Direct Finance of Direct Group (2006)Ltd (TLV:DIFI)

TLV:DIFI 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
Interest and Dividend Income	1,386	1,386	1,249	1,181	740.43	457.03
Total Interest Expense	447.41	434.62	336.5	233.87	97.88	50.28
Net Interest Income	939.02	951.81	912.23	947.08	642.55	406.75
Other Revenue	62.75	107.29	92.5	164.4	84.4	-
Revenue Before Loan Losses	1,002	1,059	1,005	1,111	726.95	406.75
Provision for Loan Losses	233.93	224.32	243.09	110.86	53.9	75.09
Revenue	767.84	834.77	761.64	1,001	673.05	331.66
Revenue Growth (YoY)	-12.83%	9.60%	-23.88%	48.67%	102.93%	51.62%
Cost of Services Provided	607.62	618.74	587.94	633.53	410.88	245.41
Other Operating Expenses	-18.33	-18.33	-37.27	-22.05	-28.47	-20.54
Total Operating Expenses	589.29	600.41	550.67	611.48	382.41	224.87
Operating Income	178.55	234.36	210.97	389.14	290.64	106.79
EBT Excluding Unusual Items	178.63	234.55	211.06	389.14	290.62	106.79
Other Unusual Items	-	-	-	-	-	2.59
Pretax Income	178.63	234.55	211.06	389.14	290.62	109.38
Income Tax Expense	64.75	85.65	78.34	144.69	109.3	38.44
Earnings From Continuing Ops.	113.88	148.9	132.72	244.46	181.32	70.93
Minority Interest in Earnings	-8.83	-7.8	-0.25	-	-	-
Net Income	105.05	141.1	132.47	244.46	181.32	70.93
Net Income to Common	105.05	141.1	132.47	244.46	181.32	70.93
Net Income Growth	-13.14%	6.52%	-45.81%	34.82%	155.62%	-38.81%
Shares Outstanding (Basic)	3	3	3	3	3	2
Shares Outstanding (Diluted)	3	3	3	3	3	2
Shares Change (YoY)	0.29%	-	0.14%	12.37%	13.03%	5.78%
EPS (Basic)	35.53	47.72	44.80	83.43	71.27	31.75
EPS (Diluted)	35.43	47.72	44.80	82.79	69.00	30.50
EPS Growth	-13.38%	6.52%	-45.89%	19.99%	126.23%	-42.17%
Free Cash Flow	-421.56	-587.15	-882.83	-1,064	-1,511	-294.29
Free Cash Flow Per Share	-142.15	-198.56	-298.55	-360.26	-575.03	-126.58
Dividend Per Share	29.326	29.326	21.631	41.340	33.911	9.870
Dividend Growth	286.37%	35.57%	-47.67%	21.91%	243.58%	-
Operating Margin	23.25%	28.07%	27.70%	38.89%	43.18%	32.20%
Profit Margin	13.68%	16.90%	17.39%	24.43%	26.94%	21.39%
Free Cash Flow Margin	-54.90%	-70.34%	-115.91%	-106.32%	-224.53%	-88.73%
Effective Tax Rate	36.25%	36.52%	37.12%	37.18%	37.61%	35.15%

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.