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

Latest as of March 2026: -0.233x

Based on the latest financial reports, Harel Insurance Investments & Financial Services Ltd (HARL) has a cash flow conversion efficiency ratio of -0.233x as of March 2026. 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 (ILA-2.84 Billion ≈ $-7.62 Million USD) by net assets (ILA12.21 Billion ≈ $32.74 Million USD). A higher ratio indicates that the company is more efficient at using its equity to generate cash flow from its core operations. See Harel Insurance Investments & Financial (HARL) balance sheet quality index to measure how much of total assets are equity-financed.

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. Check HARL operating cash flow to net income to evaluate the quality of earnings relative to operating cash generation.

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
MOWI ASA SP.ADR F:PNDA	0.030x
Raytron Technology Co Ltd SHG:688002	0.074x
APA Group AU:APA	0.209x
China Zheshang Bank Co Ltd SHG:601916	-0.430x
Chongqing Changan Automobile Co Ltd SHE:000625	0.129x
Equatorial Energia S.A SA:EQTL3	0.024x
Godaddy Inc NYSE:GDDY	1.987x
SailPoint, Inc. Common Stock NASDAQ:SAIL	0.009x

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 HARL market cap overview.

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

$9.89 Billion

ILA3.69 Trillion ILA

Market Cap Rank

#2306 Global

#10 in Israel

Share Price

ILA17940.00

Change (1 day)

+3.76%

52-Week Range

ILA9351.00 - ILA20590.00

All Time High

ILA20590.00