Libra Insurance Company Ltd (TLV:LBRA)

Libra Insurance Company Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Premiums & Annuity Revenue	579.77	456.06	255.41	126.72	82.52	44.04
Total Interest & Dividend Income	29.18	21.58	9.23	-1.16	0.39	0.21
Other Revenue	32.28	32.28	35.72	43.85	39.1	22.91
Total Revenue	641.23	509.92	300.35	169.41	122.02	67.15
Revenue Growth (YoY)	-23.24%	69.77%	77.29%	38.84%	81.70%	149.69%
Policy Benefits	435.79	345.87	219.16	112.99	66.82	30.06
Policy Acquisition & Underwriting Costs	-10.15	-10.15	-11.99	-3.75	-5.42	-7.86
Selling, General & Administrative	92.68	92.68	78.39	64.27	55.45	39.65
Total Operating Expenses	520.85	428.4	285.56	173.51	116.85	61.84
Operating Income	120.38	81.53	14.79	-4.09	5.17	5.31
Interest Expense	-4.52	-3.52	-1.84	-0.43	-0.15	-0.14
Pretax Income	115.86	78.01	12.95	-4.53	5.03	5.18
Income Tax Expense	40.45	26.86	3.8	-0.71	1.76	1.88
Net Income	75.41	51.15	9.16	-3.81	3.27	3.3
Net Income to Common	75.41	51.15	9.16	-3.81	3.27	3.3
Net Income Growth	61.12%	458.52%	-	-	-1.09%	-
Shares Outstanding (Basic)	45	45	45	45	44	42
Shares Outstanding (Diluted)	45	45	45	45	44	42
Shares Change (YoY)	-7.65%	-	0.09%	2.61%	4.53%	5.42%
EPS (Basic)	1.66	1.13	0.20	-0.08	0.07	0.08
EPS (Diluted)	1.66	1.13	0.20	-0.08	0.07	0.08
EPS Growth	74.47%	458.52%	-	-	-5.37%	-
Free Cash Flow	-109.51	-49.65	56.36	-13.54	38.06	7.49
Free Cash Flow Per Share	-2.41	-1.10	1.25	-0.30	0.86	0.18
Dividend Per Share	0.220	0.441	-	-	-	-
Operating Margin	18.77%	15.99%	4.92%	-2.42%	4.24%	7.91%
Profit Margin	11.76%	10.03%	3.05%	-2.25%	2.68%	4.92%
Free Cash Flow Margin	-17.08%	-9.74%	18.77%	-7.99%	31.19%	11.15%
EBITDA	121.38	81.75	15.07	-2.72	6.26	6.32
EBITDA Margin	18.93%	16.03%	5.02%	-1.61%	5.13%	9.41%
D&A For EBITDA	1	0.23	0.28	1.37	1.09	1.01
EBIT	120.38	81.53	14.79	-4.09	5.17	5.31
EBIT Margin	18.77%	15.99%	4.92%	-2.42%	4.24%	7.91%
Effective Tax Rate	34.91%	34.43%	29.30%	-	35.04%	36.24%
Revenue as Reported	509.92	509.92	300.35	169.41	122.02	67.15

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