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FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
* 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.
* 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 FCF Yield % vs Insurance Industry
* 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 (XTAE:HARL) has a FCF Yield % of 5.13 as of Sep. 21, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Harel Insurance Investments & Financial Services and its competitors. This is 58% below median its historical median of 12.08. According to the industry distribution chart, Harel Insurance Investments & Financial Services ranks #292 out of 499 companies in the Insurance industry, placing it in the top 58.5%.
Is Harel Insurance Investments & Financial Services' FCF Yield % too high?
Harel Insurance Investments & Financial Services' current FCF Yield % of 5.13 is 58% below median its 10-year median of 12.08. The Insurance industry median FCF Yield % is 7.73. Harel Insurance Investments & Financial Services' value of 5.13 is 33.6% below this industry median. Based on the distribution chart, Harel Insurance Investments & Financial Services ranks #292 out of 499 companies in the Insurance industry, which is below the industry midpoint. 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' FCF Yield % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Harel Insurance Investments & Financial Services ranks #292 out of 499 companies for FCF Yield %. This places Harel Insurance Investments & Financial Services in the lower half of its industry. The industry median FCF Yield % is 7.73. Harel Insurance Investments & Financial Services' value of 5.13 is 33.6% below this benchmark. While the company's 10-year median is 12.08 vs. the industry median of 7.73, Harel Insurance Investments & Financial Services has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Yield % for an Insurance company?
The median FCF Yield % among Insurance companies is 7.73, based on 499 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Harel Insurance Investments & Financial Services's current FCF Yield % of 5.13 is 33.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Harel Insurance Investments & Financial Services and its competitors. For the Insurance industry, the median FCF Yield % is 7.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Harel Insurance Investments & Financial Services's current FCF Yield % is 5.13, which is 58% below median its own 10-year median of 12.08. 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 FCF Yield % is 5.13, which is 58% below median its 10-year median of 12.08 and 33.6% below the Insurance industry median of 7.73. 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 FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Harel Insurance Investments & Financial Services (XTAE:HARL), the current FCF Yield % is 5.13 as of Sep. 21, 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:
FCF Yield %: 5.13 (58% below median its 10-year median of 12.08)
GF Value™: ₪76.48 vs. price of ₪200.00 (161.5% above fair value)
Industry Position: 33.6% below the Insurance median (#292 of 499)
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 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
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FCF Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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