Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
* 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.
XTAE:HARL vs BRK.A, AIG, HIG: OCF Margin % Comparison
For the Insurance - Diversified subindustry, Harel Insurance Investments & Financial Services's OCF Margin %, along with its competitors' market caps and OCF 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 OCF 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 OCF Margin % of 20.30% as of Jun. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Harel Insurance Investments & Financial Services and its competitors. This is 181% above median its historical median of 7.22. According to the industry distribution chart, Harel Insurance Investments & Financial Services ranks #345 out of 565 companies in the Insurance industry, placing it in the top 61.1%.
Is Harel Insurance Investments & Financial Services' OCF Margin % too high?
Harel Insurance Investments & Financial Services' current OCF Margin % of 20.30% is 181% above median its 10-year median of 7.22. The Insurance industry median OCF Margin % is 12.58. Harel Insurance Investments & Financial Services' value of 20.30% is 61.4% above this industry median. Based on the distribution chart, Harel Insurance Investments & Financial Services ranks #345 out of 565 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' OCF Margin % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Harel Insurance Investments & Financial Services ranks #345 out of 565 companies for OCF Margin %. This places Harel Insurance Investments & Financial Services in the lower half of its industry. The industry median OCF Margin % is 12.58. Harel Insurance Investments & Financial Services' value of 20.30% is 61.4% above this benchmark. While the company's 10-year median is 7.22 vs. the industry median of 12.58, Harel Insurance Investments & Financial Services has consistently been above 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 OCF Margin % for an Insurance company?
The median OCF Margin % among Insurance companies is 12.58, based on 565 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF 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 OCF Margin % of 20.30% is 61.4% above 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Harel Insurance Investments & Financial Services and its competitors. For the Insurance industry, the median OCF Margin % is 12.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Harel Insurance Investments & Financial Services's current OCF Margin % is 20.30%, which is 181% above median its own 10-year median of 7.22. 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 OCF Margin % is 20.30%, which is 181% above median its 10-year median of 7.22 and 61.4% above the Insurance industry median of 12.58. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Harel Insurance Investments & Financial Services (XTAE:HARL), the current OCF Margin % is 20.30% 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:
OCF Margin %: 20.30% (181% above median its 10-year median of 7.22)
GF Value™: ₪76.48 vs. price of ₪200.00 (161.5% above fair value)
Industry Position: 61.4% above the Insurance median (#345 of 565)
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
OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XTAE:HARL has been successfully added to your 
