Peninsula Group Ltd (TLV:PEN)

Peninsula Group 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	210.28	183.23	167.2	140.98	153.29	138.35
Total Interest Expense	65.11	56.74	45.03	26.48	13.58	11.67
Net Interest Income	145.17	126.49	122.17	114.5	139.72	126.68
Other Revenue	-	-	-	-	-2.76	-
Revenue Before Loan Losses	145.17	126.49	122.17	114.5	138.04	128.83
Provision for Loan Losses	21.17	21.84	15.26	9.52	9.1	8.31
Revenue	124	104.65	106.9	104.97	128.94	120.52
Revenue Growth (YoY)	28.18%	-2.11%	1.84%	-18.59%	6.99%	88.58%
Cost of Services Provided	37.85	36.83	34.93	40.1	32.27	28.05
Other Operating Expenses	-0.6	-	-	-	-	-
Total Operating Expenses	37.26	36.83	34.93	40.1	32.27	28.05
Operating Income	86.74	67.82	71.97	64.88	96.66	92.47
Earnings From Equity Investments	-	-	-	-	0.77	0.41
EBT Excluding Unusual Items	86.74	67.82	71.97	64.88	97.44	92.88
Gain (Loss) on Sale of Investments	-	-	-	-	-0.23	-
Pretax Income	86.74	67.82	71.97	64.88	97.21	92.88
Income Tax Expense	20.58	16.51	18.17	16.14	28.56	28.66
Net Income	66.17	51.31	53.8	48.74	68.65	64.22
Net Income to Common	66.17	51.31	53.8	48.74	68.65	64.22
Net Income Growth	47.44%	-4.63%	10.39%	-29.01%	6.90%	101.45%
Shares Outstanding (Basic)	222	222	228	235	234	229
Shares Outstanding (Diluted)	224	223	229	236	235	230
Shares Change (YoY)	-1.20%	-2.56%	-3.00%	0.29%	2.33%	52.30%
EPS (Basic)	0.30	0.23	0.24	0.21	0.29	0.28
EPS (Diluted)	0.30	0.23	0.23	0.21	0.29	0.28
EPS Growth	49.25%	-2.13%	14.08%	-29.45%	4.66%	32.23%
Free Cash Flow	26.96	105.81	359.01	-21.63	10.08	-114.79
Free Cash Flow Per Share	0.12	0.47	1.57	-0.09	0.04	-0.50
Dividend Per Share	0.140	0.140	0.160	0.178	0.183	0.201
Dividend Growth	105.91%	-12.75%	-9.86%	-2.89%	-8.67%	72.13%
Operating Margin	69.95%	64.81%	67.32%	61.80%	74.97%	76.73%
Profit Margin	53.36%	49.03%	50.33%	46.43%	53.24%	53.29%
Free Cash Flow Margin	21.74%	101.11%	335.82%	-20.61%	7.81%	-95.25%
Effective Tax Rate	23.72%	24.35%	25.25%	24.88%	29.38%	30.85%

Updated Mar 12, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.