Harel Insurance Investments & Financial Services Ltd (HARL) — Net Asset Quality Index
Harel Insurance Investments & Financial Services Ltd (HARL) has a Net Asset Quality Index of 7.3% as of June 2026. This metric measures the proportion of total assets financed by shareholders' equity — total assets of ILA174.17 Billion minus total liabilities of ILA161.51 Billion yields net assets of ILA12.65 Billion. A higher index indicates a stronger, lower-leverage balance sheet. Check cash flow quality index of Harel Insurance Investments & Financial to evaluate the quality of earnings relative to operating cash generation.
Quality Index
Net Assets
Total Assets
Total Liabilities
Harel Insurance Investments & Financial Services Ltd Net Asset Quality Index Over Time (2000–2025)
This chart shows how Harel Insurance Investments & Financial Services Ltd's Net Asset Quality Index has evolved across 26 annual periods from 2000 to 2025. As of June 2026, the index stands at 7.3%, representing net assets of ILA12.65 Billion against total assets of ILA174.17 Billion ILA. See HARL net assets for net asset value and shareholders' equity analysis.
Annual Net Asset Quality Index for Harel Insurance Investments & Financial Services Ltd (2000–2025)
The table below presents the year-by-year Net Asset Quality Index for Harel Insurance Investments & Financial Services Ltd from 2000 to 2025, covering 26 annual filings. Each row shows total assets, total liabilities, net assets, the quality index percentage, and the change in percentage points compared to the prior year. For live market cap and overall valuation, see market value of Harel Insurance Investments & Financial .
| Year | Quality Index | Net Assets (ILA) | Total Assets | Total Liabilities | Change (pp) |
|---|---|---|---|---|---|
| 2025 | 7.5% | ILA12.19 Billion | ILA163.63 Billion | ILA151.44 Billion | ▲ +1.6 pp |
| 2024 | 5.8% | ILA9.20 Billion | ILA158.66 Billion | ILA149.46 Billion | ▼ -0.4 pp |
| 2023 | 6.2% | ILA8.95 Billion | ILA144.81 Billion | ILA135.85 Billion | ▼ 0.0 pp |
| 2022 | 6.2% | ILA8.39 Billion | ILA135.27 Billion | ILA126.88 Billion | ▼ -0.3 pp |
| 2021 | 6.5% | ILA8.89 Billion | ILA137.67 Billion | ILA128.78 Billion | ▼ 0.0 pp |
| 2020 | 6.5% | ILA7.75 Billion | ILA119.75 Billion | ILA111.99 Billion | ▲ +0.4 pp |
| 2019 | 6.0% | ILA6.92 Billion | ILA114.72 Billion | ILA107.80 Billion | ▲ +0.1 pp |
| 2018 | 5.9% | ILA5.92 Billion | ILA100.02 Billion | ILA94.10 Billion | ▲ +1.2 pp |
| 2017 | 4.8% | ILA4.32 Billion | ILA90.90 Billion | ILA86.57 Billion | ▼ -0.6 pp |
| 2016 | 5.4% | ILA5.17 Billion | ILA96.17 Billion | ILA91.00 Billion | ▲ +0.0 pp |
| 2015 | 5.4% | ILA4.91 Billion | ILA91.49 Billion | ILA86.57 Billion | ▲ +0.1 pp |
| 2014 | 5.3% | ILA4.72 Billion | ILA89.25 Billion | ILA84.53 Billion | ▼ -0.4 pp |
| 2013 | 5.7% | ILA4.51 Billion | ILA78.68 Billion | ILA74.17 Billion | ▼ -0.8 pp |
| 2012 | 6.6% | ILA4.15 Billion | ILA63.37 Billion | ILA59.22 Billion | ▲ +0.1 pp |
| 2011 | 6.4% | ILA3.53 Billion | ILA54.93 Billion | ILA51.40 Billion | ▼ -0.4 pp |
| 2010 | 6.8% | ILA3.58 Billion | ILA52.31 Billion | ILA48.73 Billion | ▼ -0.5 pp |
| 2009 | 7.4% | ILA3.22 Billion | ILA43.53 Billion | ILA40.31 Billion | ▲ +0.1 pp |
| 2008 | 7.3% | ILA2.48 Billion | ILA33.99 Billion | ILA31.52 Billion | ▼ -1.6 pp |
| 2007 | 8.9% | ILA3.00 Billion | ILA33.84 Billion | ILA30.83 Billion | ▲ +0.6 pp |
| 2006 | 8.3% | ILA2.50 Billion | ILA30.22 Billion | ILA27.72 Billion | ▲ +0.1 pp |
| 2005 | 8.2% | ILA2.19 Billion | ILA26.89 Billion | ILA24.70 Billion | ▲ +0.6 pp |
| 2004 | 7.6% | ILA1.80 Billion | ILA23.70 Billion | ILA21.90 Billion | ▲ +0.8 pp |
| 2003 | 6.8% | ILA1.45 Billion | ILA21.39 Billion | ILA19.93 Billion | ▲ +0.8 pp |
| 2002 | 6.0% | ILA1.13 Billion | ILA18.93 Billion | ILA17.80 Billion | ▲ +0.1 pp |
| 2001 | 5.8% | ILA978.45 Million | ILA16.83 Billion | ILA15.85 Billion | ▲ +0.5 pp |
| 2000 | 5.3% | ILA790.00 Million | ILA14.79 Billion | ILA14.00 Billion | — |