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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 12, 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	149	149	123	123	135	177
Market Cap Growth	21.19%	21.19%	-0.26%	-8.89%	-23.52%	40.69%
Enterprise Value	229	230	193	242	209	207
Last Close Price	0.80	0.80	0.81	0.84	0.67	0.67
PE Ratio	119.58	127.99	-	-	2.79	5.20
PS Ratio	0.46	0.46	0.35	0.38	0.31	0.52
PB Ratio	0.38	0.38	0.32	0.31	0.32	0.46
P/TBV Ratio	0.38	0.38	0.32	0.31	0.32	0.46
P/FCF Ratio	-	-	3.22	-	-	76.74
P/OCF Ratio	-	-	3.02	80.47	-	31.30
EV/Sales Ratio	0.71	0.71	0.55	0.75	0.47	0.60
EV/EBITDA Ratio	13.88	15.39	19.21	37.72	2.75	4.04
EV/EBIT Ratio	121.68	122.17	-	-	3.23	5.20
EV/FCF Ratio	-30.70	-	5.06	-	-	89.82
Debt / Equity Ratio	0.21	0.21	0.16	0.24	0.18	0.09
Debt / EBITDA Ratio	5.05	5.05	5.67	13.07	1.01	0.69
Debt / FCF Ratio	-	-	1.64	-	-	15.57
Net Debt / Equity Ratio	0.21	0.21	0.14	0.23	0.16	0.06
Net Debt / EBITDA Ratio	5.39	5.39	5.55	14.28	0.90	0.48
Net Debt / FCF Ratio	-10.79	-10.79	1.46	-34.38	-3.17	10.66
Asset Turnover	0.60	0.60	0.64	0.55	0.78	0.70
Inventory Turnover	1.43	1.43	1.51	1.18	1.54	1.69
Quick Ratio	0.68	0.68	0.95	0.58	0.57	0.99
Current Ratio	2.63	2.63	2.95	2.56	2.49	3.27
Return on Equity (ROE)	0.30%	0.30%	-1.59%	-2.34%	12.01%	9.21%
Return on Assets (ROA)	0.22%	0.22%	-0.22%	-0.60%	7.11%	5.05%
Return on Invested Capital (ROIC)	0.18%	0.19%	-0.42%	-1.16%	11.29%	7.80%
Return on Capital Employed (ROCE)	0.40%	0.40%	-0.40%	-1.30%	13.50%	9.00%
Earnings Yield	0.78%	0.78%	-5.09%	-7.76%	35.85%	19.23%
FCF Yield	-5.02%	-5.02%	31.04%	-2.17%	-15.96%	1.30%
Dividend Yield	-	-	-	-	10.41%	10.41%
Payout Ratio	-	3.10%	-	-	24.96%	35.48%
Total Shareholder Return	4.42%	-	-	-	10.41%	10.41%

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