Opal Balance Investments 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
Interest and Dividend Income	101.94	83	92.35	90.06	67.18
Total Interest Expense	17.51	12.04	15.79	11	4.54
Net Interest Income	84.44	70.96	76.56	79.07	62.64
Revenue Before Loan Losses	84.44	70.96	76.56	79.07	62.64
Provision for Loan Losses	0.43	1.69	12.08	12.28	2.2
Revenue	84.01	69.27	64.48	66.79	60.44
Revenue Growth (YoY)	21.27%	7.43%	-3.46%	10.51%	25.23%
Cost of Services Provided	28.39	26.86	27.14	28.2	24.85
Other Operating Expenses	0.63	0.62	1.34	1.16	0.86
Total Operating Expenses	29.02	27.48	28.48	29.35	25.71
Operating Income	54.99	41.79	36	37.43	34.73
Currency Exchange Gain (Loss)	0.06	-	-	-	-
EBT Excluding Unusual Items	53.51	39.92	33.87	36.93	35.01
Pretax Income	52.66	40.23	34.33	37.63	35.02
Income Tax Expense	12.26	9.37	7.95	8.64	8.06
Net Income	40.4	30.86	26.38	28.99	26.96
Net Income to Common	40.4	30.86	26.38	28.99	26.96
Net Income Growth	30.89%	17.01%	-9.01%	7.55%	31.02%
Shares Outstanding (Basic)	105	105	105	105	105
Shares Outstanding (Diluted)	105	105	105	105	105
Shares Change (YoY)	-	-	0.00%	-	2.55%
EPS (Basic)	0.39	0.30	0.25	0.28	0.26
EPS (Diluted)	0.39	0.30	0.25	0.28	0.26
EPS Growth	30.83%	17.01%	-9.01%	7.55%	27.76%
Free Cash Flow	-42.18	12.2	13.11	1.91	13.19
Free Cash Flow Per Share	-0.40	0.12	0.13	0.02	0.13
Dividend Per Share	0.190	0.195	0.126	0.135	0.128
Dividend Growth	-2.45%	54.68%	-6.80%	5.54%	40.93%
Operating Margin	65.45%	60.32%	55.83%	56.05%	57.46%
Profit Margin	48.09%	44.55%	40.91%	43.41%	44.60%
Free Cash Flow Margin	-50.21%	17.61%	20.34%	2.86%	21.83%
Effective Tax Rate	23.28%	23.28%	23.17%	22.97%	23.03%

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