Harel Insurance Investments & Financial Services Ltd

$ 16 000.00 -1.54 %

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.

CEO: Nir Cohen - https://www.harel-group.co.il

Price objectif

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Recommandation

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DCF

$ 49 293.59

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HARL.TA vs S&P500

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Quick ratio

0.28

indicates that the company may have difficulty covering its short-term debts with its readily available assets.

P/E ratio

11.25

is considered reasonable, suggesting that the company has a valuation in line with its current profits.

EPS

14.22

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

25.92 %

is generally considered excellent, indicating that the company is generating strong profits with its equity.

ROIC

4.96 %

does not generate enough return to cover its financing costs, which indicates value destruction and may pose long-term profitability issues.

WACC

5.02

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

1.97

means it relies more on debt, which can increase financial risk.

Free cash flow per share

11.98

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

13.14 %

indicates that the company is retaining a large portion of its profits to reinvest in growth

Earnings per share

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Financials

Piotroski score
6 indicates moderate financial health
Altman score
-0.01 indicates a high risk of bankruptcy
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Cash / Debt

Cash Ratio
0.26 indicates liquidity risk, as the company may not have enough cash to meet its immediate obligations
Debt Ratio
0.15 indicates that the company uses little debt to finance its assets, suggesting good financial stability
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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