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	Mar '25 Mar 31, 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	185.82	173.72	152.06	109.02	48.62	0.8
Total Interest Expense	82.98	74.41	66.78	32.17	11.62	0.16
Net Interest Income	102.84	99.3	85.29	76.85	37	0.64
Revenue Before Loan Losses	102.84	99.3	85.29	76.85	37	0.64
Provision for Loan Losses	-0.52	0.22	2.87	6.56	2.17	1.42
Revenue	103.36	99.08	82.42	70.29	34.83	-0.78
Revenue Growth (YoY)	16.62%	20.22%	17.26%	101.81%	-	-
Cost of Services Provided	8.58	8.88	8.3	8.54	3.23	0.3
Total Operating Expenses	8.58	8.88	8.3	8.54	3.23	0.3
Operating Income	94.77	90.2	74.11	61.75	31.6	-1.08
Pretax Income	94.77	90.2	74.11	61.75	31.6	-1.08
Income Tax Expense	21.9	20.68	17.3	14.26	7.27	-0.25
Net Income	72.88	69.53	56.81	47.49	24.33	-0.83
Net Income to Common	72.88	69.53	56.81	47.49	24.33	-0.83
Net Income Growth	17.88%	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)	-0.27%	-	0.21%	261.93%	313.32%	-
EPS (Basic)	2.96	2.83	2.31	1.94	3.59	-0.51
EPS (Diluted)	2.96	2.83	2.31	1.94	3.59	-0.51
EPS Growth	18.21%	22.38%	19.39%	-46.07%	-	-
Free Cash Flow	-20.98	10.6	-16.35	-149.39	-18.31	12.58
Free Cash Flow Per Share	-0.85	0.43	-0.67	-6.09	-2.70	7.67
Operating Margin	91.70%	91.04%	89.93%	87.85%	90.72%	-
Profit Margin	70.51%	70.17%	68.94%	67.56%	69.85%	-
Free Cash Flow Margin	-20.30%	10.70%	-19.84%	-212.54%	-52.56%	-
Effective Tax Rate	23.11%	22.92%	23.34%	23.09%	23.00%	-

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