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* The 5-Year EBITDA Growth Rate is the 5-year average EBITDA per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Harel Insurance Investments & Financial Services (XTAE:HARL) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Harel Insurance Investments & Financial Services PEG Ratio Related Terms
Harel Insurance Investments & Financial Services PEG Ratio 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 PEG Ratio Chart
Harel Insurance Investments & Financial Services Annual Data
* 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 PEG Ratio 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.
* Note: The 5-Year EBITDA Growth Rate is the 5-year average EBITDA per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Harel Insurance Investments & Financial Services (XTAE:HARL) has a PEG Ratio of 0.50 as of Sep. 21, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Harel Insurance Investments & Financial Services and its competitors. This is 35% below median its historical median of 0.77. Over the past decade, Harel Insurance Investments & Financial Services' PEG Ratio has ranged from 0.08 to 12.11. According to the industry distribution chart, Harel Insurance Investments & Financial Services ranks #62 out of 181 companies in the Insurance industry, placing it in the top 34.3%.
Is Harel Insurance Investments & Financial Services' PEG Ratio too high?
Harel Insurance Investments & Financial Services' current PEG Ratio of 0.50 is 35% below median its 10-year median of 0.77. Over the past 10 years, this metric has ranged from a low of 0.08 to a high of 12.11. The Insurance industry median PEG Ratio is 0.82. Harel Insurance Investments & Financial Services' value of 0.50 is 39% below this industry median. Based on the distribution chart, Harel Insurance Investments & Financial Services ranks #62 out of 181 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' PEG Ratio compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Harel Insurance Investments & Financial Services ranks #62 out of 181 companies for PEG Ratio. This puts Harel Insurance Investments & Financial Services in the upper half of its industry. The industry median PEG Ratio is 0.82. Harel Insurance Investments & Financial Services' value of 0.50 is 39% below this benchmark. Historically, Harel Insurance Investments & Financial Services' own PEG Ratio has ranged from 0.08 to 12.11 over the past decade. While the company's 10-year median is 0.77 vs. the industry median of 0.82, 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 PEG Ratio for an Insurance company?
The median PEG Ratio among Insurance companies is 0.82, based on 181 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Harel Insurance Investments & Financial Services's current PEG Ratio of 0.50 is 39% 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Harel Insurance Investments & Financial Services and its competitors. For the Insurance industry, the median PEG Ratio is 0.82 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Harel Insurance Investments & Financial Services's current PEG Ratio is 0.50, which is 35% below median its own 10-year median of 0.77. 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 PEG Ratio is 0.50, which is 35% below median its 10-year median of 0.77 and 39% below the Insurance industry median of 0.82. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Harel Insurance Investments & Financial Services (XTAE:HARL), the current PEG Ratio is 0.50 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:
PEG Ratio: 0.50 (35% below median its 10-year median of 0.77)
GF Value™: ₪76.48 vs. price of ₪200.00 (161.5% above fair value)
Industry Position: 39% below the Insurance median (#62 of 181)
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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