Libra Insurance Company Ltd (TLV:LBRA)

Libra Insurance Company Income Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Premiums & Annuity Revenue	456.06	255.41	126.72	82.52	44.04
Total Interest & Dividend Income	21.58	9.23	-1.16	0.39	0.21
Other Revenue	32.28	35.72	43.85	39.1	22.91
Total Revenue	509.92	300.35	169.41	122.02	67.15
Revenue Growth (YoY)	69.77%	77.29%	38.84%	81.70%	149.69%
Policy Benefits	345.87	219.16	112.99	66.82	30.06
Policy Acquisition & Underwriting Costs	75.13	-11.99	-3.75	-5.42	-7.86
Selling, General & Administrative	7.4	78.39	64.27	55.45	39.65
Total Operating Expenses	428.4	285.56	173.51	116.85	61.84
Operating Income	81.53	14.79	-4.09	5.17	5.31
Interest Expense	-3.52	-1.84	-0.43	-0.15	-0.14
Pretax Income	78.01	12.95	-4.53	5.03	5.18
Income Tax Expense	26.86	3.8	-0.71	1.76	1.88
Net Income	51.15	9.16	-3.81	3.27	3.3
Net Income to Common	51.15	9.16	-3.81	3.27	3.3
Net Income Growth	458.52%	-	-	-1.09%	-
Shares Outstanding (Basic)	45	45	45	44	42
Shares Outstanding (Diluted)	45	45	45	44	42
Shares Change (YoY)	0.08%	-	2.61%	4.53%	5.42%
EPS (Basic)	1.13	0.20	-0.08	0.07	0.08
EPS (Diluted)	1.13	0.20	-0.08	0.07	0.08
EPS Growth	458.09%	-	-	-5.37%	-
Free Cash Flow	-49.65	56.36	-13.54	38.06	7.49
Free Cash Flow Per Share	-1.10	1.25	-0.30	0.86	0.18
Operating Margin	15.99%	4.92%	-2.42%	4.24%	7.91%
Profit Margin	10.03%	3.05%	-2.25%	2.68%	4.92%
Free Cash Flow Margin	-9.74%	18.77%	-7.99%	31.19%	11.15%
EBITDA	85.6	15.07	-3.63	6.26	6.32
EBITDA Margin	16.79%	5.02%	-2.14%	5.13%	9.41%
D&A For EBITDA	4.08	0.28	0.46	1.09	1.01
EBIT	81.53	14.79	-4.09	5.17	5.31
EBIT Margin	15.99%	4.92%	-2.42%	4.24%	7.91%
Effective Tax Rate	34.43%	29.30%	-	35.04%	36.24%
Revenue as Reported	509.92	300.35	169.41	122.02	67.15

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