Isracard Cash Flow 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
Net Income	-51	265	252	155	343	93
Depreciation & Amortization	41	32	160	137	135	171
Other Amortization	127	127	-	-	-	-
Loss (Gain) From Sale of Investments	-	-	-2	3	-3	-7
Asset Writedown & Restructuring Costs	-	-	-	21	-	-
Provision for Credit Losses	203	267	347	124	62	247
Loss (Gain) on Equity Investments	-4	-3	-	-2	-7	-5
Stock-Based Compensation	17	18	17	8	-	-
Change in Other Net Operating Assets	55	583	-692	-322	8,368	499
Other Operating Activities	-40	-190	-48	90	-31	13
Operating Cash Flow	348	1,099	34	214	8,811	1,011
Operating Cash Flow Growth	-60.05%	3132.35%	-84.11%	-97.57%	771.51%	-
Capital Expenditures	-200	-162	-161	-172	-180	-170
Sale of Property, Plant & Equipment	-	-	-	-	126	-
Cash Acquisitions	-	-	-	-5	-	-
Investment in Securities	-58	-11	30	-12	-11	-2
Net Decrease (Increase) in Loans Originated / Sold - Investing	-1,815	-975	-1,946	-2,287	-158	210
Investing Cash Flow	-2,073	-1,148	-2,077	-2,476	-223	38
Short-Term Debt Issued	-	602	400	-	-	-
Long-Term Debt Issued	-	185	977	-	-	-
Total Debt Issued	1,399	787	1,377	-	-	-
Long-Term Debt Repaid	-	-519	-240	-357	-4,032	-1,047
Net Debt Issued (Repaid)	1,145	268	1,137	-357	-4,032	-1,047
Common Dividends Paid	-1,299	-99	-68	-149	-28	-73
Other Financing Activities	-14	-14	-	-	-	-
Financing Cash Flow	1,189	155	1,069	-506	-4,060	-1,120
Foreign Exchange Rate Adjustments	-15	-6	22	-10	-22	-10
Net Cash Flow	-551	100	-952	-2,778	4,506	-81
Free Cash Flow	148	937	-127	42	8,631	841
Free Cash Flow Growth	-79.16%	-	-	-99.51%	926.28%	-
Free Cash Flow Margin	4.52%	31.26%	-4.53%	1.63%	383.94%	46.06%
Free Cash Flow Per Share	0.65	4.62	-0.63	0.21	43.16	4.21
Cash Interest Paid	208	190	125	30	41	53
Cash Income Tax Paid	357	221	19	152	103	109

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