VP Bank AG Ratios and Metrics

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Feb '26 Feb 23, 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	590	512	579	544	567	626
Market Cap Growth	11.84%	-11.72%	6.53%	-4.12%	-9.33%	-26.66%
Last Close Price	93.50	77.17	82.47	73.93	74.45	80.80
PE Ratio	15.43	25.98	12.20	13.38	11.61	16.27
PS Ratio	1.61	1.46	1.51	1.59	1.77	2.26
PB Ratio	0.49	0.43	0.49	0.49	0.54	0.66
P/FCF Ratio	8.67	-	-	4.67	-	-
P/OCF Ratio	7.23	-	-	3.64	-	-
Debt / Equity Ratio	0.69	0.37	0.65	0.53	0.45	0.80
Debt / FCF Ratio	12.30	-	-	5.08	-	-
Net Debt / Equity Ratio	-1.52	-0.87	-1.34	-1.96	-2.25	-2.41
Net Debt / FCF Ratio	-26.88	0.96	3.81	-18.73	19.55	9.26
Return on Equity (ROE)	3.20%	1.66%	4.00%	3.67%	4.80%	4.06%
Return on Assets (ROA)	0.31%	0.17%	0.37%	0.31%	0.38%	0.31%
Earnings Yield	6.48%	3.85%	8.20%	7.47%	8.61%	6.15%
FCF Yield	11.53%	-211.38%	-72.06%	21.43%	-21.26%	-39.40%
Dividend Yield	4.63%	5.53%	6.51%	6.84%	6.48%	4.57%
Payout Ratio	69.58%	167.24%	69.40%	76.01%	47.97%	79.68%
Buyback Yield / Dilution	-0.74%	-0.63%	-0.57%	-0.64%	-0.65%	-0.04%
Total Shareholder Return	3.89%	4.90%	5.95%	6.20%	5.83%	4.54%

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