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	Jun '26 Jun 30, 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	245.22	227.52	173.72	152.06	109.02	48.62
Total Interest Expense	122	111.81	74.41	66.78	32.17	11.62
Net Interest Income	123.22	115.71	99.3	85.29	76.85	37
Revenue Before Loan Losses	123.22	115.71	99.3	85.29	76.85	37
Provision for Loan Losses	-2.05	-2.09	0.22	2.87	6.56	2.17
Revenue	125.26	117.8	99.08	82.42	70.29	34.83
Revenue Growth	14.35%	18.89%	20.22%	17.26%	101.81%	-
Cost of Services Provided	10.64	10.63	8.88	8.3	8.54	3.23
Total Operating Expenses	10.64	10.63	8.88	8.3	8.54	3.23
Operating Income	114.62	107.17	90.2	74.11	61.75	31.6
Pretax Income	114.62	107.17	90.2	74.11	61.75	31.6
Income Tax Expense	27.25	24.7	20.68	17.3	14.26	7.27
Net Income	87.37	82.46	69.53	56.81	47.49	24.33
Net Income to Common	87.37	82.46	69.53	56.81	47.49	24.33
Net Income Growth	14.05%	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	-	-	-	0.21%	261.93%	313.32%
EPS (Basic)	3.55	3.35	2.83	2.31	1.94	3.59
EPS (Diluted)	3.55	3.35	2.83	2.31	1.94	3.59
EPS Growth	13.91%	18.46%	22.38%	19.39%	-46.07%	-
Free Cash Flow	60.26	-10.02	10.6	-16.35	-149.39	-18.31
Free Cash Flow Per Share	2.45	-0.41	0.43	-0.67	-6.09	-2.70
Dividend Per Share	0.447	0.447	-	-	-	-
Dividend Growth	-	-	-	-	-	-
Operating Margin	91.51%	90.97%	91.04%	89.93%	87.85%	90.72%
Profit Margin	69.75%	70.00%	70.17%	68.94%	67.56%	69.85%
Free Cash Flow Margin	48.11%	-8.50%	10.70%	-19.84%	-212.54%	-52.56%
Effective Tax Rate	23.77%	23.05%	22.92%	23.34%	23.09%	23.00%