First Investment Bank AD Ratios and Metrics

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

Millions BGN. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 9, 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	939	865	644	435	297	239
Market Cap Growth	47.24%	34.26%	47.95%	46.73%	24.38%	-13.04%
Last Close Price	6.30	5.80	4.32	2.92	1.99	1.60
PE Ratio	5.03	4.59	4.45	2.76	3.05	2.16
PS Ratio	2.25	2.07	1.54	1.03	0.89	0.77
PB Ratio	0.49	0.45	0.37	0.28	0.21	0.18
P/FCF Ratio	-	-	-	-	0.71	-
P/OCF Ratio	-	-	-	-	0.65	-
Debt / Equity Ratio	0.87	0.87	0.63	0.57	0.41	0.41
Debt / FCF Ratio	-	-	-	-	1.37	-
Net Debt / Equity Ratio	0.28	0.28	0.22	0.14	-0.04	-0.02
Net Debt / FCF Ratio	-0.43	-0.43	-0.18	-0.17	-0.15	0.05
Return on Equity (ROE)	10.39%	10.39%	8.80%	10.65%	7.21%	8.79%
Return on Assets (ROA)	1.05%	1.05%	0.92%	1.12%	0.77%	0.96%
Earnings Yield	20.03%	21.77%	22.48%	36.20%	32.78%	46.36%
FCF Yield	-129.28%	-140.46%	-321.17%	-313.26%	140.20%	-256.15%
Buyback Yield / Dilution	-	-	-	-	-	-18.00%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.