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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	91.07	83	92.35	90.06	67.18	57.43
Total Interest Expense	14.59	12.04	15.79	11	4.54	4.27
Net Interest Income	76.48	70.96	76.56	79.07	62.64	53.17
Revenue Before Loan Losses	76.48	70.96	76.56	79.07	62.64	53.17
Provision for Loan Losses	-2.61	1.69	12.08	12.28	2.2	4.91
Revenue	79.09	69.27	64.48	66.79	60.44	48.26
Revenue Growth (YoY)	25.16%	7.43%	-3.46%	10.51%	25.23%	-10.69%
Cost of Services Provided	27.74	26.86	27.14	28.2	24.85	20.48
Other Operating Expenses	0.62	0.62	1.34	1.16	0.86	0.94
Total Operating Expenses	28.36	27.48	28.48	29.35	25.71	21.42
Operating Income	50.73	41.79	36	37.43	34.73	26.84
EBT Excluding Unusual Items	48.22	39.92	33.87	36.93	35.01	26.98
Pretax Income	48.53	40.23	34.33	37.63	35.02	27.24
Income Tax Expense	11.5	9.37	7.95	8.64	8.06	6.67
Net Income	37.03	30.86	26.38	28.99	26.96	20.57
Net Income to Common	37.03	30.86	26.38	28.99	26.96	20.57
Net Income Growth	39.23%	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)	-0.11%	-	0.00%	-	2.55%	16.86%
EPS (Basic)	0.35	0.30	0.25	0.28	0.26	0.20
EPS (Diluted)	0.35	0.30	0.25	0.28	0.26	0.20
EPS Growth	39.38%	17.01%	-9.01%	7.55%	27.76%	-33.66%
Free Cash Flow	-58.82	12.2	13.11	1.91	13.19	35.73
Free Cash Flow Per Share	-0.56	0.12	0.13	0.02	0.13	0.35
Dividend Per Share	0.225	0.196	0.126	0.135	0.128	0.091
Dividend Growth	77.26%	55.82%	-6.80%	5.54%	40.93%	-28.72%
Operating Margin	64.14%	60.32%	55.83%	56.05%	57.46%	55.61%
Profit Margin	46.82%	44.55%	40.91%	43.41%	44.60%	42.63%
Free Cash Flow Margin	-74.37%	17.61%	20.34%	2.86%	21.83%	74.04%
Effective Tax Rate	23.70%	23.28%	23.17%	22.97%	23.03%	24.48%

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