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 3.73x as of December 2025. Operating cash flow of ILA3.01 Billion exceeds net income of ILA806.00 Million, indicating high earnings quality where cash backs reported profits. Explore investment intensity of Harel Insurance Investments & Financial to see how much of total assets are deployed in long-term investments.
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 tangible equity quality to evaluate the tangible quality of the company's equity base.
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 HARL stock market capitalisation.
| 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 | — |