Isracard Cash Flow 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
Net Income	-40	264	252	155	343
Depreciation & Amortization	33	159	160	137	135
Other Amortization	134	-	-	-	-
Loss (Gain) From Sale of Investments	-	-	-2	3	-3
Asset Writedown & Restructuring Costs	-	-	-	21	-
Provision for Credit Losses	227	267	347	124	62
Loss (Gain) on Equity Investments	-5	-3	-	-2	-7
Stock-Based Compensation	15	18	17	8	-
Change in Other Net Operating Assets	-198	583	-692	-322	8,368
Other Operating Activities	-15	-189	-48	90	-31
Operating Cash Flow	151	1,099	34	214	8,811
Operating Cash Flow Growth	-86.26%	3132.35%	-84.11%	-97.57%	771.51%
Capital Expenditures	-192	-162	-161	-172	-180
Sale of Property, Plant & Equipment	-	-	-	-	126
Cash Acquisitions	-	-	-	-5	-
Investment in Securities	-56	-11	30	-12	-11
Net Decrease (Increase) in Loans Originated / Sold - Investing	-2,249	-975	-1,946	-2,287	-158
Investing Cash Flow	-2,497	-1,148	-2,077	-2,476	-223
Long-Term Debt Issued	2,109	787	1,377	-	-
Long-Term Debt Repaid	-322	-519	-240	-357	-4,032
Net Debt Issued (Repaid)	1,787	268	1,137	-357	-4,032
Issuance of Common Stock	1,357	-	-	-	-
Common Dividends Paid	-1,299	-99	-68	-149	-28
Other Financing Activities	-	-14	-	-	-
Financing Cash Flow	1,845	155	1,069	-506	-4,060
Foreign Exchange Rate Adjustments	-16	-6	22	-10	-22
Net Cash Flow	-517	100	-952	-2,778	4,506
Free Cash Flow	-41	937	-127	42	8,631
Free Cash Flow Growth	-	-	-	-99.51%	926.28%
Free Cash Flow Margin	-1.24%	31.26%	-4.53%	1.63%	383.94%
Free Cash Flow Per Share	-0.16	4.62	-0.63	0.21	43.16
Cash Interest Paid	223	190	125	30	41
Cash Income Tax Paid	154	221	19	152	103

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