Harel Insurance Investments & Financial Services Ltd

TASE:HARL Stock Report

Market Cap: ₪21.9b

Harel Insurance Investments & Financial Services Future Growth

Future criteria checks 1/6

Harel Insurance Investments & Financial Services is forecast to grow earnings at 8.3% per annum. EPS is expected to grow by 8.8% per annum.

Key information

8.3%

Earnings growth rate

8.82%

EPS growth rate

Insurance earnings growth3.8%
Revenue growth raten/a
Future return on equity18.55%
Analyst coverage

Low

Last updated04 Aug 2025

Recent future growth updates

Recent updates

Harel Insurance Investments & Financial Services Ltd (TLV:HARL) Soars 26% But It's A Story Of Risk Vs Reward

Jun 20
Harel Insurance Investments & Financial Services Ltd (TLV:HARL) Soars 26% But It's A Story Of Risk Vs Reward

Cautious Investors Not Rewarding Harel Insurance Investments & Financial Services Ltd's (TLV:HARL) Performance Completely

Apr 23
Cautious Investors Not Rewarding Harel Insurance Investments & Financial Services Ltd's (TLV:HARL) Performance Completely

Harel Insurance Investments & Financial Services Ltd's (TLV:HARL) Shares Leap 26% Yet They're Still Not Telling The Full Story

Dec 18
Harel Insurance Investments & Financial Services Ltd's (TLV:HARL) Shares Leap 26% Yet They're Still Not Telling The Full Story

Harel Insurance Investments & Financial Services Ltd's (TLV:HARL) Shares Not Telling The Full Story

Oct 30
Harel Insurance Investments & Financial Services Ltd's (TLV:HARL) Shares Not Telling The Full Story

Earnings and Revenue Growth Forecasts

TASE:HARL - Analysts future estimates and past financials data (ILS Millions)
DateRevenueEarningsFree Cash FlowCash from OpAvg. No. Analysts
6/30/202528,6181,6451,5271,986N/A
3/31/202527,6451,204-2,078-1,614N/A
12/31/202427,105946-3,525-3,059N/A
9/30/202422,8811,288-1,352-902N/A
6/30/202419,8801,212-1,817-1,377N/A
3/31/202423,4297701,6652,091N/A
12/31/202324,9234853,0213,472N/A
9/30/202324,2985882,5663,002N/A
6/30/202322,2273724,6185,041N/A
3/31/202314,6192382,4112,843N/A
12/31/202212,9869061,6041,976N/A
9/30/202214,7939447741,157N/A
6/30/202217,4301,13740411N/A
3/31/202224,3751,5861,2781,633N/A
12/31/202127,1361,2091,1321,486N/A
9/30/202127,7401,0491,1101,448N/A
6/30/202128,3331,0889271,286N/A
3/31/202127,9251,102-789-461N/A
12/31/202018,6627241,0661,413N/A
9/30/202016,20966039393N/A
6/30/202015,01595-748-419N/A
3/31/202013,723101116435N/A
12/31/201922,865457-664-361N/A
9/30/201918,215350635954N/A
6/30/201918,7868751,8092,121N/A
3/31/201917,690770N/A1,627N/A
12/31/201814,723620N/A1,010N/A
9/30/201818,185733N/A779N/A
6/30/201817,248537N/A-153N/A
3/31/201817,302478N/A-381N/A
12/31/201718,094684N/A1,027N/A
9/30/201717,030731N/A1,603N/A
6/30/201716,732814N/A1,487N/A
3/31/201715,798679N/A2,750N/A
12/31/201614,298397N/A3,387N/A
9/30/201614,215393N/A2,243N/A
6/30/201611,84332N/A3,173N/A
3/31/201611,195388N/A2,492N/A
12/31/201513,020456N/A1,033N/A
9/30/201511,975281N/A640N/A
6/30/201513,645542N/A-1,152N/A
3/31/201514,119284N/A-1,864N/A
12/31/201413,055374N/A-2,485N/A
9/30/201414,358546N/A-3,216N/A

Analyst Future Growth Forecasts

Earnings vs Savings Rate: HARL's forecast earnings growth (8.3% per year) is above the savings rate (3%).

Earnings vs Market: HARL's earnings (8.3% per year) are forecast to grow slower than the IL market (16.2% per year).

High Growth Earnings: HARL's earnings are forecast to grow, but not significantly.

Revenue vs Market: Insufficient data to determine if HARL's revenue is forecast to grow faster than the IL market.

High Growth Revenue: Insufficient data to determine if HARL's revenue is forecast to grow faster than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: HARL's Return on Equity is forecast to be low in 3 years time (18.6%).

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/09/14 19:57
End of Day Share Price 2025/09/14 00:00
Earnings2025/06/30
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Harel Insurance Investments & Financial Services Ltd is covered by 8 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Tavy RosnerBarclays
Terence KlingmanExcellence Nessuah Brokerage Services Ltd.
Lior RabinovitzIsrael Brokerage & Investments I.B.I. Ltd.