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Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
EBIT
by its Interest Expense. Harel Insurance Investments & Financial Services's
EBIT
for the
three
months ended in Jun. 2026 was ₪1,822 Mil. Harel Insurance Investments & Financial Services's Interest Expense for the
three
months ended in Jun. 2026 was ₪0 Mil.
Harel Insurance Investments & Financial Services's interest coverage for the quarter that ended in Jun. 2026 was 7.41.
The higher the ratio, the stronger the company's financial strength is.
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Harel Insurance Investments & Financial Services Interest Coverage Related Terms
Harel Insurance Investments & Financial Services Interest Coverage Historical Data
* 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
XTAE:HARL vs BRK.A, AIG, HIG: Interest Coverage Comparison
For the Insurance - Diversified subindustry, Harel Insurance Investments & Financial Services's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Insurance Industry
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 Interest Coverage of 7.41 as of Jun. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Harel Insurance Investments & Financial Services and its competitors. This is 34% above median its historical median of 5.55. Over the past decade, Harel Insurance Investments & Financial Services' Interest Coverage has ranged from 2.38 to 9.05. According to the industry distribution chart, Harel Insurance Investments & Financial Services ranks #260 out of 344 companies in the Insurance industry, placing it in the top 75.6%.
Is Harel Insurance Investments & Financial Services' Interest Coverage too high?
Harel Insurance Investments & Financial Services' current Interest Coverage of 7.41 is 34% above median its 10-year median of 5.55. Over the past 10 years, this metric has ranged from a low of 2.38 to a high of 9.05. The Insurance industry median Interest Coverage is 15.52. Harel Insurance Investments & Financial Services' value of 7.41 is 52.3% below this industry median. Based on the distribution chart, Harel Insurance Investments & Financial Services ranks #260 out of 344 companies in the Insurance industry, which is in the bottom quartile relative to peers. 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' Interest Coverage compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Harel Insurance Investments & Financial Services ranks #260 out of 344 companies for Interest Coverage. This places Harel Insurance Investments & Financial Services in the lower half of its industry. The industry median Interest Coverage is 15.52. Harel Insurance Investments & Financial Services' value of 7.41 is 52.3% below this benchmark. Historically, Harel Insurance Investments & Financial Services' own Interest Coverage has ranged from 2.38 to 9.05 over the past decade. While the company's 10-year median is 5.55 vs. the industry median of 15.52, 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 Interest Coverage for an Insurance company?
The median Interest Coverage among Insurance companies is 15.52, based on 344 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Harel Insurance Investments & Financial Services's current Interest Coverage of 7.41 is 52.3% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Harel Insurance Investments & Financial Services and its competitors. For the Insurance industry, the median Interest Coverage is 15.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Harel Insurance Investments & Financial Services's current Interest Coverage is 7.41, which is 34% above median its own 10-year median of 5.55. 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 Interest Coverage is 7.41, which is 34% above median its 10-year median of 5.55 and 52.3% below the Insurance industry median of 15.52. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Harel Insurance Investments & Financial Services (XTAE:HARL), the current Interest Coverage is 7.41 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:
Interest Coverage: 7.41 (34% above median its 10-year median of 5.55)
GF Value™: ₪76.48 vs. price of ₪200.00 (161.5% above fair value)
Industry Position: 52.3% below the Insurance median (#260 of 344)
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
Get the complete analysis for XTAE:HARL
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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