Harel Insurance Investments & Financial Services Ltd (HAHRF)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Harel Insurance Investments & Financial Services Ltd (HAHRF) trades at $10.24. Harel Insurance Investments & Financial Services Ltd. is an Israeli financial conglomerate offering a range of insurance and financial products. Market cap: $2.63B, Sector: Financial services.
Price live · AI analysis from Mar 16, 2026Analyst Coverage for HAHRF: HAHRF does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates HAHRF against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
HAHRF: 1/1 perspectives are bearish.
How is this calculated? →Harel Insurance Investments & Financial Services Ltd (HAHRF) Financial Services Profile
Harel Insurance Investments & Financial Services Ltd., founded in 1933 and based in Israel, provides diverse insurance and financial solutions across life, health, and non-life sectors, alongside capital market services. With a market capitalization of $2.63B, Harel operates in Israel, the United States, and Western Europe.
What Is the Investment Thesis for HAHRF?
Harel Insurance Investments & Financial Services Ltd. presents a compelling investment case due to its diversified revenue streams and established market position in Israel and its expansion into the US and Western Europe. With a P/E ratio of 14.93 and a dividend yield of 1.81%, the company demonstrates stable profitability and shareholder returns. A key value driver is its strong gross margin of 98.8%, indicating efficient operations. Growth catalysts include expansion of its digital insurance offerings and strategic partnerships to penetrate new markets. However, potential risks include regulatory changes in the insurance sector and increased competition from global players. Investors should monitor the company's ability to maintain its profitability and market share in a dynamic financial landscape.
Based on FMP financials and quantitative analysis
HAHRF Key Highlights
- Market capitalization of $2.63B, reflecting substantial investor confidence.
- P/E ratio of 14.93, suggesting a reasonable valuation relative to earnings.
- Profit margin of 8.6%, indicating healthy profitability in the financial services sector.
- Gross margin of 98.8%, showcasing efficient cost management and pricing strategies.
- Dividend yield of 1.81%, providing a steady income stream for investors.
Who Are HAHRF's Competitors?
HAHRF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| AFOVF Australian Foundation Investment Company Limited | $4.61 | +0.00% | $5.70B | 48 |
| CTIHY China Taiping Insurance Holdings Company Limited | $68.96 | +0.00% | $9.91B | 62 |
| DIISY Direct Line Insurance Group plc | $18.00 | +15.16% | $5.85B | 66 |
| FDIAY UnipolSai Assicurazioni S.p.A. | $9.02 | +0.00% | $6.38B | 58 |
| HRGLF Hargreaves Lansdown plc | $12.98 | -14.21% | $6.16B | 49 |
| AMLTF AMP Limited | $1.05 | +0.00% | $2.55B | 62 |
| PHLLF Petershill Partners PLC | $4.13 | +0.07% | $4.47B | 59 |
| APLMW Apollomics, Inc. | $0.02 | +15.15% | $280.82M | 59 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are HAHRF's Key Strengths?
- Diversified revenue streams across multiple insurance and financial services segments.
- Established market position in Israel with a strong brand reputation.
- Healthy profit margin and gross margin, indicating efficient operations.
- Experienced management team with a proven track record.
What Are HAHRF's Weaknesses?
- Limited geographic diversification compared to global competitors.
- Exposure to regulatory changes and economic fluctuations in the insurance sector.
- Dependence on traditional insurance products, with limited innovation in emerging areas.
- Potential for increased competition from global players.
What Could Drive HAHRF Stock Higher?
- Expansion of digital insurance offerings to attract younger customers and improve customer experience.
- Strategic partnerships and acquisitions to expand geographic reach and product offerings.
- Penetration of the US market with tailored insurance products.
- Development of innovative financial products with ESG considerations.
- Leveraging data analytics for enhanced customer service and risk assessment.
What Are the Key Risks for HAHRF?
- Financial-distress signal — its Altman Z-Score of 0.50 sits in the distress zone (elevated bankruptcy risk).
- Increased competition from global insurance companies and fintech startups.
- Regulatory changes and compliance costs in the insurance sector.
- Economic downturns and fluctuations in interest rates.
- Cybersecurity risks and data breaches.
- Limited liquidity due to OTC market trading.
What Are the Growth Opportunities for HAHRF?
- Expansion of Digital Insurance Offerings: Harel can capitalize on the increasing demand for digital insurance solutions by investing in online platforms and mobile applications. The global digital insurance market is projected to reach $146 billion by 2027, offering a substantial growth opportunity. By enhancing its digital capabilities, Harel can attract a younger demographic and improve customer experience, leading to increased market share.
- Strategic Partnerships and Acquisitions: Harel can pursue strategic partnerships and acquisitions to expand its geographic reach and product offerings. Collaborating with fintech companies or acquiring smaller insurance firms can provide access to new technologies and customer segments. This strategy can accelerate growth and enhance Harel's competitive position in the market. The timeline for realizing benefits from such partnerships is estimated at 2-3 years.
