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HARL.TA$17050.00+1.19%
Fair $17050.00+0.0%

HARL.TA

Harel Insurance Investments & Financial Services Ltd

Financial Services / Insurance - DiversifiedTel Aviv

$17050.00

+200.00 (+1.19%)

Fairly Valued+0.0%Fair Value $17050.00Fund rank 27/100 · Data gapFallback financials|
SA 49/C
F-Score: 7/9

Book/ROE base 3Y

n/d

n/d CAGR · P/B n/d

Book/ROE base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 100% · confianza 20%

Book/ROE escenarios

weak_data · book/share n/d · quality 54.0/100

Data gap 27/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 35/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

49/100

C

Piotroski

7/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

16/100

SEC 0%

Latest source: unknownPeriods: 4Warnings: 0unknown: 4
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); financial Book/ROE targets are disabled until manually verified.
Thesis & Journal · HARL.TALocal privado en este navegador · Harel Insurance Investments & Financial Services Ltd
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$35.1B

P/E

12.0x

↓

EV/EBITDA

N/A

•

ROE

24.6%

↑

Gross Margin

N/A

•

Debt/Equity

1.86

↑
52-Week Range$17050
$5102$20930

TradingView lightweight chart

HARL.TA price, volumen y niveles de valoración

Último $17,050Periodo +2363.9%
Fair value: $17,050

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2022–2025 · 3 años de histórico normalizado

Revenue CAGR

+30.9%

FCF CAGR

+45.6%

FCF margin

17.4%

FCF / Net income

1.66x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $28.43B · net income $2.99B · FCF $4.95B

2022-FY → 2025-FY

Gross margin

—— pts

Operating margin

—— pts

Net margin

10.5%+3.4% pts

FCF margin

17.4%+4.8% pts
MetricTTM
2025
2024
2023
2022
Income Statement
Revenue$28.43B$28.43B$24.58B$24.86B$12.69B
Net Income$2.99B$2.99B$1.60B$485.0M$906.0M
EPS13.9813.987.762.314.27
Net Margin10.5%10.5%6.5%2.0%7.1%
Balance Sheet
Debt/Equity1.861.861.871.190.87
Current Ratio3.813.81———
Cash Flow
Free Cash Flow$4.95B$4.95B$-3.53B$3.02B$1.60B
Returns
ROE24.6%24.6%16.2%5.3%10.9%
Valuation
P/E11.9711.97673.841266.23740.98
P/B299.64299.64110.2067.1580.52
Growth & Yield
Revenue Growth15.7%15.7%-1.1%95.9%—
EPS Growth80.2%80.2%235.9%-45.9%—
Dividend Yield2.7%2.7%———

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%

3Y implied EPS CAGR

376.5%

muy exigente

EPS terminal req.

$1512.90

Spread vs growth

-296.4%

5Y implied EPS CAGR

165.1%

muy exigente

EPS terminal req.

$1830.61

Spread vs growth

-85.0%

10Y implied EPS CAGR

70.8%

muy exigente

EPS terminal req.

$2948.22

Spread vs growth

9.4%

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · 1Y approxreconcilia total +184.9%

Total return

+184.9%

Start / end P/E

778.5x → 1219.6x

EPS bridge

7.76 → 13.98

Residual

+45.4%

EPS growth+80.2%
Multiple rerating+56.7%
Dividend+2.7%
Residual / FX / buybacks / cross-term+45.4%

Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.