TLV:JCFN Income Statement

Financials in millions ILS. Fiscal year is January - December.

Millions ILS. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	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	173.72	152.06	109.02	48.62	0.8
Total Interest Expense	74.41	66.78	32.17	11.62	0.16
Net Interest Income	99.3	85.29	76.85	37	0.64
Revenue Before Loan Losses	99.3	85.29	76.85	37	0.64
Provision for Loan Losses	0.22	2.87	6.56	2.17	1.42
Revenue	99.08	82.42	70.29	34.83	-0.78
Revenue Growth (YoY)	20.22%	17.26%	101.81%	-	-
Cost of Services Provided	8.88	8.3	8.54	3.23	0.3
Total Operating Expenses	8.88	8.3	8.54	3.23	0.3
Operating Income	90.2	74.11	61.75	31.6	-1.08
Pretax Income	90.2	74.11	61.75	31.6	-1.08
Income Tax Expense	20.68	17.3	14.26	7.27	-0.25
Net Income	69.53	56.81	47.49	24.33	-0.83
Net Income to Common	69.53	56.81	47.49	24.33	-0.83
Net Income Growth	22.38%	19.64%	95.19%	-	-
Shares Outstanding (Basic)	25	25	25	7	2
Shares Outstanding (Diluted)	25	25	25	7	2
Shares Change (YoY)	-	0.21%	261.93%	313.32%	-
EPS (Basic)	2.83	2.31	1.94	3.59	-0.51
EPS (Diluted)	2.83	2.31	1.94	3.59	-0.51
EPS Growth	22.38%	19.39%	-46.07%	-	-
Free Cash Flow	10.6	-16.35	-149.39	-18.31	12.58
Free Cash Flow Per Share	0.43	-0.67	-6.09	-2.70	7.67
Operating Margin	91.04%	89.93%	87.85%	90.72%	-
Profit Margin	70.17%	68.94%	67.56%	69.85%	-
Free Cash Flow Margin	10.70%	-19.84%	-212.54%	-52.56%	-
Effective Tax Rate	22.92%	23.34%	23.09%	23.00%	-

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