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HARL

Harleysville Financial Corporation

USD

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Price alert · HARL

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33.35 USD 0.00 0.00%
As of Oct 30, 2026
33.35 Day range 33.35
24.25 52-week range 35.80
YTD
+30.78%
1 year
+34.21%
Open
33.35
Prev close
33.35
Mkt cap
118.70M
Vol
100
Avg vol
1.06K
EPS
3.45
P/E
9.67
More statistics
Low
33.35
High
33.35

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Financial health

Altman Z-Score

0.19 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 4
  • Return on Equity 4
  • Return on Assets 3
  • Debt / Equity 1
  • P/E 3
  • P/B 3

Valuation

P/E 9.5×
FY 2017: 15.1×FY 2018: 12.6×FY 2019: 10.5×FY 2020: 11.6×FY 2021: 13.2×FY 2022: 10.8×FY 2023: 6.8×FY 2024: 9.1×FY 2025: 9.2×FY 2026: 9.5×
FY 2017 5y median 9.2× FY 2026
P/S 2.3×
FY 2017: 2.7×FY 2018: 2.7×FY 2019: 2.5×FY 2020: 2.6×FY 2021: 3.2×FY 2022: 3.1×FY 2023: 2.3×FY 2024: 2.0×FY 2025: 2.0×FY 2026: 2.3×
FY 2017 5y median 2.3× FY 2026
P/B 1.2×
FY 2017: 1.2×FY 2018: 1.2×FY 2019: 1.1×FY 2020: 1.0×FY 2021: 1.2×FY 2022: 1.1×FY 2023: 1.0×FY 2024: 0.9×FY 2025: 1.0×FY 2026: 1.2×
FY 2017 5y median 1.0× FY 2026
P/FCF 0.0×
FY 2017: 11.1×FY 2018: 14.5×FY 2019: 10.9×FY 2020: 9.9×FY 2021: 10.6×FY 2022: 8.7×FY 2023: 7.3×FY 2024: 10.5×FY 2025: 9.3×FY 2026: 0.0×
FY 2017 5y median 8.7× FY 2026
EV/EBITDA 16.9×
FY 2017: 23.7×FY 2018: 17.7×FY 2019: 14.7×FY 2020: 7.6×FY 2021: -3.0×FY 2022: 1.7×FY 2023: 10.1×FY 2024: 14.5×FY 2025: 18.1×FY 2026: 16.9×
FY 2017 5y median 14.5× FY 2026
EV/Sales 5.4×
FY 2017: 6.8×FY 2018: 5.7×FY 2019: 5.1×FY 2020: 2.4×FY 2021: -1.0×FY 2022: 0.7×FY 2023: 4.6×FY 2024: 4.3×FY 2025: 5.4×FY 2026: 5.4×
FY 2017 5y median 4.6× FY 2026
FCF Yield 0.0%
FY 2017: 9.0%FY 2018: 6.9%FY 2019: 9.2%FY 2020: 10.1%FY 2021: 9.4%FY 2022: 11.5%FY 2023: 13.7%FY 2024: 9.6%FY 2025: 10.8%FY 2026: 0.0%
FY 2017 5y median 10.8% FY 2026

Profitability

Gross Margin 69.8%
FY 2017: 73.8%FY 2018: 76.5%FY 2019: 76.8%FY 2020: 76.7%FY 2021: 82.9%FY 2022: 88.7%FY 2023: 89.5%FY 2024: 68.9%FY 2025: 67.8%FY 2026: 69.8%
FY 2017 5y median 69.8% FY 2026
Operating Margin 32.1%
FY 2017: 26.9%FY 2018: 30.1%FY 2019: 32.3%FY 2020: 29.1%FY 2021: 32.3%FY 2022: 37.9%FY 2023: 44.3%FY 2024: 28.2%FY 2025: 28.4%FY 2026: 32.1%
FY 2017 5y median 32.1% FY 2026
Net Margin 24.6%
FY 2017: 18.1%FY 2018: 21.4%FY 2019: 23.5%FY 2020: 22.1%FY 2021: 23.9%FY 2022: 29.0%FY 2023: 33.1%FY 2024: 21.9%FY 2025: 21.9%FY 2026: 24.6%
FY 2017 5y median 24.6% FY 2026
ROE 12.9%
FY 2017: 8.2%FY 2018: 9.9%FY 2019: 10.7%FY 2020: 9.0%FY 2021: 9.0%FY 2022: 10.4%FY 2023: 14.0%FY 2024: 10.2%FY 2025: 10.5%FY 2026: 12.9%
FY 2017 5y median 10.5% FY 2026
ROIC 1.3%
FY 2017: 2.6%FY 2018: 3.8%FY 2019: 4.2%FY 2020: 3.1%FY 2021: 4.4%FY 2022: 5.6%FY 2023: 6.2%FY 2024: 4.5%FY 2025: 3.7%FY 2026: 1.3%
FY 2017 5y median 4.5% FY 2026
ROA 1.3%
FY 2017: 0.7%FY 2018: 0.9%FY 2019: 1.0%FY 2020: 0.8%FY 2021: 0.8%FY 2022: 1.0%FY 2023: 1.5%FY 2024: 1.0%FY 2025: 1.0%FY 2026: 1.3%
FY 2017 5y median 1.0% FY 2026

