Citizens 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	247	193	121	100	232	237
Market Cap Growth	-1.15%	60.29%	21.00%	-57.13%	-1.77%	-21.67%
Enterprise Value	229	162	105	80	206	212
PE Ratio	26.67	13.42	5.46	4.10	3.64	-
PS Ratio	1.17	0.82	0.55	0.46	1.06	1.21
PB Ratio	1.29	0.95	0.77	0.83	0.83	0.96
P/FCF Ratio	15.05	6.40	6.17	1.88	6.70	5.96
P/OCF Ratio	14.71	6.27	6.04	1.87	6.54	5.93
EV/Sales Ratio	1.09	0.69	0.48	0.37	0.94	1.09
EV/EBITDA Ratio	19.22	10.75	4.37	3.06	5.29	-
EV/EBIT Ratio	20.24	11.20	4.45	3.12	5.43	-
EV/FCF Ratio	13.93	5.37	5.39	1.51	5.94	5.34
Debt / Equity Ratio	-	0.04	-	-	-	-
Debt / EBITDA Ratio	-	0.50	-	-	-	-
Debt / FCF Ratio	-	0.25	-	-	-	-
Net Debt / Equity Ratio	-0.10	-0.09	-0.16	-0.18	-0.08	-0.11
Net Debt / EBITDA Ratio	-1.54	-1.28	-1.01	-0.82	-0.62	38.18
Net Debt / FCF Ratio	-1.12	-0.64	-1.25	-0.40	-0.69	-0.70
Quick Ratio	0.48	0.42	0.46	0.41	0.41	0.34
Current Ratio	0.79	0.70	0.70	0.65	0.64	0.50
Asset Turnover	0.14	0.15	0.15	0.14	0.14	0.13
Return on Equity (ROE)	5.02%	7.80%	16.30%	11.60%	23.40%	-3.92%
Return on Assets (ROA)	0.48%	0.56%	1.00%	0.99%	1.46%	-0.08%
Return on Invested Capital (ROIC)	4.78%	7.49%	16.30%	11.60%	13.88%	-0.83%
Earnings Yield	3.75%	7.45%	18.33%	24.42%	27.50%	-3.80%
FCF Yield	6.64%	15.62%	16.21%	53.35%	14.92%	16.79%
Buyback Yield / Dilution	-1.63%	-0.13%	0.37%	-0.44%	0.58%	-1.17%

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