Amalgamated Financial 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 20, 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	1,024	991	741	661	459	349
Market Cap Growth	0.24%	33.85%	12.03%	44.20%	31.48%	-36.15%
Last Close Price	34.00	29.09	23.43	19.92	13.39	-
PE Ratio	11.74	9.64	9.31	8.68	9.86	9.24
PS Ratio	3.93	3.37	2.98	2.85	2.57	2.18
PB Ratio	1.55	1.45	1.40	1.39	0.93	0.80
P/FCF Ratio	9.63	8.39	7.07	4.85	7.65	6.65
P/OCF Ratio	9.41	8.27	6.99	4.80	7.39	6.49
Debt / Equity Ratio	0.12	0.47	0.57	1.37	0.23	0.10
Debt / FCF Ratio	0.72	2.73	2.90	4.80	1.94	0.83
Net Debt / Equity Ratio	-0.11	0.35	0.33	1.20	-0.76	-0.26
Net Debt / FCF Ratio	-0.69	2.03	1.69	4.18	-6.27	-2.18
Return on Equity (ROE)	13.88%	16.46%	16.08%	15.19%	9.63%	9.00%
Return on Assets (ROA)	1.20%	1.31%	1.11%	1.09%	0.81%	0.82%
Earnings Yield	8.52%	10.37%	10.75%	11.53%	10.15%	10.83%
FCF Yield	10.38%	11.91%	14.14%	20.61%	13.07%	15.04%
Dividend Yield	1.50%	1.59%	1.54%	1.69%	2.10%	-
Payout Ratio	18.04%	13.37%	14.02%	13.76%	18.85%	21.62%
Buyback Yield / Dilution	0.10%	-0.49%	1.31%	1.01%	-0.91%	3.03%
Total Shareholder Return	1.60%	1.10%	2.85%	2.70%	1.20%	3.03%

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