Mandatum Oyj 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	2019 - 2020
Period Ending	Sep '25 Sep 5, 2025	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	2019 - 2020
Market Capitalization	2,929	2,252	2,042	-	-	-	Upgrade
Market Cap Growth	32.93%	10.27%	-	-	-	-	Upgrade
Enterprise Value	2,911	1,980	1,669	-	-	-	Upgrade
PE Ratio	19.54	13.66	12.71	-	-	-	Upgrade
PS Ratio	5.82	3.79	3.24	-	-	-	Upgrade
PB Ratio	2.17	1.41	1.28	-	-	-	Upgrade
P/FCF Ratio	22.58	32.27	7.44	-	-	-	Upgrade
P/OCF Ratio	22.05	31.24	7.29	-	-	-	Upgrade
EV/Sales Ratio	5.79	3.33	2.65	-	-	-	Upgrade
EV/EBITDA Ratio	12.94	6.52	5.29	-	-	-	Upgrade
EV/EBIT Ratio	13.22	6.56	5.34	-	-	-	Upgrade
EV/FCF Ratio	22.44	28.37	6.08	-	-	-	Upgrade
Debt / Equity Ratio	0.45	0.39	0.23	0.22	0.01	0.02	Upgrade
Debt / EBITDA Ratio	2.70	2.04	1.18	0.53	0.08	0.14	Upgrade
Debt / FCF Ratio	4.71	8.94	1.36	-	0.06	-	Upgrade
Quick Ratio	815.16	49.50	71.61	13.92	3.65	37.85	Upgrade
Current Ratio	817.06	50.87	73.55	16.29	4.43	40.44	Upgrade
Asset Turnover	0.03	0.04	0.04	0.07	0.21	-	Upgrade
Return on Equity (ROE)	10.29%	10.30%	9.75%	31.63%	11.82%	-	Upgrade
Return on Assets (ROA)	0.78%	1.10%	1.25%	2.77%	1.05%	-	Upgrade
Return on Capital (ROIC)	7.40%	8.98%	9.67%	22.65%	9.66%	-	Upgrade
Earnings Yield	5.05%	7.32%	7.87%	-	-	-	Upgrade
Earnings Yield	5.05%	7.32%	7.87%	-	-	-	Upgrade
FCF Yield	4.43%	3.10%	13.45%	-	-	-	Upgrade
Dividend Yield	5.66%	8.29%	9.85%	-	-	-	Upgrade
Payout Ratio	224.19%	100.42%	93.34%	27.64%	101.89%	-	Upgrade
Buyback Yield / Dilution	2.69%	-0.05%	-	-	-	-	Upgrade
Total Shareholder Return	8.35%	8.24%	9.85%	-	-	-	Upgrade

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.