Opal Balance Investments Income Statement

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

Millions ILS. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	107.94	101.94	83	92.35	90.06	67.18
Total Interest Expense	19.37	17.52	12.04	15.79	11	4.54
Net Interest Income	88.57	84.43	70.96	76.56	79.07	62.64
Revenue Before Loan Losses	88.57	84.43	70.96	76.56	79.07	62.64
Provision for Loan Losses	0.62	0.43	1.69	12.08	12.28	2.2
Revenue	87.96	84	69.27	64.48	66.79	60.44
Revenue Growth (YoY)	19.54%	21.26%	7.43%	-3.46%	10.51%	25.23%
Cost of Services Provided	29.98	28.39	26.86	27.14	28.2	24.85
Other Operating Expenses	0.62	0.62	0.62	1.34	1.16	0.86
Total Operating Expenses	30.6	29.01	27.48	28.48	29.35	25.71
Operating Income	57.35	54.99	41.79	36	37.43	34.73
Currency Exchange Gain (Loss)	0.06	0.06	-	-	-	-
EBT Excluding Unusual Items	56.19	53.51	39.92	33.87	36.93	35.01
Pretax Income	55.34	52.66	40.23	34.33	37.63	35.02
Income Tax Expense	12.99	12.26	9.37	7.95	8.64	8.06
Net Income	42.35	40.4	30.86	26.38	28.99	26.96
Net Income to Common	42.35	40.4	30.86	26.38	28.99	26.96
Net Income Growth	26.28%	30.89%	17.01%	-9.01%	7.55%	31.02%
Shares Outstanding (Basic)	105	105	105	105	105	105
Shares Outstanding (Diluted)	105	105	105	105	105	105
Shares Change (YoY)	0.12%	-	-	0.00%	-	2.55%
EPS (Basic)	0.41	0.39	0.30	0.25	0.28	0.26
EPS (Diluted)	0.41	0.39	0.30	0.25	0.28	0.26
EPS Growth	26.07%	30.83%	17.01%	-9.01%	7.55%	27.76%
Free Cash Flow	-51.8	-42.18	12.2	13.11	1.91	13.19
Free Cash Flow Per Share	-0.50	-0.40	0.12	0.13	0.02	0.13
Dividend Per Share	0.197	0.190	0.195	0.126	0.135	0.128
Dividend Growth	-4.84%	-2.45%	54.68%	-6.80%	5.54%	40.93%
Operating Margin	65.21%	65.46%	60.32%	55.83%	56.05%	57.46%
Profit Margin	48.15%	48.09%	44.55%	40.91%	43.41%	44.60%
Free Cash Flow Margin	-58.90%	-50.21%	17.61%	20.34%	2.86%	21.83%
Effective Tax Rate	23.48%	23.28%	23.28%	23.17%	22.97%	23.03%