Clal Insurance Enterprises Holdings Ltd. (TLV:CLIS)

TLV:CLIS Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Premiums & Annuity Revenue	9,168	8,911	9,495	9,844	9,012	8,028
Total Interest & Dividend Income	8,093	4,095	3,660	2,757	2,088	1,140
Gain (Loss) on Sale of Investments	14,478	10,585	5,571	-6,948	11,766	3,983
Non-Insurance Activities Revenue	1,651	1,554	1,083	-	-	-
Other Revenue	-7,170	456	390	383	339	311.91
Total Revenue	27,536	26,902	21,458	7,234	24,980	14,709
Revenue Growth (YoY)	54.22%	25.37%	196.63%	-71.04%	69.83%	-25.74%
Policy Benefits	19,778	19,447	15,391	3,741	20,273	11,016
Policy Acquisition & Underwriting Costs	2,183	2,183	2,084	1,970	1,799	1,744
Selling, General & Administrative	1,872	1,872	1,604	1,152	1,160	1,121
Provision for Bad Debts	208	216	411	-	-	-
Non-Insurance Activities Expense	1,470	1,219	905	-	-	-
Other Operating Expenses	85	45	40	18	9	9.06
Total Operating Expenses	25,539	24,995	20,452	6,896	23,265	13,890
Operating Income	1,997	1,907	1,006	338	1,715	819.08
Interest Expense	-841	-816	-651	-213	-219	-160.67
Earnings From Equity Investments	20	14	8	3	29	-4.19
Currency Exchange Gain (Loss)	-45	-45	12	27	-9	-48.13
Other Non Operating Income (Expenses)	-45	-9	-2	1	-	-0.39
EBT Excluding Unusual Items	1,086	1,051	373	156	1,516	605.7
Asset Writedown	-10	-10	-26	39	82	-19.76
Other Unusual Items	-	-	-	-	-17	-
Pretax Income	1,076	1,041	347	195	1,581	585.94
Income Tax Expense	324	317	124	68	494	143.27
Earnings From Continuing Ops.	752	724	223	127	1,087	442.66
Minority Interest in Earnings	-9	-6	-3	-6	-5	-3.99
Net Income	743	718	220	121	1,082	438.68
Net Income to Common	743	718	220	121	1,082	438.68
Net Income Growth	-39.25%	226.36%	81.82%	-88.82%	146.65%	-
Shares Outstanding (Basic)	79	79	78	74	68	68
Shares Outstanding (Diluted)	81	79	79	74	68	68
Shares Change (YoY)	0.96%	0.56%	6.33%	9.72%	0.14%	20.70%
EPS (Basic)	9.37	9.08	2.83	1.64	16.00	6.48
EPS (Diluted)	9.17	9.03	2.79	1.62	15.97	6.48
EPS Growth	-39.80%	223.66%	72.22%	-89.86%	146.45%	-
Free Cash Flow	1,709	1,536	-4,344	-2,609	7,061	-1,276
Free Cash Flow Per Share	21.09	19.33	-54.96	-35.10	104.23	-18.86
Operating Margin	7.25%	7.09%	4.69%	4.67%	6.87%	5.57%
Profit Margin	2.70%	2.67%	1.03%	1.67%	4.33%	2.98%
Free Cash Flow Margin	6.21%	5.71%	-20.24%	-36.07%	28.27%	-8.68%
EBITDA	2,070	1,972	1,065	660	2,040	1,139
EBITDA Margin	7.52%	7.33%	4.96%	9.12%	8.17%	7.74%
D&A For EBITDA	73	65	59	322	325	319.86
EBIT	1,997	1,907	1,006	338	1,715	819.08
EBIT Margin	7.25%	7.09%	4.69%	4.67%	6.87%	5.57%
Effective Tax Rate	30.11%	30.45%	35.73%	34.87%	31.25%	24.45%
Revenue as Reported	26,856	26,856	21,464	7,329	25,057	14,637

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.