Creditex Ratios and Metrics

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

Millions PEN. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Feb '26 Feb 19, 2026	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Market Capitalization	149	123	123	135	177	126
Market Cap Growth	21.19%	-0.26%	-8.89%	-23.52%	40.69%	-7.35%
Enterprise Value	230	193	242	209	207	170
Last Close Price	0.86	0.70	0.70	0.71	0.86	0.55
PE Ratio	14.35	-	-	2.79	5.20	-
PS Ratio	0.43	0.35	0.38	0.31	0.52	0.58
PB Ratio	0.37	0.32	0.31	0.32	0.46	0.36
P/TBV Ratio	0.37	0.32	0.31	0.32	0.46	0.36
P/FCF Ratio	47.26	3.22	-	-	76.74	3.38
P/OCF Ratio	19.90	3.02	80.47	-	31.30	3.27
EV/Sales Ratio	0.67	0.55	0.75	0.47	0.60	0.78
EV/EBITDA Ratio	9.63	19.21	37.72	2.75	4.04	14.06
EV/EBIT Ratio	16.79	-	-	3.23	5.20	520.48
EV/FCF Ratio	73.18	5.06	-	-	89.82	4.56
Debt / Equity Ratio	0.22	0.16	0.24	0.18	0.09	0.10
Debt / EBITDA Ratio	3.63	5.67	13.07	1.01	0.69	2.35
Debt / FCF Ratio	27.60	1.64	-	-	15.57	0.91
Net Debt / Equity Ratio	0.20	0.14	0.23	0.16	0.06	0.06
Net Debt / EBITDA Ratio	3.59	5.55	14.28	0.90	0.48	1.83
Net Debt / FCF Ratio	25.92	1.46	-34.38	-3.17	10.66	0.60
Asset Turnover	0.62	0.64	0.55	0.78	0.70	0.44
Inventory Turnover	1.39	1.51	1.18	1.54	1.69	1.22
Quick Ratio	0.70	0.95	0.58	0.57	0.99	1.38
Current Ratio	2.64	2.95	2.56	2.49	3.27	4.62
Return on Equity (ROE)	2.63%	-1.59%	-2.34%	12.01%	9.21%	-0.48%
Return on Assets (ROA)	1.54%	-0.22%	-0.60%	7.11%	5.05%	0.04%
Return on Invested Capital (ROIC)	2.22%	-0.42%	-1.16%	11.29%	7.80%	0.08%
Return on Capital Employed (ROCE)	3.10%	-0.40%	-1.30%	13.50%	9.00%	0.10%
Earnings Yield	6.97%	-5.09%	-7.76%	35.85%	19.23%	-1.38%
FCF Yield	2.12%	31.04%	-2.17%	-15.96%	1.30%	29.62%
Dividend Yield	-	-	-	9.87%	8.15%	12.62%
Payout Ratio	0.36%	-	-	24.96%	35.48%	-
Total Shareholder Return	-	-	-	9.87%	8.15%	12.62%

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