Libra Insurance Company Ltd (TLV:LBRA)

Libra Insurance Company Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Premiums & Annuity Revenue	1,067	909.24	255.41	126.72	82.52
Total Interest & Dividend Income	23.41	16.89	9.23	-1.16	0.39
Other Revenue	-	-	35.72	43.85	39.1
Total Revenue	1,090	926.13	300.35	169.41	122.02
Revenue Growth (YoY)	17.72%	208.35%	77.29%	38.84%	81.70%
Policy Benefits	949.58	838.66	219.16	112.99	66.82
Policy Acquisition & Underwriting Costs	-	-	-11.99	-3.75	-5.42
Selling, General & Administrative	-	-	78.39	64.27	55.45
Other Operating Expenses	8.1	6.86	-	-	-
Total Operating Expenses	957.68	845.52	285.56	173.51	116.85
Operating Income	132.54	80.61	14.79	-4.09	5.17
Interest Expense	-4.07	-2.75	-1.84	-0.43	-0.15
Pretax Income	128.47	77.86	12.95	-4.53	5.03
Income Tax Expense	43.23	26.88	3.8	-0.71	1.76
Net Income	85.24	50.99	9.16	-3.81	3.27
Net Income to Common	85.24	50.99	9.16	-3.81	3.27
Net Income Growth	67.18%	456.75%	-	-	-1.09%
Shares Outstanding (Basic)	45	45	45	45	44
Shares Outstanding (Diluted)	45	45	45	45	44
Shares Change (YoY)	-	-	0.09%	2.61%	4.53%
EPS (Basic)	1.88	1.13	0.20	-0.08	0.07
EPS (Diluted)	1.88	1.13	0.20	-0.08	0.07
EPS Growth	67.18%	456.75%	-	-	-5.37%
Free Cash Flow	-55.99	-49.65	56.36	-13.54	38.06
Free Cash Flow Per Share	-1.24	-1.10	1.25	-0.30	0.86
Dividend Per Share	-	0.440	-	-	-
Operating Margin	12.16%	8.70%	4.92%	-2.42%	4.24%
Profit Margin	7.82%	5.50%	3.05%	-2.25%	2.68%
Free Cash Flow Margin	-5.13%	-5.36%	18.77%	-7.99%	31.19%
EBITDA	132.79	80.84	15.07	-2.72	6.26
EBITDA Margin	12.18%	8.73%	5.02%	-1.61%	5.13%
D&A For EBITDA	0.25	0.23	0.28	1.37	1.09
EBIT	132.54	80.61	14.79	-4.09	5.17
EBIT Margin	12.16%	8.70%	4.92%	-2.42%	4.24%
Effective Tax Rate	33.65%	34.52%	29.30%	-	35.04%
Revenue as Reported	-	-	300.35	169.41	122.02

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