Opal Balance Investments Ltd (TLV:OPAL)

Opal Balance Investments Income Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	83	92.35	90.06	67.18	57.43
Total Interest Expense	12.04	15.79	11	4.54	4.27
Net Interest Income	70.96	76.56	79.07	62.64	53.17
Revenue Before Loan Losses	70.96	76.56	79.07	62.64	53.17
Provision for Loan Losses	1.69	12.08	12.28	2.2	4.91
Revenue	69.27	64.48	66.79	60.44	48.26
Revenue Growth (YoY)	7.43%	-3.46%	10.51%	25.23%	-10.69%
Cost of Services Provided	26.86	27.14	28.2	24.85	20.48
Other Operating Expenses	0.62	1.34	1.16	0.86	0.94
Total Operating Expenses	27.48	28.48	29.35	25.71	21.42
Operating Income	41.79	36	37.43	34.73	26.84
EBT Excluding Unusual Items	39.92	33.87	36.93	35.01	26.98
Pretax Income	40.23	34.33	37.63	35.02	27.24
Income Tax Expense	9.37	7.95	8.64	8.06	6.67
Net Income	30.86	26.38	28.99	26.96	20.57
Net Income to Common	30.86	26.38	28.99	26.96	20.57
Net Income Growth	17.01%	-9.01%	7.55%	31.02%	-22.59%
Shares Outstanding (Basic)	105	105	105	105	102
Shares Outstanding (Diluted)	105	105	105	105	102
Shares Change (YoY)	-	0.00%	-	2.55%	16.86%
EPS (Basic)	0.30	0.25	0.28	0.26	0.20
EPS (Diluted)	0.30	0.25	0.28	0.26	0.20
EPS Growth	17.01%	-9.01%	7.55%	27.76%	-33.66%
Free Cash Flow	12.2	13.11	1.91	13.19	35.73
Free Cash Flow Per Share	0.12	0.13	0.02	0.13	0.35
Dividend Per Share	0.196	0.126	0.135	0.128	0.091
Dividend Growth	55.82%	-6.80%	5.54%	40.93%	-28.72%
Operating Margin	60.32%	55.83%	56.05%	57.46%	55.61%
Profit Margin	44.55%	40.91%	43.41%	44.60%	42.63%
Free Cash Flow Margin	17.61%	20.34%	2.86%	21.83%	74.04%
Effective Tax Rate	23.28%	23.17%	22.97%	23.03%	24.48%

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