Harel Insurance Investments & Financial Services Ltd (HARL) — Cash Flow Quality Index
Harel Insurance Investments & Financial Services Ltd (HARL) has a Cash Flow Quality Index of 2.12x as of June 2026. Operating cash flow of ILA2.26 Billion exceeds net income of ILA1.07 Billion, indicating high earnings quality where cash backs reported profits. Explore Harel Insurance Investments & Financial cash debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Harel Insurance Investments & Financial Services Ltd Cash Flow Quality Index (2004–2025)
Historical Cash Flow Quality Index for Harel Insurance Investments & Financial Services Ltd across 21 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see Harel Insurance Investments & Financial cash conversion from operations.
Annual Cash Flow Quality Index for Harel Insurance Investments & Financial Services Ltd (2004–2025)
Year-by-year earnings quality comparison for Harel Insurance Investments & Financial Services Ltd.
| Year | Quality Index | Operating CF (ILA) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.83x | ILA5.47 Billion | ILA2.99 Billion | ▲ +157.4% |
| 2024 | -3.19x | ILA-3.06 Billion | ILA960.00 Million | ▼ -145.5% |
| 2023 | 7.00x | ILA3.47 Billion | ILA496.00 Million | ▲ +190.3% |
| 2022 | 2.41x | ILA2.19 Billion | ILA906.00 Million | ▲ +96.7% |
| 2021 | 1.23x | ILA1.49 Billion | ILA1.21 Billion | ▼ -37.1% |
| 2020 | 1.95x | ILA1.41 Billion | ILA725.00 Million | ▲ +346.7% |
| 2019 | -0.79x | ILA-361.00 Million | ILA457.00 Million | ▼ -148.5% |
| 2018 | 1.63x | ILA1.01 Billion | ILA620.00 Million | ▲ +8.5% |
| 2017 | 1.50x | ILA1.03 Billion | ILA684.07 Million | ▼ -82.4% |
| 2016 | 8.53x | ILA3.39 Billion | ILA397.00 Million | ▲ +276.3% |
| 2015 | 2.27x | ILA1.03 Billion | ILA455.75 Million | ▲ +134.1% |
| 2014 | -6.64x | ILA-2.48 Billion | ILA374.23 Million | ▼ -4.1% |
| 2013 | -6.38x | ILA-4.34 Billion | ILA680.79 Million | ▼ -13.9% |
| 2012 | -5.60x | ILA-2.53 Billion | ILA450.71 Million | ▼ -581.0% |
| 2011 | 1.16x | ILA243.65 Million | ILA209.16 Million | ▲ +133.4% |
| 2010 | -3.49x | ILA-1.87 Billion | ILA534.93 Million | ▼ -385.8% |
| 2009 | -0.72x | ILA-347.17 Million | ILA483.25 Million | ▼ -131.7% |
| 2007 | 2.26x | ILA1.10 Billion | ILA484.05 Million | ▲ +817.2% |
| 2006 | -0.32x | ILA-133.94 Million | ILA424.48 Million | ▼ -130.2% |
| 2005 | 1.04x | ILA503.75 Million | ILA482.51 Million | ▲ +18.8% |
| 2004 | 0.88x | ILA356.60 Million | ILA405.92 Million | — |