Growth (YoY)

Revenue 16.0%
FY 2017: -0.0%FY 2018: 6.5%FY 2019: 4.6%FY 2020: -7.4%FY 2021: -5.1%FY 2022: -0.6%FY 2023: 21.9%FY 2024: 9.3%FY 2025: 8.0%FY 2026: 16.0%
FY 2017 FY 2026
Operating Income 30.9%
FY 2017: 0.6%FY 2018: 19.1%FY 2019: 12.3%FY 2020: -16.4%FY 2021: 5.1%FY 2022: 16.7%FY 2023: 42.4%FY 2024: -30.6%FY 2025: 9.1%FY 2026: 30.9%
FY 2017 FY 2026
EPS (diluted) 32.2%
FY 2017: 2.1%FY 2018: 25.0%FY 2019: 15.1%FY 2020: -12.2%FY 2021: 3.2%FY 2022: 21.2%FY 2023: 40.6%FY 2024: -26.1%FY 2025: 7.4%FY 2026: 32.2%
FY 2017 FY 2026
Free Cash Flow -100.0%
FY 2017: 57.8%FY 2018: -19.6%FY 2019: 27.5%FY 2020: 6.4%FY 2021: 8.5%FY 2022: 20.7%FY 2023: 5.0%FY 2024: -33.2%FY 2025: 23.7%FY 2026: -100.0%
FY 2017 FY 2026

Financial Health

Current Ratio 0.0×
FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 5.7×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×FY 2026: 0.0×
FY 2017 5y median 0.0× FY 2026
Quick Ratio 0.0×
FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 11.1×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×FY 2026: 0.0×
FY 2017 5y median 0.0× FY 2026
Debt / Equity 1.8×
FY 2017: 2.0×FY 2018: 1.5×FY 2019: 1.5×FY 2020: 1.4×FY 2021: 1.0×FY 2022: 0.7×FY 2023: 1.1×FY 2024: 1.2×FY 2025: 1.7×FY 2026: 1.8×
FY 2017 5y median 1.2× FY 2026
Net Debt / EBITDA 9.7×
FY 2017: 14.2×FY 2018: 9.4×FY 2019: 7.5×FY 2020: -0.6×FY 2021: -12.2×FY 2022: -6.1×FY 2023: 5.2×FY 2024: 7.8×FY 2025: 11.3×FY 2026: 9.7×
FY 2017 5y median 7.8× FY 2026
Interest Coverage 1.1×
FY 2017: 1.1×FY 2018: 1.5×FY 2019: 1.6×FY 2020: 1.4×FY 2021: 2.0×FY 2022: 3.6×FY 2023: 4.2×FY 2024: 0.9×FY 2025: 0.9×FY 2026: 1.1×
FY 2017 5y median 1.1× FY 2026

Dividends

Dividend Yield 4.2%
FY 2017: 3.8%FY 2018: 3.8%FY 2019: 4.3%FY 2020: 4.9%FY 2021: 4.3%FY 2022: 4.5%FY 2023: 10.4%FY 2024: 11.1%FY 2025: 5.4%FY 2026: 4.2%
FY 2017 5y median 5.4% FY 2026
Payout Ratio 39.5%
FY 2017: 57.4%FY 2018: 48.2%FY 2019: 45.3%FY 2020: 56.2%FY 2021: 57.2%FY 2022: 48.7%FY 2023: 71.3%FY 2024: 100.1%FY 2025: 49.3%FY 2026: 39.5%
FY 2017 5y median 49.3% FY 2026

Annual · latest fiscal year ends 2026-09-30