ETR:HFF 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	Feb '26 Feb 26, 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	32,879	32,704	30,633	21,872	22,570	20,662
Market Cap Growth	6.46%	6.76%	40.05%	-3.09%	9.24%	44.01%
Enterprise Value	36,893	36,584	34,962	26,019	26,804	25,137
PE Ratio	10.12	10.07	10.26	9.74	13.42	10.00
PS Ratio	1.36	1.35	1.19	0.99	1.08	1.05
PB Ratio	2.03	2.02	1.93	1.58	1.76	1.32
P/FCF Ratio	6.71	6.67	5.50	6.04	6.29	5.93
P/OCF Ratio	6.52	6.48	5.37	5.73	6.02	5.74
EV/Sales Ratio	1.54	1.51	1.36	1.17	1.28	1.28
EV/EBITDA Ratio	8.27	8.21	8.37	7.68	9.46	7.69
EV/EBIT Ratio	8.78	8.65	8.88	8.66	11.54	9.23
EV/FCF Ratio	7.53	7.47	6.28	7.18	7.47	7.22
Debt / Equity Ratio	0.24	0.24	0.27	0.29	0.33	0.29
Debt / EBITDA Ratio	0.86	0.86	1.04	1.20	1.47	1.37
Debt / FCF Ratio	0.79	0.79	0.78	1.13	1.17	1.31
Net Debt / Equity Ratio	0.23	0.23	0.26	0.29	0.31	0.28
Net Debt / EBITDA Ratio	0.84	0.84	1.00	1.17	1.41	1.34
Net Debt / FCF Ratio	0.77	0.77	0.75	1.10	1.11	1.25
Quick Ratio	1.08	1.08	1.09	1.12	1.15	1.15
Current Ratio	1.84	1.84	1.91	2.00	2.15	2.11
Asset Turnover	0.34	0.34	0.34	0.33	0.30	0.30
Return on Equity (ROE)	21.66%	21.66%	19.58%	17.27%	11.54%	13.03%
Return on Assets (ROA)	3.72%	3.72%	3.23%	2.77%	2.07%	2.57%
Return on Invested Capital (ROIC)	17.27%	18.00%	16.15%	14.16%	9.69%	10.95%
Earnings Yield	9.88%	9.99%	9.81%	10.36%	7.54%	10.09%
FCF Yield	14.90%	14.98%	18.18%	16.57%	15.89%	16.85%
Dividend Yield	1.75%	1.56%	-	2.54%	2.38%	2.20%
Payout Ratio	18.31%	15.98%	18.55%	21.93%	28.97%	21.34%
Buyback Yield / Dilution	4.05%	4.05%	4.14%	5.46%	6.95%	1.80%
Total Shareholder Return	5.80%	5.61%	4.14%	8.01%	9.33%	4.00%

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