Peninsula Group Income Statement

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

Millions ILS. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest and Dividend Income	217.43	183.23	167.2	140.98	153.29	138.35
Total Interest Expense	66.23	56.74	45.03	26.48	13.58	11.67
Net Interest Income	151.2	126.49	122.17	114.5	139.72	126.68
Other Revenue	-	-	-	-	-2.76	-
Revenue Before Loan Losses	151.2	126.49	122.17	114.5	138.04	128.83
Provision for Loan Losses	20.15	21.84	15.26	9.52	9.1	8.31
Revenue	131.06	104.65	106.9	104.97	128.94	120.52
Revenue Growth (YoY)	31.60%	-2.11%	1.84%	-18.59%	6.99%	88.58%
Cost of Services Provided	38.39	36.83	34.93	40.1	32.27	28.05
Total Operating Expenses	38.39	36.83	34.93	40.1	32.27	28.05
Operating Income	92.67	67.82	71.97	64.88	96.66	92.47
Earnings From Equity Investments	-	-	-	-	0.77	0.41
EBT Excluding Unusual Items	92.67	67.82	71.97	64.88	97.44	92.88
Gain (Loss) on Sale of Investments	-	-	-	-	-0.23	-
Pretax Income	92.67	67.82	71.97	64.88	97.21	92.88
Income Tax Expense	21.78	16.51	18.17	16.14	28.56	28.66
Net Income	70.89	51.31	53.8	48.74	68.65	64.22
Net Income to Common	70.89	51.31	53.8	48.74	68.65	64.22
Net Income Growth	46.59%	-4.63%	10.39%	-29.01%	6.90%	101.45%
Shares Outstanding (Basic)	222	222	228	235	234	229
Shares Outstanding (Diluted)	223	223	229	236	235	230
Shares Change (YoY)	-0.61%	-2.56%	-3.00%	0.29%	2.33%	52.30%
EPS (Basic)	0.32	0.23	0.24	0.21	0.29	0.28
EPS (Diluted)	0.32	0.23	0.23	0.21	0.29	0.28
EPS Growth	47.50%	-2.13%	14.08%	-29.45%	4.66%	32.23%
Free Cash Flow	-159.24	105.81	359.01	-21.63	10.08	-114.79
Free Cash Flow Per Share	-0.71	0.47	1.57	-0.09	0.04	-0.50
Dividend Per Share	0.193	0.140	0.160	0.178	0.183	0.201
Dividend Growth	46.22%	-12.75%	-9.86%	-2.89%	-8.67%	72.13%
Operating Margin	70.71%	64.81%	67.32%	61.80%	74.97%	76.73%
Profit Margin	54.09%	49.03%	50.33%	46.43%	53.24%	53.29%
Free Cash Flow Margin	-121.50%	101.11%	335.82%	-20.61%	7.81%	-95.25%
Effective Tax Rate	23.51%	24.35%	25.25%	24.88%	29.38%	30.85%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.