Isracard Income Statement

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

Millions ILS. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest and Dividend Income	979	947	933	582	433	433
Net Interest Income	979	947	933	582	433	433
Gain (Loss) on Sale of Investments	-	-	-1	-6	-	3
Other Revenue	54	37	46	26	39	31
Revenue Before Loan Losses	3,481	3,264	3,149	2,701	2,310	2,073
Provision for Loan Losses	203	267	347	124	62	247
Revenue	3,278	2,997	2,802	2,577	2,248	1,826
Revenue Growth (YoY)	14.82%	6.96%	8.73%	14.64%	23.11%	-13.25%
Cost of Services Provided	2,864	2,634	2,466	2,269	1,758	1,667
Other Operating Expenses	-	-	-	-	-3	-3
Total Operating Expenses	2,864	2,634	2,466	2,269	1,755	1,664
Operating Income	414	363	336	308	493	162
Earnings From Equity Investments	4	3	-	3	7	5
Currency Exchange Gain (Loss)	-26	-20	1	-75	-52	-24
EBT Excluding Unusual Items	392	346	337	236	448	143
Pretax Income	-33	346	337	238	490	143
Income Tax Expense	19	81	84	83	147	50
Earnings From Continuing Ops.	-52	265	253	155	343	93
Minority Interest in Earnings	-	-1	-1	-	-	-
Net Income	-52	264	252	155	343	93
Net Income to Common	-52	264	252	155	343	93
Net Income Growth	-	4.76%	62.58%	-54.81%	268.82%	-61.88%
Shares Outstanding (Basic)	227	201	200	200	200	200
Shares Outstanding (Diluted)	227	203	201	200	200	200
Shares Change (YoY)	12.52%	1.09%	0.24%	0.08%	-	-
EPS (Basic)	-0.23	1.32	1.26	0.77	1.72	0.47
EPS (Diluted)	-0.37	1.30	1.26	0.77	1.72	0.47
EPS Growth	-	3.32%	62.48%	-54.85%	268.82%	-61.88%
Free Cash Flow	148	937	-127	42	8,631	841
Free Cash Flow Per Share	0.65	4.62	-0.63	0.21	43.16	4.21
Dividend Per Share	0.260	0.524	0.440	0.271	0.739	-
Dividend Growth	-47.12%	19.00%	62.65%	-63.37%	-	-
Operating Margin	12.63%	12.11%	11.99%	11.95%	21.93%	8.87%
Profit Margin	-1.59%	8.81%	8.99%	6.02%	15.26%	5.09%
Free Cash Flow Margin	4.52%	31.26%	-4.53%	1.63%	383.94%	46.06%
Effective Tax Rate	-	23.41%	24.93%	34.87%	30.00%	34.97%
Revenue as Reported	3,455	3,244	3,150	2,628	2,303	2,052

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