TLV:JCFN Income Statement

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

Millions ILS. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	2020
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	2020
Interest and Dividend Income	227.52	173.72	152.06	109.02	48.62	Upgrade
Total Interest Expense	111.81	74.41	66.78	32.17	11.62	Upgrade
Net Interest Income	115.71	99.3	85.29	76.85	37	Upgrade
Revenue Before Loan Losses	115.71	99.3	85.29	76.85	37	Upgrade
Provision for Loan Losses	-2.09	0.22	2.87	6.56	2.17	Upgrade
Revenue	117.8	99.08	82.42	70.29	34.83	Upgrade
Revenue Growth (YoY)	18.89%	20.22%	17.26%	101.81%	-	Upgrade
Cost of Services Provided	10.63	8.88	8.3	8.54	3.23	Upgrade
Total Operating Expenses	10.63	8.88	8.3	8.54	3.23	Upgrade
Operating Income	107.17	90.2	74.11	61.75	31.6	Upgrade
Pretax Income	107.17	90.2	74.11	61.75	31.6	Upgrade
Income Tax Expense	24.7	20.68	17.3	14.26	7.27	Upgrade
Net Income	82.46	69.53	56.81	47.49	24.33	Upgrade
Net Income to Common	82.46	69.53	56.81	47.49	24.33	Upgrade
Net Income Growth	18.61%	22.38%	19.64%	95.19%	-	Upgrade
Shares Outstanding (Basic)	25	25	25	25	7	Upgrade
Shares Outstanding (Diluted)	25	25	25	25	7	Upgrade
Shares Change (YoY)	-	-	0.21%	261.93%	313.32%	Upgrade
EPS (Basic)	3.35	2.83	2.31	1.94	3.59	Upgrade
EPS (Diluted)	3.35	2.83	2.31	1.94	3.59	Upgrade
EPS Growth	18.46%	22.38%	19.39%	-46.07%	-	Upgrade
Free Cash Flow	-10.02	10.6	-16.35	-149.39	-18.31	Upgrade
Free Cash Flow Per Share	-0.41	0.43	-0.67	-6.09	-2.70	Upgrade
Operating Margin	90.97%	91.04%	89.93%	87.85%	90.72%	Upgrade
Profit Margin	70.00%	70.17%	68.94%	67.56%	69.85%	Upgrade
Free Cash Flow Margin	-8.50%	10.70%	-19.84%	-212.54%	-52.56%	Upgrade
Effective Tax Rate	23.05%	22.92%	23.34%	23.09%	23.00%	Upgrade

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