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Harel Insurance Investments & Financial Services
Harel Insurance Investments & Financial Services (HARL) investor relations material
Harel Insurance Investments & Financial Services Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2026 earnings summary26 Aug, 2026
Executive summary
Q2 2026 comprehensive income attributable to shareholders was NIS 1.024B, up 30% YoY; H1 was NIS 1.586B, up 19%.
H1 net income was NIS 1.621B vs NIS 1.331B; net CSM reached NIS 17.7B as new-business CSM exceeded CSM release.
Financial highlights
H1 profit before tax was NIS 2.471B vs NIS 1.994B; net investment and financing income rose to NIS 1.892B from NIS 1.292B.
Q2 net income was NIS 1.068B vs NIS 834M; Q2 comprehensive income was NIS 1.024B vs NIS 789M.
H1 insurance service income was NIS 7.028B vs NIS 7.092B; insurance service profit after reinsurance was NIS 1.056B vs NIS 1.124B.
Premiums and deposits reached NIS 25.5B in H1, up 18%; AUM was NIS 638B at June 30, up 17.4% YoY.
Shareholders’ equity was NIS 12.6B at June 30, 2026, vs NIS 11.1B a year earlier.
Outlook and guidance
2028 targets: core profit after tax NIS 3.1–3.3B, adjusted ROE 22%–23%, premiums and deposits NIS 56–58B, and AUM NIS 750–780B.
2028 net CSM target is NIS 19.5–20B; H1 adjusted ROE was 21%.
Strategic priorities include profitable growth, operational excellence, customer relationships and distribution, AI, underwriting quality, credit expansion and capital efficiency.
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Latest events from Harel Insurance Investments & Financial Services
- IFRS 17 moves long-term insurance profit recognition into a gradual CSM release.HARL
IFRS 17 presentation - NIS 785M underwriting improvement in 2023 supports ambitious 2026 profit and ROE targets.HARLStrategy presentation
- Q1 net loss was NIS 45m amid an investment-income rebound and mixed segment results.HARLQ1 2023
- Investment income rebounded, but H1 still recorded a NIS 91m net loss.HARLQ2 2023
- Comprehensive income recovered, but net profit fell amid war and deal uncertainty.HARLQ3 2023
- Underwriting gains lifted adjusted pre-tax profit to NIS 1.41B in 2023.HARLQ4 2023
- Investment gains and underwriting recovery lifted Q1 net profit to NIS 214M.HARLQ1 2024
- 9M profit more than tripled as investment income and insurance results strengthened.HARLQ3 2024
- H1 profit rebounded, while investment and liability effects weighed on comprehensive income.HARLQ2 2024
- Net income more than doubled as insurance business pre-tax income reached NIS 680M.HARLQ1 2025
Next Harel Insurance Investments & Financial Services earnings date
Q3 202624 Nov, 2026
Harel Insurance Investments & Financial Services
Next Harel Insurance Investments & Financial Services earnings date
Q3 202624 Nov, 2026
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