0	0
Receivables turnover	0	0	0	0	0
Payables turnover	0	0	0	0	0
Inventory turnover	0	0	0	0	0
ROE	0.05	-0.01	-0.01	0.03	0.03
Capex per share	-0.37	-0.68	-0.52	-0.51	0

HARL.TA Frequently Asked Questions

What is Harel Insurance Investments & Financial Services Ltd stock symbol ?

Harel Insurance Investments & Financial Services Ltd is a IL stock and trading under the symbol HARL.TA

What is Harel Insurance Investments & Financial Services Ltd stock quote today ?

Harel Insurance Investments & Financial Services Ltd stock price is $3379 today.

Is Harel Insurance Investments & Financial Services Ltd stock public?

Yes, Harel Insurance Investments & Financial Services Ltd is a publicly traded company.

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Company Profile

Volume Average 289.01K
Market Capitalization 7.21B
Employee 5.16K
CEO Mr. Michel Siboni
Headquarters Ramat Gan,IL
IPO Date 2002-08-12
Website https://www.harel-group.co.il

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.