Isracard Ltd. (TLV:ISCD)

Isracard Cash Flow Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	265	252	155	343	93
Depreciation & Amortization	32	160	137	135	171
Other Amortization	127	-	-	-	-
Loss (Gain) From Sale of Investments	-	-2	3	-3	-7
Asset Writedown & Restructuring Costs	-	-	21	-	-
Provision for Credit Losses	267	347	124	62	247
Loss (Gain) on Equity Investments	-3	-	-2	-7	-5
Stock-Based Compensation	18	17	8	-	-
Change in Other Net Operating Assets	583	-692	-322	8,368	499
Other Operating Activities	-190	-48	90	-31	13
Operating Cash Flow	1,099	34	214	8,811	1,011
Operating Cash Flow Growth	3132.35%	-84.11%	-97.57%	771.51%	-
Capital Expenditures	-162	-161	-172	-180	-170
Sale of Property, Plant & Equipment	-	-	-	126	-
Cash Acquisitions	-	-	-5	-	-
Investment in Securities	-11	30	-12	-11	-2
Net Decrease (Increase) in Loans Originated / Sold - Investing	-975	-1,946	-2,287	-158	210
Investing Cash Flow	-1,148	-2,077	-2,476	-223	38
Short-Term Debt Issued	602	400	-	-	-
Long-Term Debt Issued	185	977	-	-	-
Total Debt Issued	787	1,377	-	-	-
Long-Term Debt Repaid	-519	-240	-357	-4,032	-1,047
Net Debt Issued (Repaid)	268	1,137	-357	-4,032	-1,047
Common Dividends Paid	-99	-68	-149	-28	-73
Other Financing Activities	-14	-	-	-	-
Financing Cash Flow	155	1,069	-506	-4,060	-1,120
Foreign Exchange Rate Adjustments	-6	22	-10	-22	-10
Net Cash Flow	100	-952	-2,778	4,506	-81
Free Cash Flow	937	-127	42	8,631	841
Free Cash Flow Growth	-	-	-99.51%	926.28%	-
Free Cash Flow Margin	31.26%	-4.53%	1.63%	383.94%	46.06%
Free Cash Flow Per Share	4.62	-0.63	0.21	43.16	4.21
Cash Interest Paid	190	125	30	41	53
Cash Income Tax Paid	221	19	152	103	109

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