Harel Insurance Investments & Financial Services Ltd (HARL) Fair Value & Analysis
Financial Services · Il · Market cap 34.2B ILA
Fair value as of: Jun 26, 2026
From 26 valuation models · updated 3 days ago
Share price −10.4% over the past month.
Price vs Fair Value (12 months)
12‑month range 66.84 ILA – 205.90 ILA · fair‑value band 141.72 ILA – 236.20 ILA · the 160.30 ILA price screens below the 188.96 ILA fair value. As of Jun 26, 2026.
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Harel Insurance Investments & Financial Services Ltd (HARL) currently trades at 160.30 ILA, while our model-based Fair Value estimate is 188.96 ILA — implying the stock looks roughly 17.9% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.
Over the trailing twelve months, Harel Insurance Investments & Financial Services Ltd generated revenue of 20.9B ILA at a net margin of 14.6%. Revenue grew 5.2% year over year. It earns a return on equity of 27.0%. Net debt stands at 19.5B ILA. Fundamentals as of Jun 26, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.
About the company
Harel Insurance Investments & Financial Services Ltd offers insurance and financial services in Israel, Europe, and internationally. The company operates through seven segments: Life Insurance and Savings, Health Insurance, General Insurance, Pension Insurance (Pension and Provident Fund), Overseas Insurance Companies, Credit, 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, hospitalization, and personal accidents; travel insurance, insurance for foreign workers, and insurance for tourists; and dental insurance for treatments such as conservative treatment, periodontal treatment, orthodontic treatment, and oral rehabilitation treatment including implants. In addition, it offers motor vehicle insurance…
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Harel Insurance Investments & Financial Services Ltd reported revenue of 30.6B ILA in FY2025 versus 27.5B ILA in FY2021, a compound +2.7%/yr. Reported net income was 3.0B ILA in FY2025, compounding +25.4%/yr from FY2021.
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Similar stocks
6 more Insurance - Diversified stocks, each showing price versus our Fair Value estimate (as of Jun 26, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Berkshire Hathaway Inc BRK | C$35.75 | C$32.35 | -10% |
| Allianz SE ALIZY | $45.82 | $35.64 | -22% |
| Zurich Insurance Group ZURVY | $36.15 | $29.58 | -18% |
| AXA SA AXAHY | $48.81 | $71.60 | +47% |
| Assicurazioni Generali S.p.A ARZGY | $24.41 | $28.91 | +18% |
| Sun Life Financial Inc SLF | $77.66 | $56.68 | -27% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.