Nawi Group (NAWI) Q4 2025 earnings summary

Executive summary

• Provided non-bank business credit, mainly for residential real estate, with 73% of the portfolio secured by collateral.

• Achieved significant growth in credit portfolio, reaching ₪5.25 billion at year-end 2025, up from ₪3.94 billion in 2024.

• Net profit for 2025 was ₪235.6 million, a 50.2% increase year-over-year.

• Maintained a strong equity base of ₪1.015 billion, representing 19% of total assets.

• Distributed dividends totaling ₪101 million in 2025, about 43% of net profit.

Financial highlights

• Total revenues for 2025 were ₪459.1 million, up 22.4% from 2024.

• Net interest income was ₪267.2 million, 58.2% of revenues.

• Net profit margin improved, with net profit at ₪235.6 million versus ₪156.8 million in 2024.

• Dividend yield for the year was 6.42%.

• Return on equity reached 25.84%.

Outlook and guidance

• Plans to expand the credit portfolio to ₪5.6 billion in 2026 and ₪6.4 billion in 2027.

• Targeting equity of ₪1.13 billion in 2026 and ₪1.28 billion in 2027.

• Focus on maintaining a low-risk profile, strong governance, and continued dividend distributions.