Harel Insurance Investments & Financial Services Ltd (HARL) — Financial Flexibility Index
Harel Insurance Investments & Financial Services Ltd (HARL) has a Financial Flexibility Index of 0.01x as of June 2026. Free cash flow of ILA2.42 Billion (operating CF ILA2.26 Billion minus capex ILA161.00 Million) represents 0% of total liabilities (ILA161.51 Billion). Check Harel Insurance Investments & Financial (HARL) reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Harel Insurance Investments & Financial Services Ltd Financial Flexibility Index (2004–2025)
Historical Financial Flexibility Index trend for Harel Insurance Investments & Financial Services Ltd across 22 annual periods. For the full cash flow conversion analysis, see Harel Insurance Investments & Financial cash conversion from operations.
Annual Financial Flexibility Index for Harel Insurance Investments & Financial Services Ltd (2004–2025)
Year-by-year free cash flow to debt coverage for Harel Insurance Investments & Financial Services Ltd. Explore how well can Harel Insurance Investments & Financial service its debt to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (ILA) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.04x | ILA5.51 Billion | ILA5.47 Billion | ILA151.44 Billion | ▲ +309.9% |
| 2024 | -0.02x | ILA-2.59 Billion | ILA-3.06 Billion | ILA149.46 Billion | ▼ -160.1% |
| 2023 | 0.03x | ILA3.92 Billion | ILA3.47 Billion | ILA135.85 Billion | ▲ +43.3% |
| 2022 | 0.02x | ILA2.56 Billion | ILA2.19 Billion | ILA126.88 Billion | ▲ +41.0% |
| 2021 | 0.01x | ILA1.84 Billion | ILA1.49 Billion | ILA128.78 Billion | ▼ -9.1% |
| 2020 | 0.02x | ILA1.76 Billion | ILA1.41 Billion | ILA111.99 Billion | ▲ +3020.8% |
| 2019 | 0.00x | ILA-58.00 Million | ILA-361.00 Million | ILA107.80 Billion | ▼ -103.8% |
| 2018 | 0.01x | ILA1.34 Billion | ILA1.01 Billion | ILA94.10 Billion | ▼ -3.5% |
| 2017 | 0.01x | ILA1.27 Billion | ILA1.03 Billion | ILA86.57 Billion | ▼ -63.3% |
| 2016 | 0.04x | ILA3.65 Billion | ILA3.39 Billion | ILA91.00 Billion | ▲ +154.8% |
| 2015 | 0.02x | ILA1.36 Billion | ILA1.03 Billion | ILA86.57 Billion | ▲ +158.1% |
| 2014 | -0.03x | ILA-2.29 Billion | ILA-2.48 Billion | ILA84.53 Billion | ▲ +49.0% |
| 2013 | -0.05x | ILA-3.94 Billion | ILA-4.34 Billion | ILA74.17 Billion | ▼ -32.1% |
| 2012 | -0.04x | ILA-2.38 Billion | ILA-2.53 Billion | ILA59.22 Billion | ▼ -631.6% |
| 2011 | 0.01x | ILA389.12 Million | ILA243.65 Million | ILA51.40 Billion | ▲ +121.0% |
| 2010 | -0.04x | ILA-1.75 Billion | ILA-1.87 Billion | ILA48.73 Billion | ▼ -465.3% |
| 2009 | -0.01x | ILA-256.79 Million | ILA-347.17 Million | ILA40.31 Billion | ▼ -185.0% |
| 2008 | 0.01x | ILA236.06 Million | ILA95.65 Million | ILA31.52 Billion | ▼ -82.8% |
| 2007 | 0.04x | ILA1.34 Billion | ILA1.10 Billion | ILA30.83 Billion | ▲ +2284.8% |
| 2006 | 0.00x | ILA-55.21 Million | ILA-133.94 Million | ILA27.72 Billion | ▼ -108.8% |
| 2005 | 0.02x | ILA558.30 Million | ILA503.75 Million | ILA24.70 Billion | ▲ +22.0% |
| 2004 | 0.02x | ILA405.80 Million | ILA356.60 Million | ILA21.90 Billion | — |