TLV:JCFN Income Statement

Financials in millions ILS. Fiscal year is January - December.

Millions ILS. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest and Dividend Income	214.99	173.72	152.06	109.02	48.62	0.8
Total Interest Expense	102.98	74.41	66.78	32.17	11.62	0.16
Net Interest Income	112.02	99.3	85.29	76.85	37	0.64
Revenue Before Loan Losses	112.02	99.3	85.29	76.85	37	0.64
Provision for Loan Losses	-0.94	0.22	2.87	6.56	2.17	1.42
Revenue	112.95	99.08	82.42	70.29	34.83	-0.78
Revenue Growth (YoY)	17.19%	20.22%	17.26%	101.81%	-	-
Cost of Services Provided	10.52	8.88	8.3	8.54	3.23	0.3
Total Operating Expenses	10.52	8.88	8.3	8.54	3.23	0.3
Operating Income	102.44	90.2	74.11	61.75	31.6	-1.08
Pretax Income	102.44	90.2	74.11	61.75	31.6	-1.08
Income Tax Expense	23.63	20.68	17.3	14.26	7.27	-0.25
Net Income	78.8	69.53	56.81	47.49	24.33	-0.83
Net Income to Common	78.8	69.53	56.81	47.49	24.33	-0.83
Net Income Growth	15.37%	22.38%	19.64%	95.19%	-	-
Shares Outstanding (Basic)	25	25	25	25	7	2
Shares Outstanding (Diluted)	25	25	25	25	7	2
Shares Change (YoY)	-	-	0.21%	261.93%	313.32%	-
EPS (Basic)	3.21	2.83	2.31	1.94	3.59	-0.51
EPS (Diluted)	3.21	2.83	2.31	1.94	3.59	-0.51
EPS Growth	15.37%	22.38%	19.39%	-46.07%	-	-
Free Cash Flow	-13.74	10.6	-16.35	-149.39	-18.31	12.58
Free Cash Flow Per Share	-0.56	0.43	-0.67	-6.09	-2.70	7.67
Operating Margin	90.69%	91.04%	89.93%	87.85%	90.72%	-
Profit Margin	69.77%	70.17%	68.94%	67.56%	69.85%	-
Free Cash Flow Margin	-12.16%	10.70%	-19.84%	-212.54%	-52.56%	-
Effective Tax Rate	23.07%	22.92%	23.34%	23.09%	23.00%	-

Source: S&P Capital IQ. Financial Services template. Financial Sources.