TLV:JCFN Income 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
Interest and Dividend Income	227.52	173.72	152.06	109.02	48.62
Total Interest Expense	111.81	74.41	66.78	32.17	11.62
Net Interest Income	115.71	99.3	85.29	76.85	37
Revenue Before Loan Losses	115.71	99.3	85.29	76.85	37
Provision for Loan Losses	-2.09	0.22	2.87	6.56	2.17
Revenue	117.8	99.08	82.42	70.29	34.83
Revenue Growth (YoY)	18.89%	20.22%	17.26%	101.81%	-
Cost of Services Provided	10.63	8.88	8.3	8.54	3.23
Total Operating Expenses	10.63	8.88	8.3	8.54	3.23
Operating Income	107.17	90.2	74.11	61.75	31.6
Pretax Income	107.17	90.2	74.11	61.75	31.6
Income Tax Expense	24.7	20.68	17.3	14.26	7.27
Net Income	82.46	69.53	56.81	47.49	24.33
Net Income to Common	82.46	69.53	56.81	47.49	24.33
Net Income Growth	18.61%	22.38%	19.64%	95.19%	-
Shares Outstanding (Basic)	25	25	25	25	7
Shares Outstanding (Diluted)	25	25	25	25	7
Shares Change (YoY)	-	-	0.21%	261.93%	313.32%
EPS (Basic)	3.35	2.83	2.31	1.94	3.59
EPS (Diluted)	3.35	2.83	2.31	1.94	3.59
EPS Growth	18.46%	22.38%	19.39%	-46.07%	-
Free Cash Flow	-10.02	10.6	-16.35	-149.39	-18.31
Free Cash Flow Per Share	-0.41	0.43	-0.67	-6.09	-2.70
Operating Margin	90.97%	91.04%	89.93%	87.85%	90.72%
Profit Margin	70.00%	70.17%	68.94%	67.56%	69.85%
Free Cash Flow Margin	-8.50%	10.70%	-19.84%	-212.54%	-52.56%
Effective Tax Rate	23.05%	22.92%	23.34%	23.09%	23.00%

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