Harel Insurance Investments & Financial Services Ltd (HARL) — Free Cash Flow Generation Index

Latest as of June 2026: 0.93x

Harel Insurance Investments & Financial Services Ltd (HARL) has a Free Cash Flow Generation Index of 0.93x as of June 2026. Free cash flow of ILA2.10 Billion represents 1% of operating cash flow (ILA2.26 Billion). Explore Harel Insurance Investments & Financial capex to cash flow ratio to see what proportion of operating cash flow is directed to capital expenditures.

FCF Generation Index

0.93x
Free Cash Flow / Operating CF

Free Cash Flow

ILA2.10 Billion
ILA

Operating Cash Flow

ILA2.26 Billion
ILA

Capital Expenditures

ILA161.00 Million
ILA

Harel Insurance Investments & Financial Services Ltd Free Cash Flow Generation Index (2004–2025)

Historical FCF Generation Index trend for Harel Insurance Investments & Financial Services Ltd across 14 annual periods. For the full cash flow conversion analysis, see Harel Insurance Investments & Financial cash flow conversion.

Annual Free Cash Flow Generation for Harel Insurance Investments & Financial Services Ltd (2004–2025)

Year-by-year Free Cash Flow Generation Index for Harel Insurance Investments & Financial Services Ltd. Check total reinvestment intensity of Harel Insurance Investments & Financial to assess the company's total reinvestment commitment from operating cash flow.

Year FCG Index Free Cash Flow (ILA) Operating CF Capital Expenditures YoY Change
2025 0.99x ILA5.43 Billion ILA5.47 Billion ILA41.00 Million ▲ +14.1%
2023 0.87x ILA3.02 Billion ILA3.47 Billion ILA451.00 Million ▲ +4.9%
2022 0.83x ILA1.81 Billion ILA2.19 Billion ILA372.00 Million ▲ +8.9%
2021 0.76x ILA1.13 Billion ILA1.49 Billion ILA354.00 Million ▲ +1.0%
2020 0.75x ILA1.07 Billion ILA1.41 Billion ILA347.00 Million ▲ +11.7%
2018 0.68x ILA682.00 Million ILA1.01 Billion ILA328.00 Million ▼ -11.0%
2017 0.76x ILA779.00 Million ILA1.03 Billion ILA248.00 Million ▼ -17.7%
2016 0.92x ILA3.12 Billion ILA3.39 Billion ILA266.46 Million ▲ +35.4%
2015 0.68x ILA703.00 Million ILA1.03 Billion ILA330.45 Million ▲ +257.4%
2011 0.19x ILA46.38 Million ILA243.65 Million ILA145.47 Million ▲ +142.0%
2008 -0.45x ILA-43.31 Million ILA95.65 Million ILA140.41 Million ▼ -170.1%
2007 0.65x ILA707.77 Million ILA1.10 Billion ILA246.16 Million ▼ -27.5%
2005 0.89x ILA449.19 Million ILA503.75 Million ILA54.56 Million ▲ +3.4%
2004 0.86x ILA307.40 Million ILA356.60 Million ILA49.20 Million —
FCG Index = Free Cash Flow / Operating Cash Flow. FCF = Operating CF + Capital Expenditures (capex stored negative).