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	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Premiums & Annuity Revenue	500.57	456.06	255.41	126.72	82.52	44.04
Total Interest & Dividend Income	25.64	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	558.49	509.92	300.35	169.41	122.02	67.15
Revenue Growth (YoY)	17.72%	69.77%	77.29%	38.84%	81.70%	149.69%
Policy Benefits	386.75	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	470.2	428.4	285.56	173.51	116.85	61.84
Operating Income	88.29	81.53	14.79	-4.09	5.17	5.31
Interest Expense	-4.16	-3.52	-1.84	-0.43	-0.15	-0.14
Pretax Income	84.14	78.01	12.95	-4.53	5.03	5.18
Income Tax Expense	28.99	26.86	3.8	-0.71	1.76	1.88
Net Income	55.15	51.15	9.16	-3.81	3.27	3.3
Net Income to Common	55.15	51.15	9.16	-3.81	3.27	3.3
Net Income Growth	134.50%	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)	2.13%	-	0.09%	2.61%	4.53%	5.42%
EPS (Basic)	1.21	1.13	0.20	-0.08	0.07	0.08
EPS (Diluted)	1.21	1.13	0.20	-0.08	0.07	0.08
EPS Growth	129.60%	458.52%	-	-	-5.37%	-
Free Cash Flow	-31.91	-49.65	56.36	-13.54	38.06	7.49
Free Cash Flow Per Share	-0.70	-1.10	1.25	-0.30	0.86	0.18
Operating Margin	15.81%	15.99%	4.92%	-2.42%	4.24%	7.91%
Profit Margin	9.87%	10.03%	3.05%	-2.25%	2.68%	4.92%
Free Cash Flow Margin	-5.71%	-9.74%	18.77%	-7.99%	31.19%	11.15%
EBITDA	88.64	81.75	15.07	-2.72	6.26	6.32
EBITDA Margin	15.87%	16.03%	5.02%	-1.61%	5.13%	9.41%
D&A For EBITDA	0.35	0.23	0.28	1.37	1.09	1.01
EBIT	88.29	81.53	14.79	-4.09	5.17	5.31
EBIT Margin	15.81%	15.99%	4.92%	-2.42%	4.24%	7.91%
Effective Tax Rate	34.46%	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.