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	715	456.06	255.41	126.72	82.52	44.04
Total Interest & Dividend Income	24.61	21.58	9.23	-1.16	0.39	0.21
Other Revenue	23.8	32.28	35.72	43.85	39.1	22.91
Total Revenue	763.41	509.92	300.35	169.41	122.02	67.15
Revenue Growth (YoY)	7.05%	69.77%	77.29%	38.84%	81.70%	149.69%
Policy Benefits	574.84	345.87	219.16	112.99	66.82	30.06
Policy Acquisition & Underwriting Costs	-29.27	-10.15	-11.99	-3.75	-5.42	-7.86
Selling, General & Administrative	89.9	92.68	78.39	64.27	55.45	39.65
Total Operating Expenses	640.65	428.4	285.56	173.51	116.85	61.84
Operating Income	122.77	81.53	14.79	-4.09	5.17	5.31
Interest Expense	-4.49	-3.52	-1.84	-0.43	-0.15	-0.14
Pretax Income	118.27	78.01	12.95	-4.53	5.03	5.18
Income Tax Expense	41.02	26.86	3.8	-0.71	1.76	1.88
Net Income	77.25	51.15	9.16	-3.81	3.27	3.3
Net Income to Common	77.25	51.15	9.16	-3.81	3.27	3.3
Net Income Growth	71.83%	458.52%	-	-	-1.09%	-
Shares Outstanding (Basic)	46	45	45	45	44	42
Shares Outstanding (Diluted)	46	45	45	45	44	42
Shares Change (YoY)	-7.45%	-	0.09%	2.61%	4.53%	5.42%
EPS (Basic)	1.70	1.13	0.20	-0.08	0.07	0.08
EPS (Diluted)	1.70	1.13	0.20	-0.08	0.07	0.08
EPS Growth	85.66%	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
Operating Margin	16.08%	15.99%	4.92%	-2.42%	4.24%	7.91%
Profit Margin	10.12%	10.03%	3.05%	-2.25%	2.68%	4.92%
Free Cash Flow Margin	-14.34%	-9.74%	18.77%	-7.99%	31.19%	11.15%
EBITDA	123.76	81.75	15.07	-2.72	6.26	6.32
EBITDA Margin	16.21%	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	122.77	81.53	14.79	-4.09	5.17	5.31
EBIT Margin	16.08%	15.99%	4.92%	-2.42%	4.24%	7.91%
Effective Tax Rate	34.68%	34.43%	29.30%	-	35.04%	36.24%
Revenue as Reported	371.91	509.92	300.35	169.41	122.02	67.15

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