Opal Balance Investments Ltd (TLV:OPAL)

Opal Balance Investments Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	95.09	83	92.35	90.06	67.18	57.43
Total Interest Expense	2.85	12.04	15.79	11	4.54	4.27
Net Interest Income	92.24	70.96	76.56	79.07	62.64	53.17
Revenue Before Loan Losses	92.24	70.96	76.56	79.07	62.64	53.17
Provision for Loan Losses	-2.1	1.69	12.08	12.28	2.2	4.91
Revenue	94.34	69.27	64.48	66.79	60.44	48.26
Revenue Growth (YoY)	46.63%	7.43%	-3.46%	10.51%	25.23%	-10.69%
Cost of Services Provided	27.28	26.86	27.14	28.2	24.85	20.48
Other Operating Expenses	13.15	0.62	1.34	1.16	0.86	0.94
Total Operating Expenses	40.44	27.48	28.48	29.35	25.71	21.42
Operating Income	53.91	41.79	36	37.43	34.73	26.84
EBT Excluding Unusual Items	51.47	39.92	33.87	36.93	35.01	26.98
Pretax Income	51.78	40.23	34.33	37.63	35.02	27.24
Income Tax Expense	12.05	9.37	7.95	8.64	8.06	6.67
Net Income	39.73	30.86	26.38	28.99	26.96	20.57
Net Income to Common	39.73	30.86	26.38	28.99	26.96	20.57
Net Income Growth	44.81%	17.01%	-9.01%	7.55%	31.02%	-22.59%
Shares Outstanding (Basic)	105	105	105	105	105	102
Shares Outstanding (Diluted)	105	105	105	105	105	102
Shares Change (YoY)	-0.17%	-	0.00%	-	2.55%	16.86%
EPS (Basic)	0.38	0.30	0.25	0.28	0.26	0.20
EPS (Diluted)	0.38	0.30	0.25	0.28	0.26	0.20
EPS Growth	45.07%	17.01%	-9.01%	7.55%	27.76%	-33.66%
Free Cash Flow	-61.86	12.2	13.11	1.91	13.19	35.73
Free Cash Flow Per Share	-0.59	0.12	0.13	0.02	0.13	0.35
Dividend Per Share	0.096	0.196	0.126	0.135	0.128	0.091
Dividend Growth	-36.44%	55.82%	-6.80%	5.54%	40.93%	-28.72%
Operating Margin	57.14%	60.32%	55.83%	56.05%	57.46%	55.61%
Profit Margin	42.11%	44.55%	40.91%	43.41%	44.60%	42.63%
Free Cash Flow Margin	-65.57%	17.61%	20.34%	2.86%	21.83%	74.04%
Effective Tax Rate	23.27%	23.28%	23.17%	22.97%	23.03%	24.48%

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