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Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Harel Insurance Investments & Financial Services Net Margin % Related Terms
Harel Insurance Investments & Financial Services Net Margin % 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.
Harel Insurance Investments & Financial Services Net Margin % Chart
Harel Insurance Investments & Financial Services Annual Data
XTAE:HARL vs BRK.A, AIG, HIG: Net Margin % Comparison
For the Insurance - Diversified subindustry, Harel Insurance Investments & Financial Services's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % 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 Net Margin % of 8.82% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on Harel Insurance Investments & Financial Services and its competitors. This is 118% above median its historical median of 4.05. Over the past decade, Harel Insurance Investments & Financial Services' Net Margin % has ranged from 1.95 to 10.83. According to the industry distribution chart, Harel Insurance Investments & Financial Services ranks #207 out of 495 companies in the Insurance industry, placing it in the top 41.8%.
Is Harel Insurance Investments & Financial Services' Net Margin % too high?
Harel Insurance Investments & Financial Services' current Net Margin % of 8.82% is 118% above median its 10-year median of 4.05. Over the past 10 years, this metric has ranged from a low of 1.95 to a high of 10.83. The Insurance industry median Net Margin % is 9.22. Harel Insurance Investments & Financial Services' value of 8.82% is 4.3% below this industry median. Based on the distribution chart, Harel Insurance Investments & Financial Services ranks #207 out of 495 companies in the Insurance industry, which is above 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' Net Margin % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Harel Insurance Investments & Financial Services ranks #207 out of 495 companies for Net Margin %. This puts Harel Insurance Investments & Financial Services in the upper half of its industry. The industry median Net Margin % is 9.22. Harel Insurance Investments & Financial Services' value of 8.82% is 4.3% below this benchmark. Historically, Harel Insurance Investments & Financial Services' own Net Margin % has ranged from 1.95 to 10.83 over the past decade. While the company's 10-year median is 4.05 vs. the industry median of 9.22, 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 Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 9.22, based on 495 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Harel Insurance Investments & Financial Services's current Net Margin % of 8.82% is 4.3% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Harel Insurance Investments & Financial Services and its competitors. For the Insurance industry, the median Net Margin % is 9.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Harel Insurance Investments & Financial Services's current Net Margin % is 8.82%, which is 118% above median its own 10-year median of 4.05. 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 Net Margin % is 8.82%, which is 118% above median its 10-year median of 4.05 and 4.3% below the Insurance industry median of 9.22. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Harel Insurance Investments & Financial Services (XTAE:HARL), the current Net Margin % is 8.82% 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:
Net Margin %: 8.82% (118% above median its 10-year median of 4.05)
GF Value™: ₪76.48 vs. price of ₪200.00 (161.5% above fair value)
Industry Position: 4.3% below the Insurance median (#207 of 495)
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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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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