Credito Emiliano 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	Jan '26 Jan 30, 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	5,281	3,670	2,734	2,252	1,981	1,458
Market Cap Growth	37.80%	34.23%	21.40%	13.69%	35.84%	-15.26%
Last Close Price	15.08	9.97	6.95	5.56	4.61	3.39
PE Ratio	8.24	5.92	4.86	6.91	5.62	7.24
PS Ratio	2.88	1.89	1.50	1.63	1.54	1.37
PB Ratio	1.16	0.86	0.71	0.67	0.57	0.47
P/FCF Ratio	-	-	0.87	0.68	34.15	30.96
P/OCF Ratio	-	-	0.86	0.68	14.59	16.93
Debt / Equity Ratio	1.85	3.07	4.18	4.55	5.53	4.30
Debt / FCF Ratio	-	-	5.15	4.64	329.87	286.25
Return on Equity (ROE)	14.69%	15.19%	15.55%	9.56%	10.69%	6.70%
Return on Assets (ROA)	0.98%	0.91%	0.85%	0.49%	0.57%	0.39%
Earnings Yield	12.13%	16.89%	20.56%	14.48%	17.79%	13.82%
FCF Yield	-	-50.30%	114.77%	146.12%	2.93%	3.23%
Dividend Yield	4.99%	7.52%	6.48%	5.93%	6.51%	5.90%
Payout Ratio	-	35.70%	19.97%	31.37%	18.81%	-
Buyback Yield / Dilution	-	-0.16%	0.13%	-1.55%	-1.10%	-0.15%
Total Shareholder Return	4.99%	7.37%	6.61%	4.38%	5.42%	5.75%

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