Harel Insurance Investments & Financial Services Ltd (HARL) - Cash Flow Conversion Efficiency

Latest as of December 2025: 0.247x

Based on the latest financial reports, Harel Insurance Investments & Financial Services Ltd (HARL) has a cash flow conversion efficiency ratio of 0.247x as of December 2025. Cash flow conversion efficiency measures how effectively a company's net assets (equity) generate operating cash flow. It is calculated by dividing operating cash flow (ILA3.01 Billion ≈ $8.06 Million USD) by net assets (ILA12.19 Billion ≈ $32.69 Million USD). A higher ratio indicates that the company is more efficient at using its equity to generate cash flow from its core operations.

Harel Insurance Investments & Financial Services Ltd - Cash Flow Conversion Efficiency Trend (2004–2025)

This chart illustrates how Harel Insurance Investments & Financial Services Ltd's cash flow conversion efficiency has evolved over time, based on yearly financial data. Read HARL total liabilities for a breakdown of total debt and financial obligations.

Harel Insurance Investments & Financial Services Ltd Competitors by Cash Flow Conversion Efficiency

The table below lists competitors of Harel Insurance Investments & Financial Services Ltd ranked by their cash flow conversion efficiency.

Company	Cash Flow Conversion Efficiency
Vietnam JSCmmercial Bank for Industry and Trade VN:CTG	-0.013x
Gartner Inc NYSE:IT	0.921x
Western Mining Co Ltd SHG:601168	0.057x
Aritzia Inc TO:ATZ	0.266x
Zhejiang Chint Electrics Co SHG:601877	0.155x
MP Materials Corp NYSE:MP	-0.018x
Absa Group Ltd JSE:ABG	-0.449x
Deutsche Lufthansa AG XETRA:LHA	0.097x

Annual Cash Flow Conversion Efficiency for Harel Insurance Investments & Financial Services Ltd (2004–2025)

The table below shows the annual cash flow conversion efficiency of Harel Insurance Investments & Financial Services Ltd from 2004 to 2025. For the full company profile with market capitalisation and key ratios, see Harel Insurance Investments & Financial (HARL) market capitalisation.

Year	Net Assets	Operating Cash Flow	Cash Flow Conversion Efficiency	Change
2025-12-31	ILA12.19 Billion ≈ $32.69 Million	ILA5.47 Billion ≈ $14.67 Million	0.449x	+235.07%
2024-12-31	ILA9.20 Billion ≈ $24.68 Million	ILA-3.06 Billion ≈ $-8.20 Million	-0.332x	-185.70%
2023-12-31	ILA8.95 Billion ≈ $24.00 Million	ILA3.47 Billion ≈ $9.31 Million	0.388x	+48.86%
2022-12-31	ILA8.39 Billion ≈ $22.49 Million	ILA2.19 Billion ≈ $5.86 Million	0.261x	+55.91%
2021-12-31	ILA8.89 Billion ≈ $23.84 Million	ILA1.49 Billion ≈ $3.98 Million	0.167x	-8.30%
2020-12-31	ILA7.75 Billion ≈ $20.79 Million	ILA1.41 Billion ≈ $3.79 Million	0.182x	+449.31%
2019-12-31	ILA6.92 Billion ≈ $18.55 Million	ILA-361.00 Million ≈ $-967.83K	-0.052x	-130.58%
2018-12-31	ILA5.92 Billion ≈ $15.87 Million	ILA1.01 Billion ≈ $2.71 Million	0.171x	-28.20%
2017-12-31	ILA4.32 Billion ≈ $11.59 Million	ILA1.03 Billion ≈ $2.75 Million	0.238x	-63.75%
2016-12-31	ILA5.17 Billion ≈ $13.85 Million	ILA3.39 Billion ≈ $9.08 Million	0.656x	+211.59%
2015-12-31	ILA4.91 Billion ≈ $13.17 Million	ILA1.03 Billion ≈ $2.77 Million	0.210x	+139.99%
2014-12-31	ILA4.72 Billion ≈ $12.66 Million	ILA-2.48 Billion ≈ $-6.66 Million	-0.526x	+45.35%
2013-12-31	ILA4.51 Billion ≈ $12.10 Million	ILA-4.34 Billion ≈ $-11.64 Million	-0.963x	-58.29%
2012-12-31	ILA4.15 Billion ≈ $11.13 Million	ILA-2.53 Billion ≈ $-6.77 Million	-0.608x	-980.90%
2011-12-31	ILA3.53 Billion ≈ $9.46 Million	ILA243.65 Million ≈ $653.21K	0.069x	+113.24%
2010-12-31	ILA3.58 Billion ≈ $9.60 Million	ILA-1.87 Billion ≈ $-5.01 Million	-0.521x	-383.37%
2009-12-31	ILA3.22 Billion ≈ $8.63 Million	ILA-347.17 Million ≈ $-930.74K	-0.108x	-379.53%
2008-12-31	ILA2.48 Billion ≈ $6.64 Million	ILA95.65 Million ≈ $256.43K	0.039x	-89.41%
2007-12-31	ILA3.00 Billion ≈ $8.06 Million	ILA1.10 Billion ≈ $2.94 Million	0.365x	+780.22%
2006-12-31	ILA2.50 Billion ≈ $6.70 Million	ILA-133.94 Million ≈ $-359.09K	-0.054x	-123.32%
2005-12-31	ILA2.19 Billion ≈ $5.88 Million	ILA503.75 Million ≈ $1.35 Million	0.230x	+15.83%
2004-12-31	ILA1.80 Billion ≈ $4.82 Million	ILA356.60 Million ≈ $956.03K	0.198x	--

About Harel Insurance Investments & Financial Services Ltd

TA:HARL Israel Insurance - Diversified

Market Cap

$10.30 Billion

ILA3.84 Trillion ILA

Market Cap Rank

#2192 Global

#8 in Israel

Share Price

ILA18680.00

Change (1 day)

+2.08%

52-Week Range

ILA5945.00 - ILA19360.00

All Time High

ILA19360.00