TLV:JCFN Income 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	Jun '25 Jun 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
Interest and Dividend Income	204.34	173.72	152.06	109.02	48.62	0.8
Total Interest Expense	93.5	74.41	66.78	32.17	11.62	0.16
Net Interest Income	110.84	99.3	85.29	76.85	37	0.64
Revenue Before Loan Losses	110.84	99.3	85.29	76.85	37	0.64
Provision for Loan Losses	1.3	0.22	2.87	6.56	2.17	1.42
Revenue	109.54	99.08	82.42	70.29	34.83	-0.78
Revenue Growth (YoY)	20.96%	20.22%	17.26%	101.81%	-	-
Cost of Services Provided	9.86	8.88	8.3	8.54	3.23	0.3
Total Operating Expenses	9.86	8.88	8.3	8.54	3.23	0.3
Operating Income	99.68	90.2	74.11	61.75	31.6	-1.08
Pretax Income	99.68	90.2	74.11	61.75	31.6	-1.08
Income Tax Expense	23.07	20.68	17.3	14.26	7.27	-0.25
Net Income	76.61	69.53	56.81	47.49	24.33	-0.83
Net Income to Common	76.61	69.53	56.81	47.49	24.33	-0.83
Net Income Growth	19.95%	22.38%	19.64%	95.19%	-	-
Shares Outstanding (Basic)	25	25	25	25	7	2
Shares Outstanding (Diluted)	25	25	25	25	7	2
Shares Change (YoY)	-0.10%	-	0.21%	261.93%	313.32%	-
EPS (Basic)	3.12	2.83	2.31	1.94	3.59	-0.51
EPS (Diluted)	3.12	2.83	2.31	1.94	3.59	-0.51
EPS Growth	20.07%	22.38%	19.39%	-46.07%	-	-
Free Cash Flow	-1.2	10.6	-16.35	-149.39	-18.31	12.58
Free Cash Flow Per Share	-0.05	0.43	-0.67	-6.09	-2.70	7.67
Operating Margin	91.00%	91.04%	89.93%	87.85%	90.72%	-
Profit Margin	69.94%	70.17%	68.94%	67.56%	69.85%	-
Free Cash Flow Margin	-1.10%	10.70%	-19.84%	-212.54%	-52.56%	-
Effective Tax Rate	23.14%	22.92%	23.34%	23.09%	23.00%	-

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