Harel Insurance Investments & Financial Services Ltd
Harel Insurance Investments & Financial Services Ltd Fundamental Analysis
Harel Insurance Investments & Financial Services Ltd (HAHRF) shows moderate financial fundamentals with a PE ratio of 1.42, profit margin of 7.61%, and ROE of 15.38%. The company generates $24.4B in annual revenue with moderate year-over-year growth of 9.25%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 46.7/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze HAHRF's fundamental strength across five key dimensions:
Efficiency Score
WeakHAHRF struggles to generate sufficient returns from assets.
Valuation Score
ExcellentHAHRF trades at attractive valuation levels.
Growth Score
ExcellentHAHRF delivers strong and consistent growth momentum.
Financial Health Score
WeakHAHRF carries high financial risk with limited liquidity.
Profitability Score
ModerateHAHRF maintains healthy but balanced margins.
Key Financial Metrics
Is HAHRF Expensive or Cheap?
P/E Ratio
HAHRF trades at 1.42 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, HAHRF's PEG of 0.27 indicates potential undervaluation.
Price to Book
The market values Harel Insurance Investments & Financial Services Ltd at 0.19 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -2.66 times EBITDA. This is generally considered low.
How Well Does HAHRF Make Money?
Net Profit Margin
For every $100 in sales, Harel Insurance Investments & Financial Services Ltd keeps $7.61 as profit after all expenses.
Operating Margin
Core operations generate 14.21 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $15.38 in profit for every $100 of shareholder equity.
ROA
Harel Insurance Investments & Financial Services Ltd generates $0.92 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Harel Insurance Investments & Financial Services Ltd generates limited operating cash flow of $2.43B, signaling weaker underlying cash strength.
Free Cash Flow
Harel Insurance Investments & Financial Services Ltd produces free cash flow of $2.39B, offering steady but limited capital for shareholder returns and expansion.
FCF Per Share
Each share generates $9.29 in free cash annually.
FCF Yield
HAHRF converts 21.50% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
1.42
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.27
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.19
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.46
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.76
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.15
vs 25 benchmark
ROA
Return on assets percentage
0.009
vs 25 benchmark
ROCE
Return on capital employed
0.02
vs 25 benchmark
How HAHRF Stacks Against Its Sector Peers
| Metric | HAHRF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 1.42 | 18.79 | Better (Cheaper) |
| ROE | 15.38% | 848.00% | Weak |
| Net Margin | 7.61% | 2879.00% | Weak |
| Debt/Equity | 1.76 | 0.93 | Weak (High Leverage) |
| Current Ratio | 0.00 | 675.55 | Weak Liquidity |
| ROA | 0.92% | -20989.00% (disorted) | Weak |
HAHRF outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Harel Insurance Investments & Financial Services Ltd's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
21.63%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
114.41%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-777.69%
Industry Style: Value, Dividend, Cyclical
Declining