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Luzon Credit and Finance Ltd (TLV:LUZC)
Israel flag Israel · Delayed Price · Currency is ILS · Price in ILA
44.70
-0.10 (-0.22%)
At close: Sep 1, 2026

Luzon Credit and Finance Financials Overview

Millions ILS. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
24.0631.752.8866.9279.6770.67
Revenue Growth
-41.92%-40.05%-20.97%-16.00%12.72%54.16%
Gross Profit
4.8610.6927.682.0515.5128.72
Operating Income
-7.41-1.8312.19-26.29-16.62-2.31
Net Income
0.660.1710.12-17.97-66.07-6.58
Earnings Per Share
-0.000.03-0.06-0.13-0.04
EPS Growth
--98.08%----

Revenue by Segment
Chart
Fiscal YearFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingDec '25 Dec '24 Dec '23 Dec '22 Dec '21
Credit Brokerage
31.2752.1463.7579.3170.67
Credit Provision
0.230.753.170.36-
Unallocated Adjustments
0.21----
Total
31.752.8866.9279.6770.67

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
133.8936.141.1924.5871.128.32
Total Debt
0.211.361.821.772.294.31
Net Cash (Debt)
133.6834.7439.3722.8168.834.02
Net Cash Growth
274.54%-11.76%72.59%-66.86%1612.97%-
Net Cash Per Share
-0.120.120.080.140.02

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-4.78-4.4517.3-46.63-6.23-4.63
Capital Expenditures
-0.07-0.02-0.02-0.85-0.48-0.33
Free Cash Flow
-4.85-4.4717.28-47.47-6.71-4.96
Free Cash Flow Growth
------

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Gross Margin
20.21%33.72%52.34%3.06%19.47%40.64%
Operating Margin
-30.80%-5.78%23.05%-39.29%-20.87%-3.26%
Pretax Margin
10.65%3.79%22.83%-23.34%-82.03%-7.33%
Profit Margin
2.73%0.54%19.13%-26.86%-82.93%-9.31%
FCF Margin
-20.14%-14.11%32.68%-70.94%-8.42%-7.02%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
189.46920.0912.53---
P/FCF Ratio
--7.33---
PS Ratio
8.814.962.401.67--