Luzon Credit and Finance Ltd (TLV:LUZC)

Israel · Delayed Price · Currency is ILS · Price in ILA

49.80

0.00 (0.00%)

At close: Jul 24, 2026

Luzon Credit and Finance Financials Overview

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

Millions ILS. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	28.36	31.7	52.88	66.92	79.67	70.67
Revenue Growth	-39.90%	-40.05%	-20.97%	-16.00%	12.72%	54.16%
Gross Profit	8.62	10.69	27.68	2.05	15.51	28.72
Operating Income	-4.18	-1.83	12.19	-26.29	-16.62	-2.31
Net Income	7.84	0.17	10.12	-17.97	-66.07	-6.58
Earnings Per Share	-	0.00	0.03	-0.06	-0.13	-0.04
EPS Growth	-	-98.08%	-	-	-	-

Revenue by Segment

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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
Credit Brokerage	26.41	31.27	52.14	63.75	79.31	70.67
Credit Provision	-	0.23	0.75	3.17	0.36	-
Unallocated Adjustments	-	0.21	-	-	-	-
Total	28.36	31.7	52.88	66.92	79.67	70.67

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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
Cash & Investments	135.57	36.1	41.19	24.58	71.12	8.32
Total Debt	0.32	1.36	1.82	1.77	2.29	4.31
Net Cash (Debt)	135.25	34.74	39.37	22.81	68.83	4.02
Net Cash Growth	252.33%	-11.76%	72.59%	-66.86%	1612.97%	-
Net Cash Per Share	-	0.12	0.12	0.08	0.14	0.02

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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
Operating Cash Flow	-5.9	-4.45	17.3	-46.63	-6.23	-4.63
Capital Expenditures	-0.03	-0.02	-0.02	-0.85	-0.48	-0.33
Free Cash Flow	-5.92	-4.47	17.28	-47.47	-6.71	-4.96
Free Cash Flow Growth	-	-	-	-	-	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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
Gross Margin	30.37%	33.72%	52.34%	3.06%	19.47%	40.64%
Operating Margin	-14.73%	-5.78%	23.05%	-39.29%	-20.87%	-3.26%
Pretax Margin	34.34%	3.79%	22.83%	-23.34%	-82.03%	-7.33%
Profit Margin	27.63%	0.54%	19.13%	-26.86%	-82.93%	-9.31%
FCF Margin	-20.89%	-14.11%	32.68%	-70.94%	-8.42%	-7.02%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 25, 2026	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
PE Ratio	18.86	920.09	12.53	-	-	-
P/FCF Ratio	-	-	7.33	-	-	-
PS Ratio	5.21	4.96	2.40	1.67	-	-