S.R. Accord Ltd. (TLV:SRAC)

S.R. Accord 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	195.32	186.59	191.18	181.51	133.45	114.12
Total Interest Expense	70.05	62.75	54.75	37.39	17.69	15.66
Net Interest Income	125.26	123.84	136.43	144.12	115.77	98.46
Revenue Before Loan Losses	125.26	123.84	136.43	144.12	115.77	98.46
Provision for Loan Losses	8.19	11.02	24.07	17.78	3.7	7.21
Revenue	117.07	112.83	112.36	126.34	112.07	91.25
Revenue Growth (YoY)	-3.88%	0.42%	-11.06%	12.73%	22.81%	4.19%
Salaries & Employee Benefits	11.57	11.57	10.86	10.04	0.42	0.29
Cost of Services Provided	7.02	4.82	6.29	6.86	15.79	12.67
Other Operating Expenses	5.5	5.5	6.29	7.53	5.56	9.62
Total Operating Expenses	25.69	23.49	25.17	26.17	21.77	22.58
Operating Income	91.38	89.34	87.19	100.17	90.3	68.68
Earnings From Equity Investments	0.69	-0.29	-0.03	0.83	-	-
EBT Excluding Unusual Items	92.36	89.33	87.55	99.53	90.3	68.68
Gain (Loss) on Sale of Investments	1.42	-0.15	-3.23	-3.17	-0.23	0.39
Pretax Income	99.98	95.15	85.97	98.27	91.92	73.28
Income Tax Expense	22.94	21.81	18.73	19.19	21.36	17.31
Earnings From Continuing Ops.	77.04	73.35	67.24	79.08	70.56	55.98
Minority Interest in Earnings	-4.32	-3.77	-1.9	-0	-	-
Net Income	72.72	69.57	65.35	79.08	70.56	55.98
Net Income to Common	72.72	69.57	65.35	79.08	70.56	55.98
Net Income Growth	8.16%	6.47%	-17.36%	12.07%	26.05%	0.26%
Shares Outstanding (Basic)	13	13	13	14	14	13
Shares Outstanding (Diluted)	13	13	13	14	14	13
Shares Change (YoY)	-0.14%	-1.37%	-1.65%	-0.16%	2.51%	11.31%
EPS (Basic)	5.54	5.30	4.91	5.85	5.21	4.24
EPS (Diluted)	5.54	5.30	4.91	5.85	5.21	4.24
EPS Growth	8.31%	7.95%	-15.97%	12.24%	22.97%	-9.85%
Free Cash Flow	42.17	-15.3	157.48	-38.09	-26.68	-172.98
Free Cash Flow Per Share	3.21	-1.17	11.84	-2.82	-1.97	-13.09
Dividend Per Share	2.667	2.668	-	1.853	2.362	2.380
Dividend Growth	191.57%	-	-	-21.55%	-0.74%	-3.64%
Operating Margin	78.06%	79.18%	77.60%	79.29%	80.57%	75.26%
Profit Margin	62.11%	61.66%	58.16%	62.59%	62.96%	61.34%
Free Cash Flow Margin	36.02%	-13.56%	140.15%	-30.15%	-23.81%	-189.55%
Effective Tax Rate	22.95%	22.92%	21.79%	19.53%	23.24%	23.61%

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