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	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	86.1	83	92.35	90.06	67.18	57.43
Total Interest Expense	13.19	12.04	15.79	11	4.54	4.27
Net Interest Income	72.91	70.96	76.56	79.07	62.64	53.17
Revenue Before Loan Losses	72.91	70.96	76.56	79.07	62.64	53.17
Provision for Loan Losses	-0.67	1.69	12.08	12.28	2.2	4.91
Revenue	73.58	69.27	64.48	66.79	60.44	48.26
Revenue Growth (YoY)	17.59%	7.43%	-3.46%	10.51%	25.23%	-10.69%
Cost of Services Provided	27.49	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	28.11	27.48	28.48	29.35	25.71	21.42
Operating Income	45.47	41.79	36	37.43	34.73	26.84
EBT Excluding Unusual Items	43.47	39.92	33.87	36.93	35.01	26.98
Pretax Income	43.78	40.23	34.33	37.63	35.02	27.24
Income Tax Expense	10.25	9.37	7.95	8.64	8.06	6.67
Net Income	33.54	30.86	26.38	28.99	26.96	20.57
Net Income to Common	33.54	30.86	26.38	28.99	26.96	20.57
Net Income Growth	30.07%	17.01%	-9.01%	7.55%	31.02%	-22.59%
Shares Outstanding (Basic)	104	105	105	105	105	102
Shares Outstanding (Diluted)	104	105	105	105	105	102
Shares Change (YoY)	-0.35%	-	0.00%	-	2.55%	16.86%
EPS (Basic)	0.32	0.30	0.25	0.28	0.26	0.20
EPS (Diluted)	0.32	0.30	0.25	0.28	0.26	0.20
EPS Growth	30.53%	17.01%	-9.01%	7.55%	27.76%	-33.66%
Free Cash Flow	20.88	12.2	13.11	1.91	13.19	35.73
Free Cash Flow Per Share	0.20	0.12	0.13	0.02	0.13	0.35
Dividend Per Share	0.168	0.196	0.126	0.135	0.128	0.091
Dividend Growth	36.17%	55.82%	-6.80%	5.54%	40.93%	-28.72%
Operating Margin	61.80%	60.32%	55.83%	56.05%	57.46%	55.61%
Profit Margin	45.57%	44.55%	40.91%	43.41%	44.60%	42.63%
Free Cash Flow Margin	28.38%	17.61%	20.34%	2.86%	21.83%	74.04%
Effective Tax Rate	23.40%	23.28%	23.17%	22.97%	23.03%	24.48%

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