Mandatum Oyj Ratios and Metrics

Market cap in millions EUR. Fiscal year is January - December.

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 17, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Market Capitalization	3,432	3,461	2,252	2,042	-	-
Market Cap Growth	25.73%	53.66%	10.27%	-	-	-
Enterprise Value	3,048	3,418	1,980	1,669	-	-
PE Ratio	22.00	22.18	13.66	12.71	-	-
PS Ratio	6.46	6.52	3.79	3.24	-	-
PB Ratio	2.40	2.42	1.41	1.28	-	-
P/FCF Ratio	27.72	27.95	32.27	7.44	-	-
P/OCF Ratio	27.04	27.27	31.24	7.29	-	-
EV/Sales Ratio	5.74	6.44	3.33	2.65	-	-
EV/EBITDA Ratio	11.18	12.50	6.52	5.29	-	-
EV/EBIT Ratio	11.38	12.71	6.56	5.34	-	-
EV/FCF Ratio	24.62	27.61	28.37	6.08	-	-
Debt / Equity Ratio	0.21	0.21	0.39	0.23	0.22	0.01
Debt / EBITDA Ratio	1.11	1.11	2.04	1.18	0.53	0.08
Debt / FCF Ratio	2.45	2.45	8.94	1.36	-	0.06
Net Debt / Equity Ratio	-0.27	-0.27	-0.17	-0.23	-0.21	-0.51
Net Debt / EBITDA Ratio	-1.40	-1.40	-0.88	-1.15	-0.50	-3.36
Net Debt / FCF Ratio	-3.10	-3.10	-3.81	-1.33	17.68	-2.25
Quick Ratio	489.65	489.65	49.50	71.61	13.92	3.65
Current Ratio	489.65	489.65	50.87	73.55	16.29	4.43
Asset Turnover	0.03	0.03	0.04	0.04	0.07	0.21
Return on Equity (ROE)	10.29%	10.29%	10.30%	9.75%	31.63%	11.82%
Return on Assets (ROA)	0.91%	0.91%	1.10%	1.25%	2.77%	1.05%
Return on Invested Capital (ROIC)	12.38%	11.63%	11.68%	11.80%	28.85%	12.27%
Earnings Yield	4.55%	4.51%	7.32%	7.87%	-	-
FCF Yield	3.61%	3.58%	3.10%	13.45%	-	-
Dividend Yield	-	12.64%	-	-	-	-
Payout Ratio	212.69%	212.69%	100.42%	93.34%	27.64%	101.89%
Buyback Yield / Dilution	-0.23%	-0.23%	-0.05%	-	-	-
Total Shareholder Return	-0.23%	12.41%	-0.05%	-	-	-

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