Pareto Bank ASA 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 23, 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	572	591	441	369	318	415
Market Cap Growth	17.36%	33.92%	19.52%	16.21%	-23.40%	58.43%
Last Close Price	7.31	7.61	5.42	4.22	3.74	4.42
PE Ratio	10.86	11.21	8.15	7.31	6.21	8.24
PS Ratio	6.05	6.24	4.61	4.15	3.64	5.00
PB Ratio	1.18	1.22	0.96	0.83	0.79	1.09
P/FCF Ratio	16.36	16.89	2.40	12.50	-	-
P/OCF Ratio	16.33	16.86	2.40	12.46	-	-
Debt / Equity Ratio	1.31	1.31	1.49	1.70	1.81	1.66
Debt / FCF Ratio	18.12	18.12	3.75	25.63	-	-
Net Debt / Equity Ratio	1.27	1.27	0.99	1.34	1.61	1.41
Net Debt / FCF Ratio	17.63	17.63	2.49	20.24	-6.25	-5.54
Return on Equity (ROE)	12.09%	12.09%	13.16%	13.13%	13.81%	13.71%
Return on Assets (ROA)	2.57%	2.57%	2.59%	2.51%	2.63%	2.56%
Earnings Yield	9.21%	9.66%	13.24%	14.63%	16.61%	12.14%
FCF Yield	6.11%	5.92%	41.67%	8.00%	-32.56%	-23.43%
Dividend Yield	4.99%	8.88%	6.51%	8.24%	9.80%	7.90%
Payout Ratio	54.86%	54.86%	50.72%	50.97%	46.96%	43.30%
Buyback Yield / Dilution	0.09%	0.09%	-0.07%	-9.88%	1.83%	0.49%
Total Shareholder Return	5.08%	8.98%	6.44%	-1.64%	11.63%	8.39%

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