Peninsula Group Ltd (TLV:PEN)

Peninsula Group Income Statement

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

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