Isracard 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
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
Interest and Dividend Income	1,243	1,138	1,103	613	433
Total Interest Expense	247	191	170	31	-
Net Interest Income	996	947	933	582	433
Gain (Loss) on Sale of Investments	-	-	-1	-6	-
Other Revenue	44	37	46	26	39
Revenue Before Loan Losses	3,537	3,264	3,149	2,701	2,310
Provision for Loan Losses	227	267	347	124	62
Revenue	3,310	2,997	2,802	2,577	2,248
Revenue Growth (YoY)	10.44%	6.96%	8.73%	14.64%	23.11%
Salaries & Employee Benefits	9	11	11	5	-
Cost of Services Provided	2,869	2,623	2,455	2,264	1,758
Other Operating Expenses	-	-	-	-	-3
Total Operating Expenses	2,878	2,634	2,466	2,269	1,755
Operating Income	432	363	336	308	493
Earnings From Equity Investments	5	3	-	3	7
Currency Exchange Gain (Loss)	-15	-20	1	-75	-52
EBT Excluding Unusual Items	422	346	337	236	448
Other Unusual Items	-425	-	-	-	-
Pretax Income	-3	346	337	238	490
Income Tax Expense	37	81	84	83	147
Earnings From Continuing Ops.	-40	265	253	155	343
Minority Interest in Earnings	-	-1	-1	-	-
Net Income	-40	264	252	155	343
Net Income to Common	-40	264	252	155	343
Net Income Growth	-	4.76%	62.58%	-54.81%	268.82%
Shares Outstanding (Basic)	259	201	200	200	200
Shares Outstanding (Diluted)	261	203	201	200	200
Shares Change (YoY)	28.62%	1.09%	0.24%	0.08%	-
EPS (Basic)	-0.15	1.32	1.26	0.77	1.72
EPS (Diluted)	-0.39	1.30	1.26	0.77	1.72
EPS Growth	-	3.32%	62.48%	-54.85%	268.82%
Free Cash Flow	-41	937	-127	42	8,631
Free Cash Flow Per Share	-0.16	4.62	-0.63	0.21	43.16
Dividend Per Share	-	0.524	0.440	0.271	0.739
Dividend Growth	-	19.00%	62.65%	-63.37%	-
Operating Margin	13.05%	12.11%	11.99%	11.95%	21.93%
Profit Margin	-1.21%	8.81%	8.99%	6.02%	15.26%
Free Cash Flow Margin	-1.24%	31.26%	-4.53%	1.63%	383.94%
Effective Tax Rate	-	23.41%	24.93%	34.87%	30.00%
Revenue as Reported	3,522	3,244	3,150	2,628	2,303

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