Opal Balance Investments 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 - 2016
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 - 2016
Interest and Dividend Income	101.94	83	92.35	90.06	67.18	Upgrade
Total Interest Expense	17.51	12.04	15.79	11	4.54	Upgrade
Net Interest Income	84.44	70.96	76.56	79.07	62.64	Upgrade
Revenue Before Loan Losses	84.44	70.96	76.56	79.07	62.64	Upgrade
Provision for Loan Losses	0.43	1.69	12.08	12.28	2.2	Upgrade
Revenue	84.01	69.27	64.48	66.79	60.44	Upgrade
Revenue Growth (YoY)	21.27%	7.43%	-3.46%	10.51%	25.23%	Upgrade
Cost of Services Provided	28.39	26.86	27.14	28.2	24.85	Upgrade
Other Operating Expenses	0.63	0.62	1.34	1.16	0.86	Upgrade
Total Operating Expenses	29.02	27.48	28.48	29.35	25.71	Upgrade
Operating Income	54.99	41.79	36	37.43	34.73	Upgrade
Currency Exchange Gain (Loss)	0.06	-	-	-	-	Upgrade
EBT Excluding Unusual Items	53.51	39.92	33.87	36.93	35.01	Upgrade
Pretax Income	52.66	40.23	34.33	37.63	35.02	Upgrade
Income Tax Expense	12.26	9.37	7.95	8.64	8.06	Upgrade
Net Income	40.4	30.86	26.38	28.99	26.96	Upgrade
Net Income to Common	40.4	30.86	26.38	28.99	26.96	Upgrade
Net Income Growth	30.89%	17.01%	-9.01%	7.55%	31.02%	Upgrade
Shares Outstanding (Basic)	105	105	105	105	105	Upgrade
Shares Outstanding (Diluted)	105	105	105	105	105	Upgrade
Shares Change (YoY)	-	-	0.00%	-	2.55%	Upgrade
EPS (Basic)	0.39	0.30	0.25	0.28	0.26	Upgrade
EPS (Diluted)	0.39	0.30	0.25	0.28	0.26	Upgrade
EPS Growth	30.83%	17.01%	-9.01%	7.55%	27.76%	Upgrade
Free Cash Flow	-42.18	12.2	13.11	1.91	13.19	Upgrade
Free Cash Flow Per Share	-0.40	0.12	0.13	0.02	0.13	Upgrade
Dividend Per Share	0.190	0.195	0.126	0.135	0.128	Upgrade
Dividend Growth	-2.45%	54.68%	-6.80%	5.54%	40.93%	Upgrade
Operating Margin	65.45%	60.32%	55.83%	56.05%	57.46%	Upgrade
Profit Margin	48.09%	44.55%	40.91%	43.41%	44.60%	Upgrade
Free Cash Flow Margin	-50.21%	17.61%	20.34%	2.86%	21.83%	Upgrade
Effective Tax Rate	23.28%	23.28%	23.17%	22.97%	23.03%	Upgrade

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