Harel Insurance Investments & Financial Services (XTAE:HARL) E10: ₪ (As of Jun. 2026)

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XTAE:HARL Harel Insurance Investments & Financial Services Ltd XTAE:HARL
75 GF Score
Price ₪200.00
GF Value ₪76.48
Valuation Significantly Overvalued
! 5 Warning Signs
View Full Analysis

What is Harel Insurance Investments & Financial Services E10?

Harel Insurance Investments & Financial Services XTAE:HARL 75 E10 is ₪ as of Jun. 2026. GuruFocus rates XTAE:HARL with a GF Score™ of 75/100 and a GF Value™ of ₪76.48 (Significantly Overvalued). The stock has 5 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Harel Insurance Investments & Financial Services's adjusted earnings per share data for the three months ended in Jun. 2026 was ₪5.195. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is for the trailing ten years ended in Jun. 2026.

During the past 12 months, Harel Insurance Investments & Financial Services's average E10 Growth Rate was 30.10% per year. During the past 3 years, the average E10 Growth Rate was 22.80% per year. During the past 5 years, the average E10 Growth Rate was 18.60% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Harel Insurance Investments & Financial Services was 22.80% per year. The lowest was 8.50% per year. And the median was 18.60% per year.

As of today (2026-09-21), Harel Insurance Investments & Financial Services's current stock price is ₪200.00. Harel Insurance Investments & Financial Services's E10 for the quarter that ended in Jun. 2026 was . Harel Insurance Investments & Financial Services's Shiller PE Ratio of today is .

During the past 13 years, the highest Shiller PE Ratio of Harel Insurance Investments & Financial Services was 29.49. The lowest was 6.46. And the median was 10.50.


Harel Insurance Investments & Financial Services  (XTAE:HARL) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

During the past 13 years, the highest Shiller P/E Ratio of Harel Insurance Investments & Financial Services was 29.49. The lowest was 6.46. And the median was 10.50.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Harel Insurance Investments & Financial Services E10 Related Terms


Harel Insurance Investments & Financial Services E10 Historical Data

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The historical data trend for Harel Insurance Investments & Financial Services's E10 can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Harel Insurance Investments & Financial Services E10 Chart

Harel Insurance Investments & Financial Services Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
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Harel Insurance Investments & Financial Services Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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XTAE:HARL vs BRK.A, AIG, HIG: E10 Comparison

For the Insurance - Diversified subindustry, Harel Insurance Investments & Financial Services's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Harel Insurance Investments & Financial Services Shiller PE Ratio vs Insurance Industry

For the Insurance industry and Financial Services sector, Harel Insurance Investments & Financial Services's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Harel Insurance Investments & Financial Services's Shiller PE Ratio falls into.


XTAE:HARL
75GF Score
Harel Insurance Investments & Financial Services Ltd XTAE:HARL
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Harel Insurance Investments & Financial Services E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Harel Insurance Investments & Financial Services's adjusted earnings per share data for the three months ended in Jun. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=5.1947/333.9520*333.9520
=5.195

Current CPI (Jun. 2026) = 333.9520.

Harel Insurance Investments & Financial Services Quarterly Data

per share eps CPI Adj_EPS
201609 0.770 241.428 1.065
201612 1.120 241.432 1.549
201703 1.370 243.801 1.877
201706 0.570 244.955 0.777
201709 0.380 246.819 0.514
201712 0.890 246.524 1.206
201803 0.398 249.554 0.533
201806 0.848 251.989 1.124
201809 1.298 252.439 1.717
201812 0.426 251.233 0.567
201903 1.031 254.202 1.354
201906 1.334 256.143 1.739
201909 -1.157 256.759 -1.505
201912 0.788 256.974 1.024
202003 -0.630 258.115 -0.815
202006 1.306 257.797 1.692
202009 1.479 260.280 1.897
202012 1.227 260.474 1.573
202103 1.134 264.877 1.429
202106 1.241 271.696 1.525
202109 1.297 274.310 1.579
202112 1.982 278.802 2.374
202203 2.912 287.504 3.383
202206 -0.860 296.311 -0.969
202209 0.402 296.808 0.452
202212 1.819 296.797 2.047
202303 -0.227 301.836 -0.252
202306 -0.233 305.109 -0.255
202309 1.435 307.789 1.557
202312 1.355 306.746 1.475
202403 1.143 312.332 1.222
202406 1.903 314.175 2.023
202409 3.070 315.301 3.252
202412 1.640 315.605 1.735
202503 2.402 319.799 2.508
202506 4.048 322.561 4.191
202509 4.146 324.800 4.263
202512 3.920 324.054 4.040
202603 2.675 330.213 2.705
202606 5.195 333.952 5.195

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of ₪ mean?
Harel Insurance Investments & Financial Services (XTAE:HARL) has a E10 of ₪ as of Jun. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Harel Insurance Investments & Financial Services and its competitors.
Is Harel Insurance Investments & Financial Services' E10 too high?
Harel Insurance Investments & Financial Services' current E10 is ₪. Overall, Harel Insurance Investments & Financial Services has a GF Score™ of 75/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Harel Insurance Investments & Financial Services' E10 compare to BRK.A and AIG?
Harel Insurance Investments & Financial Services' E10 of ₪ can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for an Insurance company?
A good E10 depends on the Insurance industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Harel Insurance Investments & Financial Services and its competitors. Harel Insurance Investments & Financial Services's current E10 is ₪. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Harel Insurance Investments & Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Harel Insurance Investments & Financial Services (XTAE:HARL) is currently considered Significantly Overvalued. The stock's GF Value™ is ₪76.48, compared to a current price of ₪200.00 — trading 161.5% above its estimated fair value. The current E10 is ₪. Harel Insurance Investments & Financial Services' overall GF Score™ is 75/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Harel Insurance Investments & Financial Services (XTAE:HARL), the current E10 is ₪ as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Harel Insurance Investments & Financial Services (XTAE:HARL) Overvalued in 2026?

Based on GuruFocus' analysis, Harel Insurance Investments & Financial Services stock appears to be overvalued. The current stock price of ₪200.00 is trading 161.5% above its estimated GF Value™ of ₪76.48. GuruFocus considers Harel Insurance Investments & Financial Services to be Significantly Overvalued.

Key valuation signals for XTAE:HARL:

  • E10:
  • GF Value™: ₪76.48 vs. price of ₪200.00 (161.5% above fair value)
  • GF Score™: 75/100 with 5 warning signs

No single metric tells the full story. See the XTAE:HARL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Harel Insurance Investments & Financial Services Business Description

Address 3 Abba Hillel Street, Ramat Gan, ISR
Harel Insurance Investments & Financial Services Ltd is a diversified insurance company that offers a selection of life insurance policies, health insurance, nursing insurance, travel insurance, car insurance, and rent and property insurance to residential and commercial customers in Israel. The company also generates revenue through investment portfolio management, mutual funds, and exchange-traded funds. Its operating segments include Life assurance and long-term savings, Health insurance, and Non-life insurance. Non-life insurance consists of five sub-segments: Motor property (CASCO); Compulsory motor; Other liabilities sectors; Property and other sectors; and Credit insurance for residential mortgages and development and operating services for mortgage portfolios.
75GF Score

Get the complete analysis for XTAE:HARL

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₪200.00
Price
₪76.48
GF Value