- Penetration of the US Market: Harel's presence in the United States represents a significant growth opportunity. By tailoring its insurance products to meet the specific needs of the US market, Harel can tap into a large and lucrative customer base. The US insurance market is the largest in the world, with premiums exceeding $1.3 trillion annually. Successful penetration of this market could significantly boost Harel's revenue and profitability.
- Development of Innovative Financial Products: Harel can drive growth by developing innovative financial products that cater to evolving customer needs. This includes offering personalized insurance plans, investment products with ESG (Environmental, Social, and Governance) considerations, and retirement planning solutions. Innovation can attract new customers and differentiate Harel from its competitors. The timeline for launching new products is estimated at 12-18 months.
- Leveraging Data Analytics for Enhanced Customer Service: By leveraging data analytics, Harel can gain deeper insights into customer behavior and preferences. This can enable the company to provide personalized recommendations, improve risk assessment, and enhance customer service. The use of data analytics can lead to increased customer retention and higher sales. The implementation of advanced analytics is an ongoing process with continuous improvements.
What Opportunities Does HAHRF Have?
- Expansion of digital insurance offerings to attract younger customers.
- Strategic partnerships and acquisitions to expand geographic reach and product offerings.
- Penetration of the US market with tailored insurance products.
- Development of innovative financial products with ESG considerations.
What Threats Does HAHRF Face?
- Increased competition from global insurance companies and fintech startups.
- Regulatory changes and compliance costs in the insurance sector.
- Economic downturns and fluctuations in interest rates.
- Cybersecurity risks and data breaches.
What Are HAHRF's Competitive Advantages?
- Established brand reputation in the Israeli insurance market.
- Diversified product offerings across life, health, and non-life insurance segments.
- Extensive distribution network through agents, brokers, and online channels.
- Strong financial position with a healthy profit margin and gross margin.
What Does HAHRF Do?
Founded in 1933 and headquartered in Ramat Gan, Israel, Harel Insurance Investments & Financial Services Ltd. has evolved into a prominent financial conglomerate. The company provides a wide array of insurance and financial services across Israel, the United States, and Western Europe. Harel operates through five key segments: Life Assurance and Long-Term Savings, Health Insurance, Non-life Insurance, Insurance Companies Overseas, and Capital Market and Financial Services. Its offerings include various life insurance products covering death, disability, and critical illness, alongside long-term savings and pension fund management. Harel also provides health insurance plans, covering illness, hospitalization, and personal accidents, as well as travel and dental insurance. The company's non-life insurance segment offers motor property, professional liability, cyber insurance, and various commercial and personal insurance products. Harel further manages mutual funds and investment portfolios, catering to diverse financial needs.
What Products and Services Does HAHRF Offer?
- Offers life insurance products covering death, disability, and critical illness.
- Provides health insurance plans for illness, hospitalization, and personal accidents.
- Offers non-life insurance, including motor property and professional liability coverage.
- Manages pension and provident funds for long-term savings.
- Provides travel and dental insurance.
- Manages mutual funds and investment portfolios.
- Offers certificates of deposit and private equity funds.
How Does HAHRF Make Money?
- Generates revenue through premiums from life, health, and non-life insurance policies.
- Earns fees from managing pension funds, mutual funds, and investment portfolios.
- Receives interest income from certificates of deposit and other financial products.
- Profits from underwriting and risk management activities.
What Industry Does HAHRF Operate In?
Harel Insurance Investments & Financial Services Ltd. operates within the competitive financial conglomerates industry. This sector is characterized by companies offering a broad range of financial services, including insurance, asset management, and investment banking. The industry is influenced by factors such as interest rates, regulatory changes, and economic growth. Harel competes with both local Israeli firms and international players, differentiating itself through its diversified product offerings and established presence in multiple markets. The global insurance market is projected to reach $7 trillion by 2027, presenting significant growth opportunities for companies like Harel.
Who Are HAHRF's Key Customers?
- Individuals seeking life, health, and non-life insurance coverage.
- Corporations requiring professional liability, cyber insurance, and other commercial insurance products.
- Retirees and individuals saving for retirement through pension and provident funds.
- Investors seeking to grow their wealth through mutual funds and investment portfolios.
ROE 26%Key Financial Metrics
Return on equity for Harel Insurance Investments & Financial Services Ltd stands at 25.9%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.9%, showing how much profit it generates from its asset base. HAHRF trades at a trailing price-to-earnings ratio of 10.71, below the Financial Services sector average of ~18x. Its free cash flow yield is 7.6%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.28 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 9.3%, the inverse of the P/E and a quick read on earnings relative to price.
Harel Insurance Investments & Financial Services Ltd (HAHRF) Valuation Context
Valued at $2.63B, HAHRF is classified as a mid-cap stock.
Company Profile
Harel Insurance Investments & Financial Services Ltd operates in the Financial - Conglomerates industry within the Financial Services sector. It is headquartered in Ramat Gan, IL. The company is led by CEO Michel Siboni. HAHRF has traded publicly since 2017.
F-Score 4/9Financial Health
Harel Insurance Investments & Financial Services Ltd's Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.50 places it in the distress zone, a signal of elevated financial risk.
HAHRF Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying signals confidence in the company's future, suggesting that leadership believes in upcoming growth opportunities.
