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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Premiums & Annuity Revenue	535.05	456.06	255.41	126.72	82.52	44.04
Total Interest & Dividend Income	23.88	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	591.21	509.92	300.35	169.41	122.02	67.15
Revenue Growth (YoY)	-10.00%	69.77%	77.29%	38.84%	81.70%	149.69%
Policy Benefits	403.41	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	488.32	428.4	285.56	173.51	116.85	61.84
Operating Income	102.89	81.53	14.79	-4.09	5.17	5.31
Interest Expense	-4.62	-3.52	-1.84	-0.43	-0.15	-0.14
Pretax Income	98.28	78.01	12.95	-4.53	5.03	5.18
Income Tax Expense	33.89	26.86	3.8	-0.71	1.76	1.88
Net Income	64.38	51.15	9.16	-3.81	3.27	3.3
Net Income to Common	64.38	51.15	9.16	-3.81	3.27	3.3
Net Income Growth	68.84%	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)	-6.37%	-	0.09%	2.61%	4.53%	5.42%
EPS (Basic)	1.42	1.13	0.20	-0.08	0.07	0.08
EPS (Diluted)	1.42	1.13	0.20	-0.08	0.07	0.08
EPS Growth	80.33%	458.52%	-	-	-5.37%	-
Free Cash Flow	-71.86	-49.65	56.36	-13.54	38.06	7.49
Free Cash Flow Per Share	-1.58	-1.10	1.25	-0.30	0.86	0.18
Operating Margin	17.40%	15.99%	4.92%	-2.42%	4.24%	7.91%
Profit Margin	10.89%	10.03%	3.05%	-2.25%	2.68%	4.92%
Free Cash Flow Margin	-12.15%	-9.74%	18.77%	-7.99%	31.19%	11.15%
EBITDA	103.42	81.75	15.07	-2.72	6.26	6.32
EBITDA Margin	17.49%	16.03%	5.02%	-1.61%	5.13%	9.41%
D&A For EBITDA	0.53	0.23	0.28	1.37	1.09	1.01
EBIT	102.89	81.53	14.79	-4.09	5.17	5.31
EBIT Margin	17.40%	15.99%	4.92%	-2.42%	4.24%	7.91%
Effective Tax Rate	34.49%	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.