Nawi Group Ltd (TLV: NAWI)

Nawi Group Income Statement

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest and Dividend Income	370.13	372.37	251.76	167.23	136.02	154.54
Total Interest Expense	138.44	143.09	59.91	21.91	17.5	24.83
Net Interest Income	231.69	229.28	191.85	145.32	118.52	129.71
Revenue Before Loan Losses	231.69	229.28	191.85	145.32	118.52	129.71
Provision for Loan Losses	25.8	29.27	-5.12	-17.24	4.45	28.84
Revenue	205.89	200.01	196.97	162.56	114.08	100.88
Revenue Growth (YoY)	2.23%	1.54%	21.16%	42.50%	13.08%	-7.93%
Cost of Services Provided	20.75	20.94	20.72	20.84	15.83	13.07
Other Operating Expenses	0.56	0.56	0.92	0.47	0.5	0.8
Total Operating Expenses	21.32	21.51	21.64	21.31	16.33	13.87
Operating Income	184.57	178.5	175.32	141.25	97.75	87.01
Pretax Income	186.77	183.81	176.65	143.05	97.75	87.01
Income Tax Expense	41.72	41.11	40.4	32.94	23.38	34.7
Net Income	145.05	142.7	136.25	110.11	74.37	52.31
Net Income to Common	145.05	142.7	136.25	110.11	74.37	52.31
Net Income Growth	1.73%	4.73%	23.74%	48.05%	42.19%	-27.47%
Shares Outstanding (Basic)	33	33	33	33	33	33
Shares Outstanding (Diluted)	33	33	33	33	33	33
EPS (Basic)	4.43	4.36	4.16	3.36	2.27	1.60
EPS (Diluted)	4.43	4.36	4.16	3.36	2.27	1.60
EPS Growth	1.73%	4.73%	23.74%	48.05%	42.19%	-27.47%
Free Cash Flow	3.81	229.42	-98.37	-281.77	503.77	535.23
Free Cash Flow Per Share	0.12	7.01	-3.01	-8.61	15.39	16.35
Dividend Per Share	4.107	2.287	1.943	1.941	1.130	-
Dividend Growth	-	17.70%	0.09%	71.76%	-	-
Operating Margin	89.65%	89.25%	89.01%	86.89%	85.69%	86.25%
Profit Margin	70.45%	71.35%	69.17%	67.73%	65.20%	51.85%
Free Cash Flow Margin	1.85%	114.70%	-49.94%	-173.33%	441.61%	530.58%
Effective Tax Rate	22.34%	22.37%	22.87%	23.03%	23.92%	39.88%

Source: S&P Capital IQ. Financial Services template. Financial Sources.