TLV:JCFN Income Statement

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

Millions ILS. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	227.52	173.72	152.06	109.02	48.62
Total Interest Expense	111.81	111.81	74.41	66.78	32.17	11.62
Net Interest Income	115.71	115.71	99.3	85.29	76.85	37
Revenue Before Loan Losses	126.51	115.71	99.3	85.29	76.85	37
Provision for Loan Losses	-1.11	-2.09	0.22	2.87	6.56	2.17
Revenue	127.62	117.8	99.08	82.42	70.29	34.83
Revenue Growth (YoY)	-0.04%	18.89%	20.22%	17.26%	101.81%	-
Cost of Services Provided	10.97	10.63	8.88	8.3	8.54	3.23
Total Operating Expenses	17.08	10.63	8.88	8.3	8.54	3.23
Operating Income	110.55	107.17	90.2	74.11	61.75	31.6
Pretax Income	110.55	107.17	90.2	74.11	61.75	31.6
Income Tax Expense	26.08	24.7	20.68	17.3	14.26	7.27
Net Income	84.46	82.46	69.53	56.81	47.49	24.33
Net Income to Common	84.46	82.46	69.53	56.81	47.49	24.33
Net Income Growth	15.90%	18.61%	22.38%	19.64%	95.19%	-
Shares Outstanding (Basic)	25	25	25	25	25	7
Shares Outstanding (Diluted)	25	25	25	25	25	7
Shares Change (YoY)	-	-	-	0.21%	261.93%	313.32%
EPS (Basic)	3.44	3.35	2.83	2.31	1.94	3.59
EPS (Diluted)	3.43	3.35	2.83	2.31	1.94	3.59
EPS Growth	15.76%	18.46%	22.38%	19.39%	-46.07%	-
Free Cash Flow	0.29	-10.02	10.6	-16.35	-149.39	-18.31
Free Cash Flow Per Share	0.01	-0.41	0.43	-0.67	-6.09	-2.70
Operating Margin	86.62%	90.97%	91.04%	89.93%	87.85%	90.72%
Profit Margin	66.18%	70.00%	70.17%	68.94%	67.56%	69.85%
Free Cash Flow Margin	0.23%	-8.50%	10.70%	-19.84%	-212.54%	-52.56%
Effective Tax Rate	23.59%	23.05%	22.92%	23.34%	23.09%	23.00%