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	2015 - 2019
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	2015 - 2019
Net Income	-51	265	252	155	343	93	Upgrade
Depreciation & Amortization	41	32	160	137	135	171	Upgrade
Other Amortization	127	127	-	-	-	-	Upgrade
Loss (Gain) From Sale of Investments	-	-	-2	3	-3	-7	Upgrade
Asset Writedown & Restructuring Costs	-	-	-	21	-	-	Upgrade
Provision for Credit Losses	203	267	347	124	62	247	Upgrade
Loss (Gain) on Equity Investments	-4	-3	-	-2	-7	-5	Upgrade
Stock-Based Compensation	17	18	17	8	-	-	Upgrade
Change in Other Net Operating Assets	55	583	-692	-322	8,368	499	Upgrade
Other Operating Activities	-40	-190	-48	90	-31	13	Upgrade
Operating Cash Flow	348	1,099	34	214	8,811	1,011	Upgrade
Operating Cash Flow Growth	-60.05%	3132.35%	-84.11%	-97.57%	771.51%	-	Upgrade
Capital Expenditures	-200	-162	-161	-172	-180	-170	Upgrade
Sale of Property, Plant & Equipment	-	-	-	-	126	-	Upgrade
Cash Acquisitions	-	-	-	-5	-	-	Upgrade
Investment in Securities	-58	-11	30	-12	-11	-2	Upgrade
Net Decrease (Increase) in Loans Originated / Sold - Investing	-1,815	-975	-1,946	-2,287	-158	210	Upgrade
Investing Cash Flow	-2,073	-1,148	-2,077	-2,476	-223	38	Upgrade
Short-Term Debt Issued	-	602	400	-	-	-	Upgrade
Long-Term Debt Issued	-	185	977	-	-	-	Upgrade
Total Debt Issued	1,399	787	1,377	-	-	-	Upgrade
Long-Term Debt Repaid	-	-519	-240	-357	-4,032	-1,047	Upgrade
Net Debt Issued (Repaid)	1,145	268	1,137	-357	-4,032	-1,047	Upgrade
Common Dividends Paid	-1,299	-99	-68	-149	-28	-73	Upgrade
Other Financing Activities	-14	-14	-	-	-	-	Upgrade
Financing Cash Flow	1,189	155	1,069	-506	-4,060	-1,120	Upgrade
Foreign Exchange Rate Adjustments	-15	-6	22	-10	-22	-10	Upgrade
Net Cash Flow	-551	100	-952	-2,778	4,506	-81	Upgrade
Free Cash Flow	148	937	-127	42	8,631	841	Upgrade
Free Cash Flow Growth	-79.16%	-	-	-99.51%	926.28%	-	Upgrade
Free Cash Flow Margin	4.52%	31.26%	-4.53%	1.63%	383.94%	46.06%	Upgrade
Free Cash Flow Per Share	0.65	4.62	-0.63	0.21	43.16	4.21	Upgrade
Cash Interest Paid	208	190	125	30	41	53	Upgrade
Cash Income Tax Paid	357	221	19	152	103	109	Upgrade

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