Luzon Credit and Finance Income Statement

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

Millions ILS. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	31.7	52.88	66.92	79.67	70.67
Revenue Growth (YoY)	-40.05%	-20.97%	-16.00%	12.72%	54.16%
Cost of Revenue	21.01	25.2	64.87	64.16	41.95
Gross Profit	10.69	27.68	2.05	15.51	28.72
Selling, General & Admin	14.27	15.49	27.43	32.11	30.67
Research & Development	-	-	0.91	-	-
Other Operating Expenses	-1.75	-	-	0.02	0.35
Operating Expenses	12.52	15.49	28.34	32.13	31.03
Operating Income	-1.83	12.19	-26.29	-16.62	-2.31
Interest Expense	-0.14	-0.1	-0.04	-2.09	-1.84
Interest & Investment Income	1.21	2.1	0.46	0.51	0.34
Currency Exchange Gain (Loss)	-0.01	-0	-0.02	-0.01	-0.01
Other Non Operating Income (Expenses)	1.98	-2.1	10.07	-42.8	-0.04
EBT Excluding Unusual Items	1.2	12.08	-15.82	-61.01	-3.85
Merger & Restructuring Charges	-	-	-	-0.29	-1.33
Gain (Loss) on Sale of Assets	-	-0.01	0.2	0	0
Other Unusual Items	-	-	-	-4.05	-
Pretax Income	1.2	12.07	-15.62	-65.35	-5.18
Income Tax Expense	1.03	1.96	2.35	0.72	1.4
Net Income	0.17	10.12	-17.97	-66.07	-6.58
Net Income to Common	0.17	10.12	-17.97	-66.07	-6.58
Net Income Growth	-98.31%	-	-	-	-
Shares Outstanding (Basic)	297	337	300	508	165
Shares Outstanding (Diluted)	297	337	300	508	165
Shares Change (YoY)	-11.96%	12.59%	-41.07%	208.90%	-23.73%
EPS (Basic)	0.00	0.03	-0.06	-0.13	-0.04
EPS (Diluted)	0.00	0.03	-0.06	-0.13	-0.04
EPS Growth	-98.08%	-	-	-	-
Free Cash Flow	-4.47	17.28	-47.47	-6.71	-4.96
Free Cash Flow Per Share	-0.01	0.05	-0.16	-0.01	-0.03
Gross Margin	33.72%	52.34%	3.06%	19.47%	40.64%
Operating Margin	-5.78%	23.05%	-39.29%	-20.87%	-3.26%
Profit Margin	0.54%	19.13%	-26.86%	-82.93%	-9.31%
Free Cash Flow Margin	-14.11%	32.68%	-70.94%	-8.42%	-7.02%
EBITDA	-1.55	12.54	-25.48	-15.95	-1.2
EBITDA Margin	-4.87%	23.71%	-38.07%	-20.02%	-1.69%
D&A For EBITDA	0.29	0.35	0.81	0.67	1.11
EBIT	-1.83	12.19	-26.29	-16.62	-2.31
EBIT Margin	-5.78%	23.05%	-39.29%	-20.87%	-3.26%
Effective Tax Rate	85.76%	16.20%	-	-	-

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