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 -5.14x as of March 2026. Operating cash flow of ILA-2.84 Billion is below net income of ILA553.00 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore how efficiently does Harel Insurance Investments & Financial generate cash to assess how effectively this company generates cash.
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. Check Harel Insurance Investments & Financial cash flow reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
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. For live market cap and the full company financial profile, see how much is Harel Insurance Investments & Financial worth.
| 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 | — |