- Community sentiment has shifted positively, with discussions highlighting Harel's strong market position and resilience in a competitive landscape.
- Analysts have noted improvements in operational efficiency, which could lead to increased profitability moving forward.
- Harel's strategic partnerships and investments in technology are seen as a way to enhance service offerings and attract more clients.
Bear Case
- Concerns about regulatory changes in the insurance sector have created uncertainty, leading some investors to be cautious about Harel's future performance.
- Recent community discussions reflect skepticism about the company's ability to adapt to market volatility, especially in economic downturns.
- There is a prevailing sentiment that competition is intensifying, which could pressure Harel's market share and pricing power.
- Some analysts have pointed out potential challenges in maintaining growth rates, given the current economic landscape and consumer behavior shifts.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
HAHRF Latest News
No recent news available for HAHRF.
HAHRF Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for HAHRF.
Price Targets
Wall Street price target analysis for HAHRF.
HAHRF MoonshotScore
What does this score mean?
The MoonshotScore rates HAHRF's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Michel Siboni
CEO
Michel Siboni serves as the CEO of Harel Insurance Investments & Financial Services Ltd. His background includes extensive experience in the financial services industry, with a focus on insurance and investment management. He has held various leadership positions within Harel, contributing to the company's strategic growth and operational efficiency. Siboni's expertise lies in driving innovation and expanding Harel's market presence in Israel and internationally.
Track Record: Under Michel Siboni's leadership, Harel has achieved significant milestones, including expanding its digital insurance offerings and increasing its market share in key segments. He has overseen strategic acquisitions and partnerships that have strengthened Harel's competitive position. Siboni has also focused on improving customer experience and enhancing the company's financial performance.
HAHRF OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Harel Insurance Investments & Financial Services Ltd. may have limited regulatory oversight and disclosure requirements compared to companies listed on major exchanges like the NYSE or NASDAQ. Companies in this tier often have lower trading volumes and may not meet the listing standards of higher-tier OTC markets or national exchanges. Investors should be aware of the potential risks associated with investing in companies on the OTC Other tier, including limited information availability and increased price volatility.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited regulatory oversight and disclosure requirements.
- Lower trading volumes and potential for price volatility.
- Increased risk of fraud or manipulation.
- Difficulty in obtaining reliable financial information.
- Potential for delisting or suspension of trading.
- Verify the company's registration and regulatory filings.
- Review the company's financial statements, if available.
- Assess the company's business model and competitive landscape.
- Evaluate the company's management team and track record.
- Monitor trading volume and price volatility.
- Understand the risks associated with investing in OTC stocks.
- Consult with a financial advisor.
- Established operating history since 1933.
- Presence in multiple geographic markets (Israel, US, Western Europe).
- Diversified product offerings across insurance and financial services.
- Market capitalization of $2.63B, indicating substantial size.
- Employee base of 5158, suggesting a significant operational scale.
Harel Insurance Investments & Financial Services Ltd Financial Services Stock: Key Questions Answered
What does Harel Insurance Investments & Financial Services Ltd do?
Harel Insurance Investments & Financial Services Ltd. is a financial conglomerate offering a broad spectrum of insurance and financial services. It operates through five segments: Life Assurance and Long-Term Savings, Health Insurance, Non-life Insurance, Insurance Companies Overseas, and Capital Market and Financial Services. The company provides life insurance products, health insurance plans, non-life insurance policies, and manages pension and provident funds. Additionally, Harel offers capital market and financial services, including managing mutual funds and investment portfolios, catering to both individual and corporate clients in Israel, the United States, and Western Europe.
What are the main risks for HAHRF?
The main risks for Harel Insurance Investments & Financial Services Ltd. include increased competition from global insurance companies and fintech startups, which could erode market share and profitability. Regulatory changes and compliance costs in the insurance sector pose ongoing challenges. Economic downturns and fluctuations in interest rates could negatively impact investment returns and premium income. Cybersecurity risks and data breaches represent a significant threat to customer data and reputation. Additionally, the limited liquidity associated with trading on the OTC market adds another layer of risk for investors.
What are the key factors to evaluate for HAHRF?
Evaluate HAHRF on fundamentals, analyst consensus, and risk factors. Not financial advice.
How frequently does HAHRF data refresh on this page?
HAHRF prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven HAHRF's recent stock price performance?
Harel Insurance Investments & Financial Services Ltd (HAHRF) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Diversified revenue streams across multiple insurance and financial services segments. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider HAHRF overvalued or undervalued right now?
Valuing Harel Insurance Investments & Financial Services Ltd (HAHRF) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying HAHRF?
Before investing in Harel Insurance Investments & Financial Services Ltd (HAHRF), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Why might investors consider adding HAHRF to a portfolio?
Key strength of Harel Insurance Investments & Financial Services Ltd (HAHRF): Diversified revenue streams across multiple insurance and financial services segments. Weigh rewards against risks and diversify. Not financial advice.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- AI analysis pending for HAHRF, limiting the depth of some insights.
- OTC market data may be less reliable than exchange-listed data.