BVC:CREDIFAMI Ratios and Metrics

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

Millions COP. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 19, 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	90,153	90,153	90,153	90,153	90,117	90,117
Market Cap Growth	0%	-	-	0.04%	-	-0.04%
PE Ratio	5.58	5.58	8.64	5.29	3.25	5.49
PS Ratio	1.38	1.38	1.52	1.15	0.98	1.71
PB Ratio	0.79	0.79	0.88	0.91	0.95	1.21
P/FCF Ratio	3.34	3.34	2.04	-	1.04	9.60
P/OCF Ratio	3.32	3.32	2.03	-	1.04	8.76
Debt / Equity Ratio	4.02	4.02	4.30	4.47	4.05	5.15
Debt / FCF Ratio	16.95	16.95	9.94	-	4.44	40.95
Net Debt / Equity Ratio	3.65	3.65	3.86	3.85	3.39	4.65
Net Debt / FCF Ratio	15.39	15.39	8.91	-7.45	3.72	37.02
Quick Ratio	2.94	2.94	3.24	3.24	3.56	4.83
Current Ratio	2.99	2.99	3.29	3.29	3.60	4.84
Asset Turnover	0.08	0.08	0.08	0.11	0.15	0.10
Return on Equity (ROE)	14.95%	14.95%	10.33%	17.52%	32.66%	23.88%
Return on Assets (ROA)	2.03%	2.03%	1.34%	2.37%	4.48%	3.06%
Return on Invested Capital (ROIC)	2.96%	2.90%	1.92%	3.33%	5.91%	3.62%
Earnings Yield	17.93%	17.93%	11.57%	18.91%	30.76%	18.22%
FCF Yield	29.97%	29.97%	49.10%	-57.06%	96.11%	10.42%
Dividend Yield	5.21%	-	5.49%	8.98%	16.95%	10.94%
Payout Ratio	29.04%	29.04%	85.79%	69.91%	26.65%	27.43%
Total Shareholder Return	5.21%	-	5.49%	8.98%	16.95%	10.94%

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